American Express (AMEX) and Visa are two major players in the credit card industry and both offer their Platinum cards. AMEX Platinum card benefits are highly regarded, including travel rewards and exclusive services, which make it a favorite among discerning cardholders. However, if you are looking for similar perks without the AMEX Platinum's annual fee, you may want to consider Visa Platinum cards, which provide a more accessible alternative. With various Visa Platinum cards available, featuring services like Visa Platinum Concierge and premium benefits, they offer a compelling option with lower annual fees compared to AMEX. Each network has its unique strengths and offerings, making it challenging to determine a clear winner. MoneyHero can assist you in choosing a platinum credit card that suits your financial needs and preferences by exploring key factors such as card acceptance, issuance, annual fees, benefits, and perks of AMEX and Visa.
What is the difference between American Express and Visa?
To answer this question, it is essential to understand that credit card networks and credit card issuers are two distinct concepts. Credit card networks provide the infrastructure that enables transactions to be processed between merchants and cardholders. They set the rules and standards for card acceptance, and manage the global network of merchants and financial institutions. Meanwhile, credit card issuers, typically banks or financial institutions, are responsible for issuing credit cards to consumers. They establish the terms and conditions of credit card accounts, including credit limits, interest rates, fees, benefits, and rewards programs. Returning to the question of the difference between American Express and Visa: American Express functions as both a credit card network and a credit card issuer, whereas Visa operates solely as a credit card network.
Although AMEX and Visa are both credit card networks, they differ in their approach and offerings. AMEX, known for its premium cards and extensive benefits, often targets affluent consumers and emphasizes travel and lifestyle perks. Visa, as one of the largest payment networks globally, offers a diverse range of credit cards targeting different consumer segments, from basic to premium offerings. In addition, there are also noticeable differences in their way of card issuance and scope of card acceptance, which we will go into detail in the subsequent sections..
American Express vs Visa: Card Issuance
American Express and Visa operate under different models when it comes to card issuance. As mentioned above, AMEX functions as both a credit card network and a credit card issuer. This structure, also known as a “closed network”, allows AMEX to directly issue credit cards to consumers, offering a range of card options with various features and benefits. All AMEX cards available in Hong Kong are directly issued by American Express, but in some regions around the world, there are authorized institutions permitted to issue credit cards under the American Express brand. By controlling the entire card issuance process, American Express maintains full control over the terms and conditions of its credit card accounts, thereby providing a seamless and consistent experience for cardholders, from usage application.
On the other hand, Visa does not directly issue credit cards to consumers. Instead, it partners with banks and financial institutions around the world, allowing them to issue credit cards under the Visa brand. These partner banks are responsible for issuing credit cards to consumers and managing the terms and conditions of credit card accounts. By partnering with a diverse range of banks, Visa offers consumers a wide array of credit card options tailored to different needs and preferences.
American Express vs Visa: Card Acceptance
Visa cards have long enjoyed broader acceptance compared to American Express cards, although the discrepancy has been diminishing over the last decade, especially in the United States. In certain regions in Asia, however, Visa cards maintain greater acceptance among merchants compared to American Express cards. Taking Hong Kong as an example, although AMEX cards are often accepted at high-end retailers, restaurants, and hotels, Visa cards are notably more widely accepted across all kinds of shops, including both large retail chains and small businesses throughout Hong Kong. The market dominance and more extensive network of merchant partners position Visa as a preferred choice for many consumers seeking a versatile and widely accepted payment solution in the market of Hong Kong and some other Asian regions.
What is American Express Platinum?
In Hong Kong, there are two AMEX cards with “Platinum” in their names: The Platinum Card® and American Express® Platinum Credit Card. These cards, despite sharing similar names, offer distinct features and benefits designed for consumers with varying preferences and needs. The Platinum Card is renowned for its premium travel perks, including airport lounge access and travel benefits. The American Express Platinum Credit Card offers a range of lifestyle benefits, such as dining privileges, shopping discounts, and entertainment offers, which appeal to individuals who prioritize everyday spending rewards and lifestyle perks.
American Express Platinum Card: Perks and Benefits
Distinguished by its premium benefits, the Platinum Card offers a suite of perks tailored to frequent travelers and luxury enthusiasts. Complementing travel experiences, the card provides unlimited access to over 1,400 lounges worldwide, spanning the Centurion Lounge, Plaza Premium Lounges, and Priority Pass lounges, among others. Additionally, the Platinum Card offers annual cashback of HK$2,000 and HK$2,200 for dining and travel spending, respectively. With the Platinum Card, booking with Fine Hotels + Resorts through American Express Travel Online allows cardholders to enjoy extra benefits such as complimentary daily breakfast, guaranteed late check-out, and room upgrades at participating hotels and resorts worldwide. The card also comes with complimentary memberships to the world’s leading hotels’ loyalty programs, such as Hilton Honors (Gold Status) and Marriott Bonvoy (Gold Elite Status). There are also additional services such as home assistance and roadside assistance, which may come in handy in unforeseen circumstances. While the points earning rates are slightly lower compared to the American Express Platinum Credit Card, at 3 points for every HK$1 spent on overseas/foreign currency transactions and 2 points for every HK$1 spent locally, the card offers a generous welcome bonus of up to 1,000,000 Membership Rewards Points (equivalent to 55,555 miles).Although the American Express Platinum Credit Card may not offer as many luxury perks as its counterpart, it could be a more suitable choice for individuals who don't travel frequently but prefer benefits for everyday spending and a better overall earning rate. With an earn rate of up to 3 Membership Rewards points for every HK$1 spent, along with double points earned at selected local supermarkets, gas stations, convenience stores, and more, cardholders can accumulate points efficiently. Similar to the Platinum Card, this card also offers discounted movie tickets at Broadway Circuit in Hong Kong, shopping protection, complimentary travel insurance, and dining privileges with special savings at designated restaurants. Additionally, the AMEX Platinum Credit Card provides welcome offers of up to HK$2,960, including complimentary movie tickets and cash vouchers.
American Express Annual Fee
The annual fees for the Platinum Card and the American Express Platinum Credit Card are HK$9,500 and HK$2,200, respectively.
Welcome Gift
The Platinum Card®
.png?auto=webp&width=325)
Number of Free Lounge Access
Unlimited
Local Spending - Air Miles Conversion
$
7.5
/mile
on local spending
Annual fee
$
9,500
See more
See less
See more
See less
Rewards
[American Express The Platinum Card Welcome Offer] New Customers submit the application of Basic Card and fulfilled designated requirements are entitled to receive up to HK$10,866 Reward (Include 1,000,000 Membership Rewards Points [Can redeem HK$2,000 Statement Credit or HK$4,000 travel credit on Amex Travel Online] + HK$2,200 Travel Statement Credit + HK$2,000 Dining Credit
| Requirements | Welcome Offers |
| Online Bonus Successful online applications | 100,000 Membership Rewards Points |
| Welcome Bonus Successful application with spending HK$15,000 in the first 3 months of Basic Card membership | Up to 500,000 Membership Rewards Points |
| [NEW] American Express Travel Online Benefit Enroll with your Basic Platinum Card and make pre-paid bookings on a wide selection of American Express hotel & car rental partners via American Express Travel Online platform | Up to HK$2,200 Travel Statement Credit |
| Registered Card Rewards | Up to HK$2,000 Dining Credit (HK$1,000 Local Dining Credit & HK$1,000 Abroad Dining Credit) |
| Up to HK$8,200 Reward (Include 600,000 Membership Rewards Points [Can redeem HK$2,000 Statement Credit or HK$4,000 travel credit on Amex Travel Online] + HK$2,200 Travel Statement Credit + HK$2,000 Dining Credit |
Earn Rewards points when you spend with the Card
- Membership Rewards Turbo Program - First HK$160,000 local spending for each program year - HK$1 spending = 2 Membership Rewards points
- Take American Express Pay with Points Redemption Rate 300 Membership Rewards points = HK$1 as an example. The cashback rate is 0.67%.
- Booking through American Express Travel Online, you can enjoy a preferential redemption rate of 150 Membership Reward points Points = HK$1 Redemption Points
- Membership Rewards Turbo Program - Local spending from HK$160,001 and onwards for each program year - HK$1 spending = 1 Membership Rewards points
- Take American Express Pay with Points Redemption Rate 300 Membership Rewards points = HK$1 as an example. The cashback rate is 0.33%.
- Booking through American Express Travel Online, you can enjoy a preferential redemption rate of 150 Membership Reward points Points = HK$1 Redemption Points
- Foreign Currency Spending - HK$1 spending = 3 Membership Rewards points
- Take American Express Pay with Points Redemption Rate 300 Membership Rewards points = HK$1 as an example. The cashback rate is 1%.
- Booking through American Express Travel Online, you can enjoy a preferential redemption rate of 150 Membership Reward points Points = HK$1 Redemption Points
Shopping Protection
Spend with the Card to enjoy the following protection:
Spend with the Card to enjoy the following protection:
- Online Fraud Protection Guarantee
Shop online with the Card and you won't be held responsible for any fraudulent charge. - Return Guarantee
Refund if you are unhappy with the purchase made with the Card. - Extended Warranty
When purchase with the Card, the warranty will be extended by up to 1 year once the original manufacturer's warranty expires. The maximum coverage is HK$40,000 per item, and HK$150,000 per Card account per year. - Price Protection
Refund the difference when you see an identical item offered at a cheaper price in Hong Kong within 14 days of your purchase - 45 Days Cover
Almost anything you buy with your Card is insured against theft or accidental damage for up to 45 days after the date of purchase. - Terms and Conditions apply.
