¹ American Express Explorer Credit Card Referral Program Terms and Conditions apply.

² Conversion rate accurate as of April 2025 and on the basis of 1 mile can be redeemed by 18 Membership Rewards points. Based on the calculation of 15,000 Asia Miles can redeem a set of round-trip economy class air tickets to Taipei; 20,000 Asia Miles can redeem a set of round-trip economy class air tickets to Seoul. Redemption rate is based on Asia Miles Standard Award as of April 2025. Miles required may vary and redemptions are subject to availability.

³ Each referrer can receive a maximum of 7,200,000 Membership Rewards points of basic referral bonus within the promotion period, meaning each referrer can make up to 100 successful American Express Explorer Credit Card referrals within the promotion period via this online Member-Get-Member program.

⁴ Conversion rate accurate as of April 2025 and on the basis of 1 mile can be redeemed by 18 Membership Rewards points. Welcome Offers Terms and Conditions apply.

⁵ For details of American Express Explorer Credit Card Referral Program Lucky Draw, please refer to the American Express Explorer Credit Card Referral Program Lucky Draw Terms and Conditions. (Trade Promotion Competition Licence No.: 59553-5)

⁶ Upon successful enrollment in and fulfillment of the below Foreign Currencies and Travel Spend Offer, Cardmembers may earn up to 10.75 American Express Membership Rewards points for every HK$1 equivalent spent on eligible foreign currencies transactions, and for every HK$1 spent at Airlines or Selected Online Travel Agencies in Hong Kong dollars.

- "3X on Local and Foreign Currencies Spend" : Eligible Cardmembers will accrue 3 American Express Membership Rewards points for (i) every eligible HK$1 equivalent billed to the Eligible Card in foreign currencies; (ii) every eligible HK$1 equivalent spent in Airlines and Selected Online Travel Agencies billed to the Eligible Card in Hong Kong dollars. Enrollment is not required.

- "0.75X Additional Bonusing (Offer 1)" : During the Foreign Currencies and Travel Spend Offer Promotion Period (as defined below) and after successfully completing the enrollment to Offer 1, the Enrolled Cardmembers (as defined below) will start earning an additional 0.75 American Express Membership Rewards points for (i) every HK$1 equivalent spent in foreign currencies from Eligible Transactions (as defined below); and (ii) every eligible HK$1 spent on eligible airfare transactions for scheduled flights made directly with a passenger airline merchant ("Airline Bonusing") or at Selected Online Travel Agencies ("Selected Online Travel Agencies Bonusing") in Hong Kong dollars.

- "7X Additional Bonusing (Offer 2)": During the Foreign Currencies and Travel Spend Offer Promotion Period (as defined below) and after successfully completing the enrollment to Offer 2, the Enrolled Cardmembers (as defined below) will start earning an additional 7 American Express Membership Rewards points for (i) every HK$1 equivalent spent in the first HK$10,000 (or equivalent) in foreign currencies from Eligible Transactions (as defined below); and (ii) Every eligible HK$1 spent in the first HK$10,000 on eligible airfare transactions for scheduled flights made directly with a passenger airline merchant ("Airline Bonusing") or at Selected Online Travel Agencies ("Selected Online Travel Agencies Bonusing") in Hong Kong dollars billed to the Eligible Card during each calendar quarter (i.e. January 1– March 31 or April 1– Jun 30, 2025).

Above Offer 1 and Offer 2 are collectively "Foreign Currencies and Travel Spend Offer", which are valid from January 1, 2025 to June 30, 2025, both dates inclusive ("Foreign Currencies and Travel Spend Offer Promotion Period").This program is applicable to Cardmembers of American Express Explorer Credit Card issued by American Express International, Inc. ("American Express") in Hong Kong ("Eligible Card" such holder, "Eligible Cardmember").

Eligible Cardmembers must successfully enroll in the Foreign Currencies and Travel Spend Offer with the Eligible Card during the Foreign Currencies and Travel Spend Offer Promotion Period ("Enrolled Cardmembers"), then spend in foreign currencies, airlines under Airline Bonusing or Selected Online Travel Agencies with the Eligible Card to enjoy the Foreign Currencies and Travel Spend Offer ("Eligible Transaction"), which shall be subject to any exclusions outlined in the American Express Membership Rewards Terms and Conditions or herein. For the avoidance of doubt, any spending/transaction that occurs prior to the successful enrollment is not counted as qualified/eligible transactions under the Foreign Currencies and Travel Spend Offer.  

Foreign currency means any currency other than Hong Kong dollars. If a transaction is converted into Hong Kong dollars prior to being submitted to American Express International, Inc., foreign currency spend earn rate will not be applied on that spend. Payments for online transactions made in Hong Kong Dollars will also not be considered foreign currency spend. Foreign currency spend excludes charges and other fees. A Currency Conversion Fee applies when payment is charged in a currency other than Hong Kong dollars. For more information regarding charges made in foreign currencies, please refer to the relevant Cardmember Agreement.

For Airline Bonusing and Selected Online Travel Agencies Bonusing, exclusion and Terms & Conditions apply. Please refer to Membership Rewards Program Terms and Conditions for details.

⁷ Basic and Supplementary Cardmember(s) can enjoy a total of 8 times complimentary lounge access or a complimentary meal set entitlement at designated airport dining outlets every calendar year. Please visit americanexpress.com/plazanetwork for more details.

⁸ Complimentary Travel Insurance and No Worries Guarantee Program (collectively "Plans") are underwritten by Chubb Insurance Hong Kong Limited ("Chubb"), Chubb is authorized and regulated by the Insurance Authority of the Hong Kong SAR and is solely responsible for all coverage and compensation under the Plans.  American Express International, Inc. ("we/ us") does not act as an agent or fiduciary for you, and we may act on behalf of the insurance provider, as permitted by law. The Plans are subject to relevant Travel Insurance Terms and Conditions and No Worries Guarantee Program Terms and Conditions.

⁹ Blackout dates and exclusions apply. Offer is limited and on a first-come, first-served basis. Terms and Conditions apply. Please visit here for more details.