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American Express®

Charge Cards


American Express Charge Cards offer no pre-set spending limits and no interest charge as the balance is paid in full each month.

Why choose an American Express Card?


Charge Cards differ to Credit Cards as they give you the financial flexibility of no pre-set spending limit, and no interest charges since you must pay the balance in full at the end of each month. Your spending limit, however, depends on your Card usage, and is based on factors including your current spending patterns, payment history, credit record, and financial resources.


It's also rewarding because the American Express Charge Card enables you to maximize your Membership Rewards® points1 earning potential. American Express® Gold Card members are automatically enrolled in our American Express Membership Rewards® Program1, where you earn at one reward point for virtually every dollar you spend, whereas The Platinum Card® members are automatically enrolled in our American Express Membership Rewards® Turbo Program1, where you earn at two reward points for virtually every dollar you spend. Points earned from Turbo Program can be transferred to air miles, redeem at hotel loyalty programs, cash vouchers and merchandizes. They're your rewards, your way. The Platinum Card also offers a range of exclusive benefits. From concierge and travel services, and worldwide travel insurance, to access to airport VIP lounges.


American Express Corporate and Business Charge Cards can be useful tools for a business looking to supplement cash flow and pay for business purchases. The Gold Business Card helps small businesses buy what they need, with enhanced membership rewards points. The Corporate Card program provides the insights and solutions needed to help control expenses, drive savings and grow your business.

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Our Charge Cards

Enjoy 600,000 Membership Rewards Points 
plus limited-time top up offer of extra
HK$1,000 statement credits
  • 3 Membership Reward point for every HK$1 you spend with The Platinum Card for all foreign currency spend
  • Complimentary access to The Centurion Lounge at Hong Kong International Airport


Terms and Conditions apply

  • Complimentary access to The Centurion Lounge at Hong Kong International Airport
  • Up to 15% savings in all restaurants and The Peninsula Boutique at The Peninsula Hong Kong, selected restaurants at The Repulse Bay and The Peninsula Hotels worldwide



Terms and Conditions apply

  • 10% savings on 3D, 2D and IMAX regular priced movie tickets at Broadway Circuit in Hong Kong
  • Free enrolment in the Membership Rewards Basic program where every HK$1 you spend gets you 1 point


Terms and Conditions apply

Key benefits at a glance



American Express Charge Cards offer you:


  • The ability to earn points on virtually all your spend
  • Online Fraud Protection Guarantee3
  • 24/7 customer service, which may include our concierge and travel services


The range of protection and benefits varies from Card to Card so compare them to see which suits you best. Simply browse the list of Cards in the menu to the left, or use the 'Compare these Cards' button to review all our Charge Cards at the same time. 

American Express Benefits


Discover the limits of your potential with our privileged entertainment, dining, travel and shopping offers, plus the attentive world-class service that American Express is famous for.


Explore Our Credit Cards

American Express offers a range of Credit Cards with variety of rewards and offerings. You could either earn American Express Membership Rewards®1, Asia Miles™ or Cashback by spending with our Credit Cards.