Travel Offer
- [New] American Express Travel Online Benefit
Enroll with your Basic Platinum Card and make pre-paid bookings on a wide selection of American Express hotel & car rental partners via American Express Travel Online platform to enjoy up to HK$2,200 Statement Credit- For details, please refer to https://www.americanexpress.com/en-hk/benefits/offers/travel/ato-credit/index.html
- Complimentary Access to The Centurion Lounges
Enjoy over 1,400 lounges access over the world, and complimentary access to The Centurion Lounges at Hong Kong International Airport, George Bush InterContinental, Las Vegas McCarran, Dallas/Fort Worth, San Francisco International, Miami International, Seattle-Tacoma and New York’s LaGuardia Airport. - Fine Hotels & Resorts
Complimentary benefits with an average total value of HK$4,680 with Fine Hotels & Resorts through Platinum Travel Service. With over 1,300 world-class properties to explore: complimentary room upgrade upon arrival, complimentary daily breakfast for two people, and Guaranteed 4 pm late checkout etc. when available - Elite partner programs
Complimentary Membership to the world’s leading hotel and car rental companies’ loyalty programs, including Hilton Honors – Gold status, Radisson Rewards™ - Premium status, and Marriott Bonvoy™ - Gold Elite Status - The Hotel Collection
Get a US$100 hotel credit and a room upgrade if available when you stay at least 2 nights – choose among more than 600 hotels worldwide, like Hyatt and Hilton Hotels. - Comprehensive Travel Insurance
Travel Accidents coverage of up to HK$$4,000,000, Medical Assistance and expense up to HK$$1,000,000, Canceling and cutting short your trip, Lost, stolen and damaged baggage, and Delayed flights and missed departures.
Dining Offer
Basic and Supplementary Cardmember can enjoy
- [New] Global Dining Credit
Benefit of up to HK$2,000 Dining Credit annually, including HK$1,000 Statement Credit for local dining at over 30 local restaurants and in 20 locations around the world and HK$1,000 Statement Credit for abroad dining at over 1,400 abroad restaurants and in 20 locations around the world; Benefit resets annually on January 1 until December 31, 2024- Promotion details please refer to https://www.americanexpress.com/en-hk/benefits/offers/dining/global-dining-credit/index.html.
- Enjoy special savings at designated restaurants of Maxim’s Chinese Cuisine, Western Restaurants and m.a.x. concepts on the à la carte dinner menus.
- Enjoy up to 50% savings on the à la carte dinner menus and 25% savings on the à la carte food menus for takeaway orders at designated restaurants of Cafe Deco Group.
- Designated restaurants of Cafe Deco Group includes: Beerliner, The Beer House, Cafe Deco Pizzeria, Pickled Pelican, Dim Sum Bar, Pivo Czech Bar.
- The list of designated restaurants is subject to change from time to time without prior notice. Please check with the restaurants for details.
Lifestyle Offer
- Buy-1-Get-1-Free tickets offer will be applicable to Friday shows, while 20% savings on regular priced movie tickets will be available on other days in Broadway Circuit.
- Enjoy 3% savings on selected regular-priced items at the stores of city'super, LOG-ON and cook
edDeli in Hong Kong.
The Platinum Card® Year-Round Offers Terms and Conditions apply.
Annual fee is HK$9,500 with the entitlement of 2 Supplementary Platinum Cards (annual fee cannot be waived)
Existing Basic Platinum Card Cardmember / American Express Peninsula Platinum Card Basic Card Cardmember and applicants who held the Basic Card of The Platinum Card® / American Express® Peninsula Platinum Card at any time within the past 12 months from the date of this application are not eligible for Welcome Offers.
The Platinum Card® welcome offer will be ONLY eligible to those who paid the annual fee and account stays active
Annual fee
HK$9,500
Foreign Currency Transaction Fee
2%
Minimum Age: 18 years old
Min. Annual Income: N/A
No
No
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edDeli in Hong Kong.
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Annual Income}, value=, description={shortDescription=N/A, longDescription=null, tooltip=null}}], featured=false, features={title=Features, pros=[<table style="height:266px; width:100%"> <tbody> <tr> <td style="height:30px; width:50.8644%">Requirements</td> <td style="height:30px; text-align:center; width:24.5912%">Welcome Offers</td> </tr> <tr> <td style="border-top:1px solid #ededed; height:30px; width:50.8644%"><strong>Online Bonus</strong><br /> Successful online applications</td> <td style="border-top:1px solid #ededed; height:30px; text-align:center; width:24.5912%">100,000 Membership Rewards Points</td> </tr> <tr> <td style="border-top:1px solid #ededed; height:30px; width:50.8644%"><strong>Welcome Bonus</strong><br /> Successful application with spending HK$15,000 in the first 3 months of Basic Card membership</td> <td style="border-top:1px solid #ededed; height:30px; text-align:center; width:24.5912%">Up to 500,000 Membership Rewards Points</td> </tr> <tr> <td style="border-top:1px solid #ededed; height:30px; width:50.8644%"><strong>[NEW] American Express Travel Online Benefit</strong><br /> Enroll with your Basic Platinum Card and make pre-paid bookings on a wide selection of American Express hotel & car rental partners via American Express Travel Online platform</td> <td style="border-top:1px solid #ededed; height:30px; text-align:center; width:24.5912%">Up to HK$2,200 Travel Statement Credit</td> </tr> <tr> <td style="border-top:1px solid #ededed; height:30px; width:50.8644%"><strong>Registered Card Rewards</strong></td> <td style="border-top:1px solid #ededed; height:30px; text-align:center; width:24.5912%">Up to HK$2,000 Dining Credit (HK$1,000 Local Dining Credit & HK$1,000 Abroad Dining Credit)</td> </tr> <tr> <td style="border-top:1px solid #ededed; height:50px; width:50.8644%"> </td> <td style="border-top:1px solid #ededed; height:50px; text-align:center; width:24.5912%"><strong>Up to HK$8,200 Reward</strong><br /> (Include 600,000 Membership Rewards Points [Can redeem HK$2,000 Statement Credit or HK$4,000 travel credit on Amex Travel Online] + HK$2,200 Travel Statement Credit + HK$2,000 Dining Credit</td> </tr> </tbody> </table>, <p><strong>Earn Rewards points when you spend with the Card</strong></p> <ul> <li><strong>Membership Rewards Turbo Program - First HK$160,000 local spending for each program year - HK$1 spending = 2 Membership Rewards points</strong> <ul> <li>Take American Express Pay with Points Redemption Rate 300 Membership Rewards<strong> </strong>points = HK$1 as an example. <strong>The cashback rate is 0.67%.</strong></li> <li>Booking through American Express Travel Online, you can enjoy a preferential redemption rate of 150 Membership Reward points Points = HK$1 Redemption Points</li> </ul> </li> <li><strong>Membership Rewards Turbo Program - Local spending from HK$160,001 and onwards for each program year - HK$1 spending = 1 Membership Rewards points</strong> <ul> <li>Take American Express Pay with Points Redemption Rate 300 Membership Rewards<strong> </strong>points = HK$1 as an example. <strong>The cashback rate is 0.33%.</strong></li> <li>Booking through American Express Travel Online, you can enjoy a preferential redemption rate of 150 Membership Reward points Points = HK$1 Redemption Points</li> </ul> </li> <li><strong>Foreign Currency Spending - HK$1 spending = 3 Membership Rewards points</strong> <ul> <li>Take American Express Pay with Points Redemption Rate 300 Membership Rewards<strong> </strong>points = HK$1 as an example. <strong>The cashback rate is 1%.</strong></li> <li>Booking through American Express Travel Online, you can enjoy a preferential redemption rate of 150 Membership Reward points Points = HK$1 Redemption Points</li> </ul> </li> </ul>, <strong>Shopping Protection</strong><br />Spend with the Card to enjoy the following protection: <ul> <li><strong>Online Fraud Protection Guarantee</strong><br />Shop online with the Card and you won't be held responsible for any fraudulent charge.</li> <li><strong>Return Guarantee</strong><br />Refund if you are unhappy with the purchase made with the Card.</li> <li><strong>Extended Warranty</strong><br />When purchase with the Card, the warranty will be extended by up to 1 year once the original manufacturer's warranty expires. The maximum coverage is HK$40,000 per item, and HK$150,000 per Card account per year.</li> <li><strong>Price Protection</strong><br />Refund the difference when you see an identical item offered at a cheaper price in Hong Kong within 14 days of your purchase</li> <li><strong>45 Days Cover</strong><br />Almost anything you buy with your Card is insured against theft or accidental damage for up to 45 days after the date of purchase.</li> <li>Terms and Conditions apply.