American Express Membership Rewards

Use Pay with Points to offset your Card spending

With Pay with Points by American Express, you can use your Membership Rewards points to offset nearly all purchases you make with your American Express® Card.

Pay with Points lets you offset nearly all purchases you make - including dining, everyday spending, travel, entertainment and more. You'll enjoy complete flexibility on how much you offset the transactions on your Card bill with your points.

Pay with Points Redemption Rate
Every 300 points = HK$1

  1. Spend with your Card when you shop, dine, travel or entertain. As always, you’ll earn points on your spending.
  2. Sign in to your online account at www.american
    and click the Pay with Points link.
    (If you don't have an account, it's easy to sign up online.)
  3. Select the transactions you'd like to offset*+ as well as how many points you'd like to redeem.
  4. Shrink your bill with Pay with Points. Use as many points as you like#!

See how easy it is to use Pay with Points today

Redeem now

* You must redeem a minimum of 15,000 points at one time against a single qualifying Eligible Transaction.
+ The Pay with Points credit will appear on your Card Account statement within three (3) working days from the date of redemption.
On your Card Account statement the credit will appear as "Pay with Points Rewards Credit".
# Please settle your remaining balance. In the case of a credit card, a credit to your Card Account as a result of using Pay with Points rewards does not constitute a payment to your Card Account and does not satisfy the requirement to pay the minimum payment due. You must still make a separate payment of at least the minimum payment due in accordance with the Cardmember Agreement and billing statement.
  Terms and conditions apply.