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.




Our Credit Cards





Key Benefits



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.


American Express Credit Card

How to pick the right Credit Card



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.





Types of American Express Cards

American Express offers a range of Credit Cards and Charge Cards with different rewards and benefits tailored to your lifestyle and interests.


Our Credit Cards

Enjoy up to 600,000 Membership Rewards points
  • 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



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




Key benefits at a glance 


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.


How to apply for a Credit Card


To apply for a Credit Card, follow the below instructions:


  1. Submit an application online by filling out the form.

  2. 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. 

  3. 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.

  4. Submit your documents via one of the following 3 methods, quoting your reference number: 
    • Upload them electronically via our Secured Document Upload Site 
      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 
  5. 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. 

  6. 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.