</li> </ul>, <p><strong>Travel Offer</strong></p> <ul> <li><strong>[New] American Express Travel Online Benefit</strong><br />Enroll with your Basic Platinum Card and make pre-paid bookings on a wide selection of American Express hotel & car rental partners via American Express Travel Online platform to enjoy up to HK$2,200 Statement Credit <ul> <li>For details, please refer to https://www.americanexpress.com/en-hk/benefits/offers/travel/ato-credit/index.html</li> </ul> </li> <li><strong>Complimentary Access to The Centurion Lounges</strong><br />Enjoy over 1,400 lounges access over the world, and complimentary access to The Centurion Lounges at Hong Kong International Airport, George Bush InterContinental, Las Vegas McCarran, Dallas/Fort Worth, San Francisco International, Miami International, Seattle-Tacoma and New York’s LaGuardia Airport.</li> <li><strong>Fine Hotels & Resorts</strong><br />Complimentary benefits with an average total value of HK$4,680 with Fine Hotels & Resorts through Platinum Travel Service. With over 1,300 world-class properties to explore: complimentary room upgrade upon arrival, complimentary daily breakfast for two people, and Guaranteed 4 pm late checkout etc. when available</li> <li><strong>Elite partner programs</strong><br />Complimentary Membership to the world’s leading hotel and car rental companies’ loyalty programs, including Hilton Honors – Gold status, Radisson Rewards™ - Premium status, and Marriott Bonvoy™ - Gold Elite Status</li> <li><strong>The Hotel Collection</strong><br />Get a US$100 hotel credit and a room upgrade if available when you stay at least 2 nights – choose among more than 600 hotels worldwide, like Hyatt and Hilton Hotels.</li> <li><strong>Comprehensive Travel Insurance</strong><br />Travel Accidents coverage of up to HK$$4,000,000, Medical Assistance and expense up to HK$$1,000,000, Canceling and cutting short your trip, Lost, stolen and damaged baggage, and Delayed flights and missed departures.</li> </ul>, <p><strong>Dining Offer</strong><br />Basic and Supplementary Cardmember can enjoy</p> <ul> <li><strong>[New] Global Dining Credit</strong><br />Benefit of up to HK$2,000 Dining Credit annually, including HK$1,000 Statement Credit for local dining at over 30 local restaurants and in 20 locations around the world and HK$1,000 Statement Credit for abroad dining at over 1,400 abroad restaurants and in 20 locations around the world; Benefit resets annually on January 1 until December 31, 2024 <ul> <li>Promotion details please refer to https://www.americanexpress.com/en-hk/benefits/offers/dining/global-dining-credit/index.html.</ul> </li> </li> <li>Enjoy special savings at designated restaurants of Maxim’s Chinese Cuisine, Western Restaurants and m.a.x. concepts on the à la carte dinner menus.</li> <li>Enjoy up to 50% savings on the à la carte dinner menus and 25% savings on the à la carte food menus for takeaway orders at designated restaurants of Cafe Deco Group. <ul> <li>Designated restaurants of Cafe Deco Group includes: Beerliner, The Beer House, Cafe Deco Pizzeria, Pickled Pelican, Dim Sum Bar, Pivo Czech Bar.</li> <li>The list of designated restaurants is subject to change from time to time without prior notice. Please check with the restaurants for details.</li> </ul> </li> </ul>, <strong>Lifestyle Offer</strong> <ul> <li>Buy-1-Get-1-Free tickets offer will be applicable to Friday shows, while 20% savings on regular priced movie tickets will be available on other days in Broadway Circuit.</li> <li>Enjoy 3% savings on selected regular-priced items at the stores of city'super, LOG-ON and cook<wbr />edDeli in Hong Kong.</li> </ul>], cons=[<strong>The Platinum Card® Year-Round Offers <a href="https://www.americanexpress.com/content/dam/amex/hk/en/staticassets/pdf/membership-benefits/offers/charge-card/The-Platinum-TnC-EN.pdf" target="_blank" rel="noopener">Terms and Conditions</a> apply.</strong>, <strong>Annual fee is HK$9,500 with the entitlement of 2 Supplementary Platinum Cards (annual fee cannot be waived)</strong>, <strong>Existing Basic Platinum Card Cardmember / American Express Peninsula Platinum Card Basic Card Cardmember and applicants who held the Basic Card of The Platinum Card® / American Express® Peninsula Platinum Card at any time within the past 12 months from the date of this application are not eligible for Welcome Offers.</strong>, The Platinum Card® welcome offer will be ONLY eligible to those who paid the annual fee and account stays active]}, fees=[{type={key=ANNUAL_FEE, display=Annual fee}, value=null, description={shortDescription=HK$9,500, longDescription=null, tooltip=null}}, {type={key=FOREIGN_CURRENCY_TRANSACTION_FEE, display=Foreign Currency Transaction Fee}, value=null, description={shortDescription=2%, longDescription=null, tooltip=null}}], functional={metaData={alias=american-express-platinum-card}, rateTableEntries=null, fees=null, defaults=null}, id=blt2493c0c99147d71b_24_en-hk, image={url=https://images.contentstack.io/v3/assets/bltdf909986be592dae/blt790ef21c08ade343/64adeed9bd5d8a6c1572274b/chg_plat_metal_hk_1920x1216_(1).png, description=null, dimension=null}, imageOrientation=LANDSCAPE, offers={welcomeOffers=[], exclusiveOffers=[], additionalOffers=null}, productName=The Platinum Card®, promotional={bannerText=<strong>[American Express The Platinum Card Welcome Offer]</strong><span><span> </span>New Customers submit the application of Basic Card and fulfilled designated requirements are entitled to receive<span> </span></span><strong>up to HK$10,866 Reward (Include 1,000,000 Membership Rewards Points [Can redeem HK$2,000 Statement Credit or HK$4,000 travel credit on Amex Travel Online] + HK$2,200 Travel Statement Credit + HK$2,000 Dining Credit</strong>, bannerImage=null, countdown={text=Last Chance, displayProductPage=false, date={startDate=2021-01-05T02:00:00.000Z, endDate=2023-03-23T10:00:00.000Z}}, flipBanner={imageForDesktop=null, imageForMobile=null, period=1, timeDelay=0, date={startDate=null, endDate=null}}, type=[{key=WELCOME_GIFT, display=Latest Offer}]}, provider={alias=american-express, providerName=American Express}, title=HK.CC.AMEX0012.THEPLATINUMCARD})
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Successful online applications 100,000 Membership Rewards Points Welcome Bonus
Successful application with spending HK$15,000 in the first 3 months of Basic Card membership Up to 500,000 Membership Rewards Points [NEW] American Express Travel Online Benefit
Enroll with your Basic Platinum Card and make pre-paid bookings on a wide selection of American Express hotel & car rental partners via American Express Travel Online platform Up to HK$2,200 Travel Statement Credit Registered Card Rewards Up to HK$2,000 Dining Credit (HK$1,000 Local Dining Credit & HK$1,000 Abroad Dining Credit) Up to HK$8,200 Reward
(Include 600,000 Membership Rewards Points [Can redeem HK$2,000 Statement Credit or HK$4,000 travel credit on Amex Travel Online] + HK$2,200 Travel Statement Credit + HK$2,000 Dining Credit
, Earn Rewards points when you spend with the Card
- Membership Rewards Turbo Program - First HK$160,000 local spending for each program year - HK$1 spending = 2 Membership Rewards points
- Take American Express Pay with Points Redemption Rate 300 Membership Rewards points = HK$1 as an example. The cashback rate is 0.67%.
- Booking through American Express Travel Online, you can enjoy a preferential redemption rate of 150 Membership Reward points Points = HK$1 Redemption Points
- Membership Rewards Turbo Program - Local spending from HK$160,001 and onwards for each program year - HK$1 spending = 1 Membership Rewards points
- Take American Express Pay with Points Redemption Rate 300 Membership Rewards points = HK$1 as an example. The cashback rate is 0.33%.
- Booking through American Express Travel Online, you can enjoy a preferential redemption rate of 150 Membership Reward points Points = HK$1 Redemption Points
- Foreign Currency Spending - HK$1 spending = 3 Membership Rewards points
- Take American Express Pay with Points Redemption Rate 300 Membership Rewards points = HK$1 as an example. The cashback rate is 1%.
- Booking through American Express Travel Online, you can enjoy a preferential redemption rate of 150 Membership Reward points Points = HK$1 Redemption Points
, Shopping Protection
Spend with the Card to enjoy the following protection: - Online Fraud Protection Guarantee
Shop online with the Card and you won't be held responsible for any fraudulent charge. - Return Guarantee
Refund if you are unhappy with the purchase made with the Card. - Extended Warranty
When purchase with the Card, the warranty will be extended by up to 1 year once the original manufacturer's warranty expires. The maximum coverage is HK$40,000 per item, and HK$150,000 per Card account per year. - Price Protection
Refund the difference when you see an identical item offered at a cheaper price in Hong Kong within 14 days of your purchase - 45 Days Cover
Almost anything you buy with your Card is insured against theft or accidental damage for up to 45 days after the date of purchase. - Terms and Conditions apply.
