The American ExpressCredit Card

Get The Bigger Things in Life for Less

The American Express Credit CardAdd to saved cards

Rewards Program:
Membership Rewards
Credit Line:
Up to 3 or 5 times of monthly average income (as the case may be) depending on your monthly average income
Annual Fee:
Basic: 1,926 Baht (VAT Included) First year fee waiver
Supplementary: 1st 2 Supplementary Cards are free. Subsequent Supplementary Cards at 1,284 Baht (VAT Included)
Interest Rate:
Interest Rate :7.99% per annum for Purchases of Goods and Services, 13% per annum for Cash Advance
Credit Usage Fee : 5% per annum

An on going low rate of 12.99% 1

Enjoy an on going low rate of 12.99% per annum for purchases of goods and services when you choose to pay the specified minimum amount each month.

Next year annual fee waiver 2

The next year annual fee for the Basic and your 3rd Supplementary Cards onwards will be waived if you spend THB 150,000 ("Base Spend") or more per membership year on your American Express Credit Card. From 13th May 2017 onwards, any spend made under the Extended Payment Plan (the "EPP") will be included in the calculation of the Base Spend.


Terms and Conditions
Click here

Be Rewarded for Your Everyday Spending

Every Baht 25 spent earns you 1 Membership Rewards point. Enjoy the Points for Credit conversion rate of 1,000 Membership Rewards points for Baht 250 in credit, that is an equivalent of 1% cashback on all your spending, available between 1 Dec 2016 and 31 Dec 2017, which is exclusive to the American Express Credit Card. There is no limit to the amount of credit to your Card account you can redeem – the more you spend, the more credit you get to receive.

Not only that, you can enjoy the myriad of Membership Rewards redemption options encompassing travel, fashion, retail goods, home appliances, dining vouchers and many more.

You automatically enjoy Membership Rewards Basic option under Membership Rewards program right away and there is no expiry date for Membership Rewards points. Terms and Conditions apply, please click here for full details

Get The Bigger Things in Life for Less

You can take advantage of an on going low rate of 12.99% per annum for purchases of goods and services when you choose to pay the specified minimum amount each month. With the lower rate, you can enjoy the bigger things in life, save on your interest payment, and pay off your balances faster.

You can access cash up to 100% of your credit line or maximum of US$1,000 over a 28 days period at over 520,000 ATM locations around the world that display the ATM Pool or Express Cash sign. A service fee equivalent to 3% of the withdrawn amount (subject to VAT) will be charged.

Terms and Conditions apply, please click here for full details

More Protection1

Return Guarantee gives you peace of mind in case you are dissatisfied with an an item purchased on the Credit Card in Thailand and would like to return it. The minimum price must be Baht 1,000, the item has to be purchased solely for personal use and entirely with your American Express Credit Card.

If, within 7 days of purchase, you are dissatisfied with the covered item and the retailer refuses to take it back, you can return it to the Insurance Company, who will indemnify you with the Purchase Price, up to a maximum of Baht 10,000 per item, and subject to a maximum of Baht 32,000 per calendar year.

Best Value Guarantee provides coverage for items purchased entirely with an American Express Credit Card if, within 15 days of the purchase date, an identical item is advertised in print with an offer date stated to be available at a lower price than the American Express Credit Cardmember paid.

The Insurance Company will indemnify the American Express Credit Cardmember for the difference in price of not less than Baht 500 per item and up to the maximum of Baht 10,000 per item, and subject to a maximum of Baht 32,000 for each American Express Card Account held by the American Express Credit Cardmember per calendar year.

Purchase Protection Plan provides for the repair, replacement of covered product or, at the discretion of the Insurance Company, the indemnification of the covered product which has been damaged within 30 days of purchase. The item must be purchased solely for personal use or as a gift and with the American Express Credit Card. Coverage is up to Baht 48,000 per item, and up to a maximum of Baht 240,000 per calendar year.



Note

(1) Please find more information about Insurance benefits in the insurance certificates enclosed in your welcome pack.

More Service

Customer Service team is available for all your enquiries. Please call 0 2273 5999.

The 24-hour all year round Express Access Service allows you to obtain account balance, check your recent payments and charges and enquire about Membership Rewards points easily, and is completely secure. Simply call 0 2273 5999.

Whatever the occasion - personal, social or business - send that thoughtful gift to show you care, without having to take the time off of your busy schedule. Simply place your order at Express Gift Service with the American Express Credit Card. Your gift will be tastefully packaged and delivered, usually within the next day. Simply call 0 2273 5999.

Simplify your life today by getting your monthly bills charged directly to your American Express Credit Card. Simply enroll in Autopay Service.

Importance Information

1 The 12.99% rate per annum for goods and services purchases is based on a credit usage fee of 5% per annum and interest rate of 7.99% per annum and will be applied toward eligible outstanding balances for Statement Periods starting on or after 3rd December 2016. Eligible outstanding balances are balances arising from goods and services transactions and excludes cash advances/Express Cash. The annual rate applicable to cash advances/Express Cash remains at 20% per annum (interest rate and credit usage fee). The 12.99% rate per annum for goods and services purchases is not a promotional rate and does not have a predetermined expiry date. This does not guarantee that the rate will not change in the future. American Express reserves the right to periodically review interest rates and credit usage fee in accordance with the American Express Credit Card Terms and Conditions and applicable law. American Express also reserves the right to offer a credit card with a lower interest rate and credit usage fee at some point in the future.

2 The Base Spend will be calculated based on all charges made on both the Basic and Supplementary Cards at the time of Card renewal for the Basic and Supplementary Cards. For the first year, the spending will be calculated by totaling the charges on the past 11 statements, excluding the charge on the current statement. For subsequent years, the Base Spend will be calculated by totaling the charges made over the full 12 statements cycle period. The entire principal amount under the EPP will be used in calculating the Base Spend. For the avoidance of doubt, any outstanding installments from purchases made under the EPP prior to 13th May 2017 will not be included in the calculation of the Base Spend, even if such amounts remain outstanding after 13th May 2017.