American Express® Credit Cards
With an exciting range of different rewards and offerings to suit you, discover all you need to know about our range of Credit Cards and how they work.
What is a Credit Card?
A Credit Card lets you pay for your purchases without cash. Credit Cards offer a line of credit that allows you to make purchases and pay back the amount later. If you pay less than the full balance, you will be charged interest on the amount owed.
Why choose an American Express Credit Card?
American Express Credit Cards offer you a variety of rewards and offerings. You could either earn American Express Membership Rewards®1 points, Air Miles or Cashback by spending with our Credit Cards.
The rewards and offerings don't stop there. Our Credit Cards offer you a range of privileges including movie2, dining3 and protection like Online Fraud Protection, Return Guarantee, 45 Days Cover, Extended Warranty, Price Protection, 24/7 customer support, as well as Global Assist.
Be Card Smart
Knowing your spending limit is the first step to making sure your balance stays under control. Discover other ways to manage your Credit Card spend and how to be Card Smart below.
Check the Credit Card fees
The charges you pay partly depend on the type of card you have and how you use it. Some of our Cards have no first year annual fee. You can view our cards below.
Check the Credit Card interest rates
Learn about APR (Annual Percentage Rate) and when interest gets calculated. Knowing this can help you choose the right Card.
Rewards Cards
A Rewards Card means you could:
- Earn Membership Rewards points with purchases on your Card
- Redeem your points to offset eligible transactions on your statement or during online shopping, and for various lifestyle rewards and gift
- Transfer your points into 10 air miles partners and 2 hotel groups
Our Rewards Cards
- 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
Enjoy a welcome offer of up to HK$2,960
- Gourmet Club membership with up to 50% savings on the à la carte dinner menu
- Buy-1-Get-1-Free offer on Fridays. 20% savings on 3D, 2D, IMAX and 10% savings on 4DX regular priced movie tickets on other days at Broadway Circuit
Terms and Conditions apply
First-year annual fee waiver of HK$1,800
- 5 Membership Rewards points# for every eligible HK$1 spent on selected everyday spend merchants, online travel and airlines
- Complimentary Plaza Premium Lounge Access
# Eligible Cardmember must successfully enroll with the Eligible Card. Click here for more details.
Terms and Conditions apply
First year annual fee waiver of HK$980
- 1.2% Cashback on everyday purchases, in town and overseas
- 20% savings on 3D, 2D, IMAX and 10% savings on 4DX regular priced movie tickets at Broadway Circuit
Terms and Conditions apply
Enjoy HK$500 I.T Gift Certificate and 2 complimentary movie tickets
- 1.2% Cashback on everyday purchases, in town and overseas
- Up to 15% year-round savings at selected I.T Stores
Terms and Conditions apply
Enjoy welcome offer of HK$200 Statement Credit
- 2.5 Membership Rewards points for every
HK$ 1 spent on eligible local transactions
- 3 Membership Rewards points for every HK$1 equivalent spent in eligible foreign currencies spend
Terms and Conditions apply
- 10% savings on 4DX, 3D, 2D and IMAX regular priced movie tickets at Broadway Circuit
- Second-year annual card fee waiver by spending HK$24,000 or more a year
Terms and Conditions apply
- 10% savings on 4DX, 3D, 2D and IMAX regular priced movie tickets at Broadway Circuit
Terms and Conditions apply
American Express Credit Cards offer you:
- No Worries Guarantee4, including Return Guarantee, 45 Days Cover, Extended Warranty and Price Protection
- Online Fraud Protection Gurantee5
- Global protection include complimentary Travel Accident Insurance6 and Travel Inconvenience Insurance6
- 24/7 Customer Service
Just like our Charge Cards and Platinum Cards, whenever you need us, wherever you are, our team of Customer Care Professionals are available 24/7 by phone. No matter where you are in the world, our Global Assist Hotline will provide the help you need around-the-clock.
With our comprehensive Online Fraud Protection Guarantee and No Worries Guarantee, you can spend on your American Express Credit Card with total peace of mind. We’ll protect you against fraud, faulty goods and even if you change your mind, we guarantee you worries free.
For example, American Express Credit Cards offer Return Guarantee on eligible items bought in Hong Kong. Just bring them back to us within 30 days of purchase and we will give you a refund on your Card. Then there's our valuable 45 Days Cover, designed to give American Express Cardmembers peace of mind, it insures you against accidental damage or theft for up to 45 days after the date of purchase.
Wherever your travels take you, you can take your American Express Credit Card. Your spend abroad is converted to Hong Kong dollars as soon as we process the transaction, based on our reference exchange rate which is set daily. If your transaction is in US dollars, the amount will be converted directly to Hong Kong dollars. If it's in another currency, it's converted to US dollars and then to Hong Kong dollars. Of course, your monthly bill is paid in Hong Kong dollars.
We put you firmly in control when it comes to managing your Account. Register online and you can view and manage your account anytime of the day or night, virtually anywhere in the world - either online or on your mobile. View your current balance, get paperless statements, pay your bills easily, and redeem your Membership Rewards points.
Explore Our Charge Cards
American Express offers a range of Charge Cards which give you the financial flexibility of no pre-set spending limit, and no interest charges.
- Submit an application online by filling out the form.
- You will receive a notification with an assigned application reference number within 60 secs advising you whether or not your application has been conditionally approved. If you do not receive the 60 secs conditional approval, you will be notified of the outcome via email within 5 - 10 business days.
- Once you receive the conditional approval, you will receive an email notification stating your application reference number and all the required documents for the approval process.
- Submit your documents via one of the following 3 methods, quoting your reference number:
- Upload them electronically via our Secured Document Upload Site
https://online.americanexpress.com/docupload/hk
Document upload is only applicable to applicants who have received their 60 secs conditional approval and reference number. The link will be provided in the email notification mentioned in Step 3.
Note: Size of all files (JPG, PNG, GIF, TIFF or PDF) must not exceed 5MB each. - Fax them to us at +852 2811 7346
- Mail them to us at:
New Accounts Department
American Express International, Inc. 18/F, 12 Taikoo Wan Road, Taikoo Shing, Hong Kong
Download the return envelope
- Upload them electronically via our Secured Document Upload Site
- Once all documents have been submitted, we will proceed with the final phase of application*. You will receive an SMS upon Card approval.
*American Express International, Inc. may refuse or decline the application at its discretion without disclosing any reasons. Failure to provide documents requested may prevent processing of the application.
- The approved credit card will be sent to your mailing address provided in the online application within 5 - 7 working days of receiving all the required documents.
- Membership Rewards points accrual is subject to the American Express Membership Rewards® Program Terms and Conditions. Please click here for more details.
- Terms and Conditions apply on movie privileges. Please click here for more details.
- Terms and Conditions apply on dining. Please click here for more details.
- The above insurance benefits of No Worries Guarantee for American Express Cardmembers are underwritten by Chubb Insurance Hong Kong Limited. Terms and Conditions apply.
- For details on Online Fraud Protection Guarantee, please click here.
- The above insurance benefits for American Express Cardmembers are underwritten by Chubb Insurance Hong Kong Limited. Terms and Conditions apply.