, Travel Offer
- [New] American Express Travel Online Benefit
Enroll with your Basic Platinum Card and make pre-paid bookings on a wide selection of American Express hotel & car rental partners via American Express Travel Online platform to enjoy up to HK$2,200 Statement Credit - For details, please refer to https://www.americanexpress.com/en-hk/benefits/offers/travel/ato-credit/index.html
- Complimentary Access to The Centurion Lounges
Enjoy over 1,400 lounges access over the world, and complimentary access to The Centurion Lounges at Hong Kong International Airport, George Bush InterContinental, Las Vegas McCarran, Dallas/Fort Worth, San Francisco International, Miami International, Seattle-Tacoma and New York’s LaGuardia Airport. - Fine Hotels & Resorts
Complimentary benefits with an average total value of HK$4,680 with Fine Hotels & Resorts through Platinum Travel Service. With over 1,300 world-class properties to explore: complimentary room upgrade upon arrival, complimentary daily breakfast for two people, and Guaranteed 4 pm late checkout etc. when available - Elite partner programs
Complimentary Membership to the world’s leading hotel and car rental companies’ loyalty programs, including Hilton Honors – Gold status, Radisson Rewards™ - Premium status, and Marriott Bonvoy™ - Gold Elite Status - The Hotel Collection
Get a US$100 hotel credit and a room upgrade if available when you stay at least 2 nights – choose among more than 600 hotels worldwide, like Hyatt and Hilton Hotels. - Comprehensive Travel Insurance
Travel Accidents coverage of up to HK$$4,000,000, Medical Assistance and expense up to HK$$1,000,000, Canceling and cutting short your trip, Lost, stolen and damaged baggage, and Delayed flights and missed departures.
, Dining Offer
Basic and Supplementary Cardmember can enjoy
- [New] Global Dining Credit
Benefit of up to HK$2,000 Dining Credit annually, including HK$1,000 Statement Credit for local dining at over 30 local restaurants and in 20 locations around the world and HK$1,000 Statement Credit for abroad dining at over 1,400 abroad restaurants and in 20 locations around the world; Benefit resets annually on January 1 until December 31, 2024 - Promotion details please refer to https://www.americanexpress.com/en-hk/benefits/offers/dining/global-dining-credit/index.html.
- Enjoy special savings at designated restaurants of Maxim’s Chinese Cuisine, Western Restaurants and m.a.x. concepts on the à la carte dinner menus.
- Enjoy up to 50% savings on the à la carte dinner menus and 25% savings on the à la carte food menus for takeaway orders at designated restaurants of Cafe Deco Group.
- Designated restaurants of Cafe Deco Group includes: Beerliner, The Beer House, Cafe Deco Pizzeria, Pickled Pelican, Dim Sum Bar, Pivo Czech Bar.
- The list of designated restaurants is subject to change from time to time without prior notice. Please check with the restaurants for details.
, Lifestyle Offer - Buy-1-Get-1-Free tickets offer will be applicable to Friday shows, while 20% savings on regular priced movie tickets will be available on other days in Broadway Circuit.
- Enjoy 3% savings on selected regular-priced items at the stores of city'super, LOG-ON and cook
edDeli in Hong Kong.
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height:30px; width:50.8644%\"><strong>[NEW] American Express Travel Online Benefit</strong><br /> Enroll with your Basic Platinum Card and make pre-paid bookings on a wide selection of American Express hotel & car rental partners via American Express Travel Online platform</td> <td style=\"border-top:1px solid #ededed; height:30px; text-align:center; width:24.5912%\">Up to HK$2,200 Travel Statement Credit</td> </tr> <tr> <td style=\"border-top:1px solid #ededed; height:30px; width:50.8644%\"><strong>Registered Card Rewards</strong></td> <td style=\"border-top:1px solid #ededed; height:30px; text-align:center; width:24.5912%\">Up to HK$2,000 Dining Credit (HK$1,000 Local Dining Credit & HK$1,000 Abroad Dining Credit)</td> </tr> <tr> <td style=\"border-top:1px solid #ededed; height:50px; width:50.8644%\"> </td> <td style=\"border-top:1px solid #ededed; height:50px; text-align:center; width:24.5912%\"><strong>Up to HK$8,200 Reward</strong><br /> (Include 600,000 Membership Rewards Points [Can redeem HK$2,000 Statement Credit or HK$4,000 travel credit on Amex Travel Online] + HK$2,200 Travel Statement Credit + HK$2,000 Dining Credit</td> </tr> </tbody> </table>","<p><strong>Earn Rewards points when you spend with the Card</strong></p> <ul> \t<li><strong>Membership Rewards Turbo Program - First HK$160,000 local spending for each program year - HK$1 spending = 2 Membership Rewards points</strong> \t<ul> \t\t<li>Take American Express Pay with Points Redemption Rate 300 Membership Rewards<strong> </strong>points = HK$1 as an example. <strong>The cashback rate is 0.67%.</strong></li> \t\t<li>Booking through American Express Travel Online, you can enjoy a preferential redemption rate of 150 Membership Reward points Points = HK$1 Redemption Points</li> \t</ul> \t</li> \t<li><strong>Membership Rewards Turbo Program - Local spending from HK$160,001 and onwards for each program year - HK$1 spending = 1 Membership Rewards points</strong> \t<ul> \t\t<li>Take American Express Pay with Points Redemption Rate 300 Membership Rewards<strong> </strong>points = HK$1 as an example. <strong>The cashback rate is 0.33%.</strong></li> \t\t<li>Booking through American Express Travel Online, you can enjoy a preferential redemption rate of 150 Membership Reward points Points = HK$1 Redemption Points</li> \t</ul> \t</li> \t<li><strong>Foreign Currency Spending - HK$1 spending = 3 Membership Rewards points</strong> \t<ul> \t\t<li>Take American Express Pay with Points Redemption Rate 300 Membership Rewards<strong> </strong>points = HK$1 as an example. <strong>The cashback rate is 1%.</strong></li> \t\t<li>Booking through American Express Travel Online, you can enjoy a preferential redemption rate of 150 Membership Reward points Points = HK$1 Redemption Points</li> \t</ul> \t</li> </ul>","<strong>Shopping Protection</strong><br />Spend with the Card to enjoy the following protection: <ul> <li><strong>Online Fraud Protection Guarantee</strong><br />Shop online with the Card and you won't be held responsible for any fraudulent charge.</li> <li><strong>Return Guarantee</strong><br />Refund if you are unhappy with the purchase made with the Card.</li> <li><strong>Extended Warranty</strong><br />When purchase with the Card, the warranty will be extended by up to 1 year once the original manufacturer's warranty expires. The maximum coverage is HK$40,000 per item, and HK$150,000 per Card account per year.</li> <li><strong>Price Protection</strong><br />Refund the difference when you see an identical item offered at a cheaper price in Hong Kong within 14 days of your purchase</li> <li><strong>45 Days Cover</strong><br />Almost anything you buy with your Card is insured against theft or accidental damage for up to 45 days after the date of purchase.</li> <li>Terms and Conditions apply.</li> </ul>","<p><strong>Travel Offer</strong></p> <ul> <li><strong>[New] American Express Travel Online Benefit</strong><br />Enroll with your Basic Platinum Card and make pre-paid bookings on a wide selection of American Express hotel & car rental partners via American Express Travel Online platform to enjoy up to HK$2,200 Statement Credit <ul> <li>For details, please refer to https://www.americanexpress.com/en-hk/benefits/offers/travel/ato-credit/index.html</li> </ul> </li> <li><strong>Complimentary Access to The Centurion Lounges</strong><br />Enjoy over 1,400 lounges access over the world, and complimentary access to The Centurion Lounges at Hong Kong International Airport, George Bush InterContinental, Las Vegas McCarran, Dallas/Fort Worth, San Francisco International, Miami International, Seattle-Tacoma and New York’s LaGuardia Airport.</li> <li><strong>Fine Hotels & Resorts</strong><br />Complimentary benefits with an average total value of HK$4,680 with Fine Hotels & Resorts through Platinum Travel Service. With over 1,300 world-class properties to explore: complimentary room upgrade upon arrival, complimentary daily breakfast for two people, and Guaranteed 4 pm late checkout etc. when available</li> <li><strong>Elite partner programs</strong><br />Complimentary Membership to the world’s leading hotel and car rental companies’ loyalty programs, including Hilton Honors – Gold status, Radisson Rewards™ - Premium status, and Marriott Bonvoy™ - Gold Elite Status</li> <li><strong>The Hotel Collection</strong><br />Get a US$100 hotel credit and a room upgrade if available when you stay at least 2 nights – choose among more than 600 hotels worldwide, like Hyatt and Hilton Hotels.</li> <li><strong>Comprehensive Travel Insurance</strong><br />Travel Accidents coverage of up to HK$$4,000,000, Medical Assistance and expense up to HK$$1,000,000, Canceling and cutting short your trip, Lost, stolen and damaged baggage, and Delayed flights and missed departures.</li> </ul>","<p><strong>Dining Offer</strong><br />Basic and Supplementary Cardmember can enjoy</p> <ul> <li><strong>[New] Global Dining Credit</strong><br />Benefit of up to HK$2,000 Dining Credit annually, including HK$1,000 Statement Credit for local dining at over 30 local restaurants and in 20 locations around the world and HK$1,000 Statement Credit for abroad dining at over 1,400 abroad restaurants and in 20 locations around the world; Benefit resets annually on January 1 until December 31, 2024 <ul> <li>Promotion details please refer to https://www.americanexpress.com/en-hk/benefits/offers/dining/global-dining-credit/index.html.</ul> </li> </li> <li>Enjoy special savings at designated restaurants of Maxim’s Chinese Cuisine, Western Restaurants and m.a.x. concepts on the à la carte dinner menus.</li> <li>Enjoy up to 50% savings on the à la carte dinner menus and 25% savings on the à la carte food menus for takeaway orders at designated restaurants of Cafe Deco Group. <ul> <li>Designated restaurants of Cafe Deco Group includes: Beerliner, The Beer House, Cafe Deco Pizzeria, Pickled Pelican, Dim Sum Bar, Pivo Czech Bar.</li> <li>The list of designated restaurants is subject to change from time to time without prior notice. Please check with the restaurants for details.</li> </ul> </li> </ul>","<strong>Lifestyle Offer</strong> <ul> <li>Buy-1-Get-1-Free tickets offer will be applicable to Friday shows, while 20% savings on regular priced movie tickets will be available on other days in Broadway Circuit.</li> <li>Enjoy 3% savings on selected regular-priced items at the stores of city'super, LOG-ON and cook<wbr />edDeli in Hong Kong.</li> </ul>"],"cons":["<strong>The Platinum Card® Year-Round Offers <a href=\"https://www.americanexpress.com/content/dam/amex/hk/en/staticassets/pdf/membership-benefits/offers/charge-card/The-Platinum-TnC-EN.pdf\" target=\"_blank\" rel=\"noopener\">Terms and Conditions</a> apply.</strong>","<strong>Annual fee is HK$9,500 with the entitlement of 2 Supplementary Platinum Cards (annual fee cannot be waived)</strong>","<strong>Existing Basic Platinum Card Cardmember / American Express Peninsula Platinum Card Basic Card Cardmember and applicants who held the Basic Card of The Platinum Card® / American Express® Peninsula Platinum Card at any time within the past 12 months from the date of this application are not eligible for Welcome Offers.</strong>","The Platinum Card® welcome offer will be ONLY eligible to those who paid the annual fee and account stays active"]},"eligibility":[{"type":{"key":"MINIMUM_AGE","display":"Minimum Age"},"value":"18","description":{"shortDescription":"18 years old","longDescription":null,"tooltip":null}},{"type":{"key":"MINIMUM_ANNUAL_INCOME","display":"Min. 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null
