American ExpressAmerican ExpressAmerican ExpressAmerican ExpressAmerican Express

Shopping Protection

You can spend on your Platinum Card with total peace of mind. We'll protect you against fraud, faulty goods and even if you change your mind, we'll guarantee it.

Your Purchases Protected With No Worries Guarantee



Enjoy more peace of mind when you make a purchase. Our 45 Days Cover insures you against accidental damage or theft for any eligible item purchased with your Platinum Card for up to 45 days from the date of purchase. This cover is subject to a maximum of HK$30,000 per item and HK$400,000 per Card account per year, with a deductable of HK$150 per item.



With Return Guarantee, you can "buy now and decide later". Should you change your mind about something that you bought in Hong Kong, you can return your eligible item directly to American Express. Just bring it back to us within 30 days of purchase and we will give you a refund, up to a maximum of HK$5,000 per item and HK$15,000 per card account per year with a deductible of HK$150 per item.



If within 14 days of buying something at full retail price, you see an identical item for purchase at a lower price at an alternative retail outlet in Hong Kong, we'll refund the difference, subject to a minimum difference of HK$150 and a maximum refund of HK$2,500 per item and HK$15,000 per Card account per year.



Designed to protect you in the event that your purchases made in Hong Kong retail outlets breaks down, Extended Warranty automatically provides one extra year of warranty when the manufacturer's warranty of one to three years expires. The maximum coverage is HK$40,000 per item, and HK150,000 per Card account per year.


The plan is underwritten by Chubb Insurance Hong Kong Limited, American Express International, Inc. do not act as an agent or fiduciary for you, and American Express International, Inc. may act on behalf of the insurance provider, as permitted by law.


Return Guarantee, Extended Warranty, Price Protection and 45 Days Cover are underwriten by Chubb Insurance Hong Kong Limited. Terms and Conditions apply. Please call The Platinum Card Service on 2277 2233 for enquiries, claims or a copy of the full Terms and Conditions. Holder of both Credit Card and Charge Card will be counted as holders of one account only.