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Complimentary hotel memberships; Annual fee cannot be waived","Access to 1,400+ Airport Lounges"]},"productName":"The Platinum Card®","title":"HK.CC.AMEX0012.THEPLATINUMCARD","features":{"title":"Features","pros":["<table style=\"height:266px; width:100%\"> <tbody> <tr> <td style=\"height:30px; width:50.8644%\">Requirements</td> <td style=\"height:30px; text-align:center; width:24.5912%\">Welcome Offers</td> </tr> <tr> <td style=\"border-top:1px solid #ededed; height:30px; width:50.8644%\"><strong>Online Bonus</strong><br /> Successful online applications</td> <td style=\"border-top:1px solid #ededed; height:30px; text-align:center; width:24.5912%\">100,000 Membership Rewards Points</td> </tr> <tr> <td style=\"border-top:1px solid #ededed; height:30px; width:50.8644%\"><strong>Welcome Bonus</strong><br /> Successful application with spending HK$15,000 in the first 3 months of Basic Card membership</td> <td style=\"border-top:1px solid #ededed; height:30px; text-align:center; width:24.5912%\">Up to 500,000 Membership Rewards Points</td> </tr> <tr> <td style=\"border-top:1px solid #ededed; height:30px; width:50.8644%\"><strong>[NEW] American Express Travel Online Benefit</strong><br /> Enroll with your Basic Platinum Card and make pre-paid bookings on a wide selection of American Express hotel & car rental partners via American Express Travel Online platform</td> <td style=\"border-top:1px solid #ededed; height:30px; text-align:center; width:24.5912%\">Up to HK$2,200 Travel Statement Credit</td> </tr> <tr> <td style=\"border-top:1px solid #ededed; height:30px; width:50.8644%\"><strong>Registered Card Rewards</strong></td> <td style=\"border-top:1px solid #ededed; height:30px; text-align:center; width:24.5912%\">Up to HK$2,000 Dining Credit (HK$1,000 Local Dining Credit & HK$1,000 Abroad Dining Credit)</td> </tr> <tr> <td style=\"border-top:1px solid #ededed; height:50px; width:50.8644%\"> </td> <td style=\"border-top:1px solid #ededed; height:50px; text-align:center; width:24.5912%\"><strong>Up to HK$8,200 Reward</strong><br /> (Include 600,000 Membership Rewards Points [Can redeem HK$2,000 Statement Credit or HK$4,000 travel credit on Amex Travel Online] + HK$2,200 Travel Statement Credit + HK$2,000 Dining Credit</td> </tr> </tbody> </table>","<p><strong>Earn Rewards points when you spend with the Card</strong></p> <ul> \t<li><strong>Membership Rewards Turbo Program - First HK$160,000 local spending for each program year - HK$1 spending = 2 Membership Rewards points</strong> \t<ul> \t\t<li>Take American Express Pay with Points Redemption Rate 300 Membership Rewards<strong> </strong>points = HK$1 as an example. <strong>The cashback rate is 0.67%.</strong></li> \t\t<li>Booking through American Express Travel Online, you can enjoy a preferential redemption rate of 150 Membership Reward points Points = HK$1 Redemption Points</li> \t</ul> \t</li> \t<li><strong>Membership Rewards Turbo Program - Local spending from HK$160,001 and onwards for each program year - HK$1 spending = 1 Membership Rewards points</strong> \t<ul> \t\t<li>Take American Express Pay with Points Redemption Rate 300 Membership Rewards<strong> </strong>points = HK$1 as an example. <strong>The cashback rate is 0.33%.</strong></li> \t\t<li>Booking through American Express Travel Online, you can enjoy a preferential redemption rate of 150 Membership Reward points Points = HK$1 Redemption Points</li> \t</ul> \t</li> \t<li><strong>Foreign Currency Spending - HK$1 spending = 3 Membership Rewards points</strong> \t<ul> \t\t<li>Take American Express Pay with Points Redemption Rate 300 Membership Rewards<strong> </strong>points = HK$1 as an example. <strong>The cashback rate is 1%.</strong></li> \t\t<li>Booking through American Express Travel Online, you can enjoy a preferential redemption rate of 150 Membership Reward points Points = HK$1 Redemption Points</li> \t</ul> \t</li> </ul>","<strong>Shopping Protection</strong><br />Spend with the Card to enjoy the following protection: <ul> <li><strong>Online Fraud Protection Guarantee</strong><br />Shop online with the Card and you won't be held responsible for any fraudulent charge.</li> <li><strong>Return Guarantee</strong><br />Refund if you are unhappy with the purchase made with the Card.</li> <li><strong>Extended Warranty</strong><br />When purchase with the Card, the warranty will be extended by up to 1 year once the original manufacturer's warranty expires. The maximum coverage is HK$40,000 per item, and HK$150,000 per Card account per year.</li> <li><strong>Price Protection</strong><br />Refund the difference when you see an identical item offered at a cheaper price in Hong Kong within 14 days of your purchase</li> <li><strong>45 Days Cover</strong><br />Almost anything you buy with your Card is insured against theft or accidental damage for up to 45 days after the date of purchase.</li> <li>Terms and Conditions apply.</li> </ul>","<p><strong>Travel Offer</strong></p> <ul> <li><strong>[New] American Express Travel Online Benefit</strong><br />Enroll with your Basic Platinum Card and make pre-paid bookings on a wide selection of American Express hotel & car rental partners via American Express Travel Online platform to enjoy up to HK$2,200 Statement Credit <ul> <li>For details, please refer to https://www.americanexpress.com/en-hk/benefits/offers/travel/ato-credit/index.html</li> </ul> </li> <li><strong>Complimentary Access to The Centurion Lounges</strong><br />Enjoy over 1,400 lounges access over the world, and complimentary access to The Centurion Lounges at Hong Kong International Airport, George Bush InterContinental, Las Vegas McCarran, Dallas/Fort Worth, San Francisco International, Miami International, Seattle-Tacoma and New York’s LaGuardia Airport.</li> <li><strong>Fine Hotels & Resorts</strong><br />Complimentary benefits with an average total value of HK$4,680 with Fine Hotels & Resorts through Platinum Travel Service. With over 1,300 world-class properties to explore: complimentary room upgrade upon arrival, complimentary daily breakfast for two people, and Guaranteed 4 pm late checkout etc. when available</li> <li><strong>Elite partner programs</strong><br />Complimentary Membership to the world’s leading hotel and car rental companies’ loyalty programs, including Hilton Honors – Gold status, Radisson Rewards™ - Premium status, and Marriott Bonvoy™ - Gold Elite Status</li> <li><strong>The Hotel Collection</strong><br />Get a US$100 hotel credit and a room upgrade if available when you stay at least 2 nights – choose among more than 600 hotels worldwide, like Hyatt and Hilton Hotels.</li> <li><strong>Comprehensive Travel Insurance</strong><br />Travel Accidents coverage of up to HK$$4,000,000, Medical Assistance and expense up to HK$$1,000,000, Canceling and cutting short your trip, Lost, stolen and damaged baggage, and Delayed flights and missed departures.</li> </ul>","<p><strong>Dining Offer</strong><br />Basic and Supplementary Cardmember can enjoy</p> <ul> <li><strong>[New] Global Dining Credit</strong><br />Benefit of up to HK$2,000 Dining Credit annually, including HK$1,000 Statement Credit for local dining at over 30 local restaurants and in 20 locations around the world and HK$1,000 Statement Credit for abroad dining at over 1,400 abroad restaurants and in 20 locations around the world; Benefit resets annually on January 1 until December 31, 2024 <ul> <li>Promotion details please refer to https://www.americanexpress.com/en-hk/benefits/offers/dining/global-dining-credit/index.html.</ul> </li> </li> <li>Enjoy special savings at designated restaurants of Maxim’s Chinese Cuisine, Western Restaurants and m.a.x. concepts on the à la carte dinner menus.</li> <li>Enjoy up to 50% savings on the à la carte dinner menus and 25% savings on the à la carte food menus for takeaway orders at designated restaurants of Cafe Deco Group. <ul> <li>Designated restaurants of Cafe Deco Group includes: Beerliner, The Beer House, Cafe Deco Pizzeria, Pickled Pelican, Dim Sum Bar, Pivo Czech Bar.</li> <li>The list of designated restaurants is subject to change from time to time without prior notice. Please check with the restaurants for details.</li> </ul> </li> </ul>","<strong>Lifestyle Offer</strong> <ul> <li>Buy-1-Get-1-Free tickets offer will be applicable to Friday shows, while 20% savings on regular priced movie tickets will be available on other days in Broadway Circuit.</li> <li>Enjoy 3% savings on selected regular-priced items at the stores of city'super, LOG-ON and cook<wbr />edDeli in Hong Kong.</li> </ul>"],"cons":["<strong>The Platinum Card® Year-Round Offers <a href=\"https://www.americanexpress.com/content/dam/amex/hk/en/staticassets/pdf/membership-benefits/offers/charge-card/The-Platinum-TnC-EN.pdf\" target=\"_blank\" rel=\"noopener\">Terms and Conditions</a> apply.</strong>","<strong>Annual fee is HK$9,500 with the entitlement of 2 Supplementary Platinum Cards (annual fee cannot be waived)</strong>","<strong>Existing Basic Platinum Card Cardmember / American Express Peninsula Platinum Card Basic Card Cardmember and applicants who held the Basic Card of The Platinum Card® / American Express® Peninsula Platinum Card at any time within the past 12 months from the date of this application are not eligible for Welcome Offers.</strong>","The Platinum Card® welcome offer will be ONLY eligible to those who paid the annual fee and account stays active"]},"eligibility":[{"type":{"key":"MINIMUM_AGE","display":"Minimum Age"},"value":"18","description":{"shortDescription":"18 years old","longDescription":null,"tooltip":null}},{"type":{"key":"MINIMUM_ANNUAL_INCOME","display":"Min. 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What is Visa Platinum?
Visa Platinum is a prestigious grade of credit card offered by Visa, providing cardholders with enhanced benefits, exclusive rewards, superior customer service, and privileges beyond those typically associated with standard credit cards. HSBC Visa Platinum Card and Standard Chartered Platinum Credit Card are two examples of Visa Platinum cards in Hong Kong.
Visa Platinum: Concierge service
Visa Platinum cardholders have access to a dedicated Visa Concierge service, which offers personalized assistance and support to meet their travel, dining, and entertainment needs. This service allows cardholders to seek assistance with travel planning, flight and hotel reservations, restaurant bookings, car rental services, and ticket reservations for various events simply by using the Visa Concierge mobile app or making a phone call. Cardholders have access to Visa’s round-the-clock support team through various communication channels, including phone, email, live chat, and popular third-party messaging apps such as WhatsApp and LINE. Visa Concierge also allows cardholders to self-book their dining, flights, tickets for local attractions, and other activities. Visa’s customer service center supports commonly used Asian languages, including Cantonese, Mandarin, and English, and offers toll-free numbers for various countries and regions, ensuring 24/7 assistance regardless of location. This comprehensive support network ensures that Visa Platinum cardholders can access personalized assistance whenever they need it, making their everyday life and travel experiences smoother and more enjoyable.
Visa Platinum: Annual Fee
In Hong Kong, one of the advantages of Visa Platinum cards over AMEX’s offerings is its relatively low annual fee. For example, both the HSBC Visa Platinum Card and the Standard Chartered Platinum Credit Card carry an annual fee of $1,800, with HSBC offering a first 2 years’ annual fee waiver. Some other Visa Platinum cards may have even lower annual fees, possibly as low as HK$1,200. In contrast, AMEX’s Platinum lineup comes with higher annual fees, with The Platinum Card charging HK$9,500 annually and the Platinum Credit Card costing HK$2,200 annually, both without any waiver.
Welcome Gift
HSBC Visa Platinum Card
Local Spending - Cashback Rate
2.4
%
on local retail spending with "Red Hot Rewards of Your Choice" registration
Dining - Cashback Rate
2.4
%
on dining spending with "Red Hot Rewards of Your Choice" registration
Annual fee
$
1,800
See more
See less
See more
See less
Rewards
[Till 24 February 2024] Enjoy up to $2,300 RewardCash as welcome offer upon successful online application
Red Hot Winter Spending Rewards
From 30 November 2023 to 24 February 2024, paying with an HSBC credit card for any local or overseas transactions can earn up to an extra $1,300 RewardCash.
Welcome Offer
- Extra $500 RewardCash;
- Extra $200 RewardCash if any of the eligible transactions are made through an HSBC Visa Credit Card
- Get a Welcome Gift of $800 RewardCash (for New Credit Card Customers) or $300 RewardCash (for Existing Credit Card Customers) when you use the card to make eligible transactions of HK$8,000 or above within 60 days of card issuance
- Get an extra $200 RewardCash (for New Credit Card Customers) when you successfully apply for Cash Instalment Plan with an approved withdrawal amount equal to or above HK$20,000 and with a repayment period of 12 months or above to enjoy the offer; a total of up to $1,000 RewardCash
Red Hot Winter Spending Rewards
| Accumulated eligible transactions^ | RewardCash earned |
| Reach HK$12,000 | 5% RewardCash rebate. The offer extends up to $600 RewardCash |
| Reach HK$38,000 | Extra rewards on top of the above rebate including: |
| Up to an extra $1,300 RewardCash |
- Registration needed
- Eligible cards: all HSBC credit cards including student card
- The extra $600 RewardCash of 「Red Hot Winter Spending Reward」 includes a maximum of an extra $300 RewardCash in relation to Eligible Local Transactions and an extra $300 RewardCash in relation to Eligible Overseas Transactions」。
- If you are a supplementary card owner and do not own any other personal HSBC basic card, that supplementary card cannot be used in the 「Red Hot Winter Spending Reward」 and 「HSBC Travel Guru Membership Programme」offers
| Total RewardCash | RewardCash items |
| up to HK$2,300 RewardCash | up to HK$800 RewardCash (Welcome Offer) + HK$200 RewardCash (Monthly Instalment(s) of Cash Instalment Plan) + up to HK$1,300 RewardCash (Red Hot Winter Spending Rewards) |
Enjoy up to 6X MoneyBack points for purchases at PARKnSHOP, Watsons and FORTRESS by linking HSBC Visa Platinum Card in MoneyBack App
Enjoy 8% off at PARKnSHOP & Watsons and 5% off at FORTRESS on Member DayEnjoy 8% off at PARKnSHOP & Watsons and 5% off at FORTRESS on Member Day by linking HSBC Visa Platinum Card in MoneyBack App
Enjoy up to 4 times free delivery yearly at PARKnSHOP, Watsons and FORTRESS online stores by linking HSBC Visa Platinum Card in MoneyBack App
Visa Platinum concierge services, including travel information and restaurant reservations
Visa Platinum Club provides exclusive hotel offers, car rental discounts, and more
Visa Platinum Club provides exclusive hotel offers, car rental discounts, and more
First 2 years annual fee waiver
The Online Welcome Offer Promotional Period is from 1 September 2023 to 29 February 2024
The Welcome Offer is not applicable to applicants who have cancelled any personal primary credit card HSBC issued on or after 1 March 2023
Cardholders could only enjoy the "Red Hot Rewards of Your Choice" by registering before 31 October 2022 among your six preferred spending categories of Dining, Overseas and Mainland China Spending, Health & Leisure, Home and Lifestyle for the first HK$100,000 eligible spending
To borrow or not to borrow? Borrow only if you can repay!
Annual fee
HK$1,800
Foreign Currency Transaction Fee
1.95%
Minimum Age: 18 years old
Min. Annual Income: HK$150,000
No
No
Debug data (JSON)
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Red Hot Winter Spending Rewards
\t \t\t \t\t\tAccumulated eligible transactions^ \t\t\tRewardCash earned \t\t \t\t \t\t\tReach HK$12,000 \t\t\t 5% RewardCash rebate. The offer extends up to $600 RewardCash \t\t \t\t \t\t\tReach HK$38,000 \t\t\tExtra rewards on top of the above rebate including:- Extra $500 RewardCash;
- Extra $200 RewardCash if any of the eligible transactions are made through an HSBC Visa Credit Card
\t\t \t\t \t\t\t \t\t\t Up to an extra $1,300 RewardCash \t\t \t
^A single transaction on local or overseas spending of HK$500 or above are counted as eligible transactions - Registration needed
- Eligible cards: all HSBC credit cards including student card
- The extra $600 RewardCash of 「Red Hot Winter Spending Reward」 includes a maximum of an extra $300 RewardCash in relation to Eligible Local Transactions and an extra $300 RewardCash in relation to Eligible Overseas Transactions」。
- If you are a supplementary card owner and do not own any other personal HSBC basic card, that supplementary card cannot be used in the 「Red Hot Winter Spending Reward」 and 「HSBC Travel Guru Membership Programme」offers
\t \t\t \t\t\tTotal RewardCash \t\t\tRewardCash items \t\t \t\t \t\t\t \t\t\tup to HK$2,300 RewardCash
\t\t\t \t\t\t \t\t\t up to HK$800 RewardCash (Welcome Offer) + HK$200 RewardCash (Monthly Instalment(s) of Cash Instalment Plan) + up to HK$1,300 RewardCash (Red Hot Winter Spending Rewards)
\t\t\t \t\t \t\t \t \t\t \t
- Get a Welcome Gift of $800 RewardCash (for New Credit Card Customers) or $300 RewardCash (for Existing Credit Card Customers) when you use the card to make eligible transactions of HK$8,000 or above within 60 days of card issuance
- Get an extra $200 RewardCash (for New Credit Card Customers) when you successfully apply for Cash Instalment Plan with an approved withdrawal amount equal to or above HK$20,000 and with a repayment period of 12 months or above to enjoy the offer; a total of up to $1,000 RewardCash
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Annual Income}, value=150000, description={shortDescription=HK$150,000, longDescription=null, tooltip=null}}], featured=false, features={title=Features, pros=[<p><strong>Welcome Offer</strong></p> <ul> <p><strong>Red Hot Winter Spending Rewards</strong></p> <table style="height:144px; width:100%"> <tbody> <tr> <td style="height:30px; text-align:left; width:49.9264%"><strong>Accumulated eligible transactions^</strong></td> <td style="height:30px; text-align:left; width:48.8954%"><strong>RewardCash earned</strong></td> </tr> <tr> <td style="border-top:1px solid #ededed; height:30px; width:49.9264%">Reach HK$12,000 </td> <td style="border-top:1px solid #ededed; height:30px; width:48.8954%"> 5% RewardCash rebate. The offer extends up to $600 RewardCash</td> </tr> <tr> <td style="border-top:1px solid #ededed; height:30px; width:49.9264%">Reach HK$38,000</td> <td style="border-top:1px solid #ededed; height:30px; width:48.8954%">Extra rewards on top of the above rebate including:<ul><li> Extra $500 RewardCash;</ul></li><ul><li> Extra $200 RewardCash if any of the eligible transactions are made through an HSBC Visa Credit Card</ul> </li> </td> </tr> <tr> <td style="border-top:1px solid #ededed; height:30px; width:49.9264%"> </td> <td style="border-top:1px solid #ededed; height:30px; width:48.8954%"> Up to an extra $1,300 RewardCash</td> </tr> </tbody> </table> <p></p>^A single transaction on local or overseas spending of HK$500 or above are counted as eligible transactions <p>- Registration needed</p> <p>- Eligible cards: all HSBC credit cards including student card</p><p>- The extra $600 RewardCash of 「Red Hot Winter Spending Reward」 includes a maximum of an extra $300 RewardCash in relation to Eligible Local Transactions and an extra $300 RewardCash in relation to Eligible Overseas Transactions」。</p><p>- If you are a supplementary card owner and do not own any other personal HSBC basic card, that supplementary card cannot be used in the 「Red Hot Winter Spending Reward」 and 「HSBC Travel Guru Membership Programme」offers</p> <table style="height:151px; width:100%"> <tbody> <tr> <td style="height:30px; text-align:center; width:48.7568%"><strong>Total RewardCash </strong></td> <td style="height:30px; text-align:center; width:50.065%"><strong>RewardCash items</strong></td> </tr> <tr> <td style="border-top:1px solid #ededed; height:30px; width:48.7568%"> <p>up to HK$2,300 RewardCash</p> </td> <td style="border-top:1px solid #ededed; height:30px; width:50.065%"> <p> up to HK$800 RewardCash (Welcome Offer) + HK$200 RewardCash (Monthly Instalment(s) of Cash Instalment Plan) + up to HK$1,300 RewardCash (Red Hot Winter Spending Rewards)</p> </td> </tr> <tr> </td> </tr> </tbody> </table> <li>Get a Welcome Gift of $800 RewardCash (for New Credit Card Customers) or $300 RewardCash (for Existing Credit Card Customers) when you use the card to make eligible transactions of HK$8,000 or above within 60 days of card issuance</li><li>Get an extra $200 RewardCash (for New Credit Card Customers) when you successfully apply for Cash Instalment Plan with an approved withdrawal amount equal to or above HK$20,000 and with a repayment period of 12 months or above to enjoy the offer; a total of up to $1,000 RewardCash </li></ul>, Enjoy up to 6X MoneyBack points for purchases at PARKnSHOP, Watsons and FORTRESS by linking HSBC Visa Platinum Card in MoneyBack App, Enjoy 8% off at PARKnSHOP & Watsons and 5% off at FORTRESS on Member DayEnjoy 8% off at PARKnSHOP & Watsons and 5% off at FORTRESS on Member Day by linking HSBC Visa Platinum Card in MoneyBack App, Enjoy up to 4 times free delivery yearly at PARKnSHOP, Watsons and FORTRESS online stores by linking HSBC Visa Platinum Card in MoneyBack App, Visa Platinum concierge services, including travel information and restaurant reservations <br>Visa Platinum Club provides exclusive hotel offers, car rental discounts, and more, First 2 years annual fee waiver], cons=[The Online Welcome Offer Promotional Period is from 1 September 2023 to 29 February 2024, The Welcome Offer is not applicable to applicants who have cancelled any personal primary credit card HSBC issued on or after 1 March 2023, Cardholders could only enjoy the "Red Hot Rewards of Your Choice" by registering before 31 October 2022 among your six preferred spending categories of Dining, Overseas and Mainland China Spending, Health & Leisure, Home and Lifestyle for the first HK$100,000 eligible spending, To borrow or not to borrow? 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Welcome Offer
Red Hot Winter Spending Rewards
Accumulated eligible transactions^ RewardCash earned Reach HK$12,000 5% RewardCash rebate. The offer extends up to $600 RewardCash Reach HK$38,000 Extra rewards on top of the above rebate including:- Extra $500 RewardCash;
- Extra $200 RewardCash if any of the eligible transactions are made through an HSBC Visa Credit Card
Up to an extra $1,300 RewardCash
^A single transaction on local or overseas spending of HK$500 or above are counted as eligible transactions - Registration needed
- Eligible cards: all HSBC credit cards including student card
- The extra $600 RewardCash of 「Red Hot Winter Spending Reward」 includes a maximum of an extra $300 RewardCash in relation to Eligible Local Transactions and an extra $300 RewardCash in relation to Eligible Overseas Transactions」。
- If you are a supplementary card owner and do not own any other personal HSBC basic card, that supplementary card cannot be used in the 「Red Hot Winter Spending Reward」 and 「HSBC Travel Guru Membership Programme」offers
Total RewardCash RewardCash items up to HK$2,300 RewardCash
up to HK$800 RewardCash (Welcome Offer) + HK$200 RewardCash (Monthly Instalment(s) of Cash Instalment Plan) + up to HK$1,300 RewardCash (Red Hot Winter Spending Rewards)
- Get a Welcome Gift of $800 RewardCash (for New Credit Card Customers) or $300 RewardCash (for Existing Credit Card Customers) when you use the card to make eligible transactions of HK$8,000 or above within 60 days of card issuance
- Get an extra $200 RewardCash (for New Credit Card Customers) when you successfully apply for Cash Instalment Plan with an approved withdrawal amount equal to or above HK$20,000 and with a repayment period of 12 months or above to enjoy the offer; a total of up to $1,000 RewardCash
, Enjoy up to 6X MoneyBack points for purchases at PARKnSHOP, Watsons and FORTRESS by linking HSBC Visa Platinum Card in MoneyBack App, Enjoy 8% off at PARKnSHOP & Watsons and 5% off at FORTRESS on Member DayEnjoy 8% off at PARKnSHOP & Watsons and 5% off at FORTRESS on Member Day by linking HSBC Visa Platinum Card in MoneyBack App, Enjoy up to 4 times free delivery yearly at PARKnSHOP, Watsons and FORTRESS online stores by linking HSBC Visa Platinum Card in MoneyBack App, Visa Platinum concierge services, including travel information and restaurant reservations
Visa Platinum Club provides exclusive hotel offers, car rental discounts, and more, First 2 years annual fee waiver], cons=[The Online Welcome Offer Promotional Period is from 1 September 2023 to 29 February 2024, The Welcome Offer is not applicable to applicants who have cancelled any personal primary credit card HSBC issued on or after 1 March 2023, Cardholders could only enjoy the "Red Hot Rewards of Your Choice" by registering before 31 October 2022 among your six preferred spending categories of Dining, Overseas and Mainland China Spending, Health & Leisure, Home and Lifestyle for the first HK$100,000 eligible spending, To borrow or not to borrow? Borrow only if you can repay!]}, eligibility=[{type={key=MINIMUM_AGE, display=Minimum Age}, value=18, description={shortDescription=18 years old, longDescription=null, tooltip=null}}, {type={key=MINIMUM_ANNUAL_INCOME, display=Min. Annual Income}, value=150000, description={shortDescription=HK$150,000, longDescription=null, tooltip=null}}], apr=[{type={key=MINIMUM_PAYMENT, display=Minimum Payment}, value=null, description={shortDescription=All interest and fees and charges including Annual Membership Fee(s) that may be charged, plus 1% of outstanding principal, plus any overlimit anount (if any) (the minimum amount of Minimum Payment is HK$50)., longDescription=null, tooltip=null}}, {type={key=LATE_CHARGE, display=Late payment charge}, value=null, description={shortDescription=Minimum Payment Due or HK$230, whichever is lower, longDescription=null, tooltip=null}}, {type={key=RETAIL_APR, display=Retail Purchase APR}, value=null, description={shortDescription=36.43%, longDescription=null, tooltip=null}}, {type={key=CASH_APR, display=Cash Advance APR}, value=null, description={shortDescription=37.75%, longDescription=null, tooltip=null}}, {type={key=INTEREST_FREE_PERIOD, display=Interest Free Repayment Period}, value=null, description={shortDescription=56 days, longDescription=null, tooltip=null}}], fees=[{type={key=ANNUAL_FEE, display=Annual fee}, value=null, description={shortDescription=HK$1,800, longDescription=null, tooltip=null}}, {type={key=FOREIGN_CURRENCY_TRANSACTION_FEE, display=Foreign Currency Transaction Fee}, value=null, description={shortDescription=1.95%, longDescription=null, tooltip=null}}], offers={welcomeOffers=[{reward=[]}], exclusiveOffers=[{reward=[]}], additionalOffers=null}}
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The offer extends up to $600 RewardCash</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #ededed; height:30px; width:49.9264%\">Reach HK$38,000</td> \t\t\t<td style=\"border-top:1px solid #ededed; height:30px; width:48.8954%\">Extra rewards on top of the above rebate including:<ul><li> Extra $500 RewardCash;</ul></li><ul><li> Extra $200 RewardCash if any of the eligible transactions are made through an HSBC Visa Credit Card</ul> </li> </td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #ededed; height:30px; width:49.9264%\"> </td> \t\t\t<td style=\"border-top:1px solid #ededed; height:30px; width:48.8954%\"> Up to an extra $1,300 RewardCash</td> \t\t</tr> \t</tbody> </table> <p></p>^A single transaction on local or overseas spending of HK$500 or above are counted as eligible transactions <p>- Registration needed</p> <p>- Eligible cards: all HSBC credit cards including student card</p><p>- The extra $600 RewardCash of 「Red Hot Winter Spending Reward」 includes a maximum of an extra $300 RewardCash in relation to Eligible Local Transactions and an extra $300 RewardCash in relation to Eligible Overseas Transactions」。</p><p>- If you are a supplementary card owner and do not own any other personal HSBC basic card, that supplementary card cannot be used in the 「Red Hot Winter Spending Reward」 and 「HSBC Travel Guru Membership Programme」offers</p> <table style=\"height:151px; width:100%\"> \t<tbody> \t\t<tr> \t\t\t<td style=\"height:30px; text-align:center; width:48.7568%\"><strong>Total RewardCash </strong></td> \t\t\t<td style=\"height:30px; text-align:center; width:50.065%\"><strong>RewardCash items</strong></td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #ededed; height:30px; width:48.7568%\"> \t\t\t<p>up to HK$2,300 RewardCash</p> \t\t\t</td> \t\t\t<td style=\"border-top:1px solid #ededed; height:30px; width:50.065%\"> \t\t\t<p> up to HK$800 RewardCash (Welcome Offer) + HK$200 RewardCash (Monthly Instalment(s) of Cash Instalment Plan) + up to HK$1,300 RewardCash (Red Hot Winter Spending Rewards)</p> \t\t\t</td> \t\t</tr> \t\t<tr> \t</td> \t\t</tr> \t</tbody> </table> <li>Get a Welcome Gift of $800 RewardCash (for New Credit Card Customers) or $300 RewardCash (for Existing Credit Card Customers) when you use the card to make eligible transactions of HK$8,000 or above within 60 days of card issuance</li><li>Get an extra $200 RewardCash (for New Credit Card Customers) when you successfully apply for Cash Instalment Plan with an approved withdrawal amount equal to or above HK$20,000 and with a repayment period of 12 months or above to enjoy the offer; a total of up to $1,000 RewardCash </li></ul>","Enjoy up to 6X MoneyBack points for purchases at PARKnSHOP, Watsons and FORTRESS by linking HSBC Visa Platinum Card in MoneyBack App","Enjoy 8% off at PARKnSHOP & Watsons and 5% off at FORTRESS on Member DayEnjoy 8% off at PARKnSHOP & Watsons and 5% off at FORTRESS on Member Day by linking HSBC Visa Platinum Card in MoneyBack App","Enjoy up to 4 times free delivery yearly at PARKnSHOP, Watsons and FORTRESS online stores by linking HSBC Visa Platinum Card in MoneyBack App","Visa Platinum concierge services, including travel information and restaurant reservations <br>Visa Platinum Club provides exclusive hotel offers, car rental discounts, and more","First 2 years annual fee waiver"],"cons":["The Online Welcome Offer Promotional Period is from 1 September 2023 to 29 February 2024","The Welcome Offer is not applicable to applicants who have cancelled any personal primary credit card HSBC issued on or after 1 March 2023","Cardholders could only enjoy the \"Red Hot Rewards of Your Choice\" by registering before 31 October 2022 among your six preferred spending categories of Dining, Overseas and Mainland China Spending, Health & Leisure, Home and Lifestyle for the first HK$100,000 eligible spending","To borrow or not to borrow? 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The offer extends up to $600 RewardCash</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #ededed; height:30px; width:49.9264%\">Reach HK$38,000</td> \t\t\t<td style=\"border-top:1px solid #ededed; height:30px; width:48.8954%\">Extra rewards on top of the above rebate including:<ul><li> Extra $500 RewardCash;</ul></li><ul><li> Extra $200 RewardCash if any of the eligible transactions are made through an HSBC Visa Credit Card</ul> </li> </td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #ededed; height:30px; width:49.9264%\"> </td> \t\t\t<td style=\"border-top:1px solid #ededed; height:30px; width:48.8954%\"> Up to an extra $1,300 RewardCash</td> \t\t</tr> \t</tbody> </table> <p></p>^A single transaction on local or overseas spending of HK$500 or above are counted as eligible transactions <p>- Registration needed</p> <p>- Eligible cards: all HSBC credit cards including student card</p><p>- The extra $600 RewardCash of 「Red Hot Winter Spending Reward」 includes a maximum of an extra $300 RewardCash in relation to Eligible Local Transactions and an extra $300 RewardCash in relation to Eligible Overseas Transactions」。</p><p>- If you are a supplementary card owner and do not own any other personal HSBC basic card, that supplementary card cannot be used in the 「Red Hot Winter Spending Reward」 and 「HSBC Travel Guru Membership Programme」offers</p> <table style=\"height:151px; width:100%\"> \t<tbody> \t\t<tr> \t\t\t<td style=\"height:30px; text-align:center; width:48.7568%\"><strong>Total RewardCash </strong></td> \t\t\t<td style=\"height:30px; text-align:center; width:50.065%\"><strong>RewardCash items</strong></td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #ededed; height:30px; width:48.7568%\"> \t\t\t<p>up to HK$2,300 RewardCash</p> \t\t\t</td> \t\t\t<td style=\"border-top:1px solid #ededed; height:30px; width:50.065%\"> \t\t\t<p> up to HK$800 RewardCash (Welcome Offer) + HK$200 RewardCash (Monthly Instalment(s) of Cash Instalment Plan) + up to HK$1,300 RewardCash (Red Hot Winter Spending Rewards)</p> \t\t\t</td> \t\t</tr> \t\t<tr> \t</td> \t\t</tr> \t</tbody> </table> <li>Get a Welcome Gift of $800 RewardCash (for New Credit Card Customers) or $300 RewardCash (for Existing Credit Card Customers) when you use the card to make eligible transactions of HK$8,000 or above within 60 days of card issuance</li><li>Get an extra $200 RewardCash (for New Credit Card Customers) when you successfully apply for Cash Instalment Plan with an approved withdrawal amount equal to or above HK$20,000 and with a repayment period of 12 months or above to enjoy the offer; a total of up to $1,000 RewardCash </li></ul>","Enjoy up to 6X MoneyBack points for purchases at PARKnSHOP, Watsons and FORTRESS by linking HSBC Visa Platinum Card in MoneyBack App","Enjoy 8% off at PARKnSHOP & Watsons and 5% off at FORTRESS on Member DayEnjoy 8% off at PARKnSHOP & Watsons and 5% off at FORTRESS on Member Day by linking HSBC Visa Platinum Card in MoneyBack App","Enjoy up to 4 times free delivery yearly at PARKnSHOP, Watsons and FORTRESS online stores by linking HSBC Visa Platinum Card in MoneyBack App","Visa Platinum concierge services, including travel information and restaurant reservations <br>Visa Platinum Club provides exclusive hotel offers, car rental discounts, and more","First 2 years annual fee waiver"],"cons":["The Online Welcome Offer Promotional Period is from 1 September 2023 to 29 February 2024","The Welcome Offer is not applicable to applicants who have cancelled any personal primary credit card HSBC issued on or after 1 March 2023","Cardholders could only enjoy the \"Red Hot Rewards of Your Choice\" by registering before 31 October 2022 among your six preferred spending categories of Dining, Overseas and Mainland China Spending, Health & Leisure, Home and Lifestyle for the first HK$100,000 eligible spending","To borrow or not to borrow? 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How to choose between American Express Platinum and Visa Platinum?
When deciding between the American Express Platinum and Visa Platinum cards, it’s crucial to consider several factors to ensure you select the card that aligns best with your needs and preferences. Firstly, assess how you plan to utilize the perks and benefits offered by each card. American Express Platinum may offer exclusive travel and lifestyle benefits and various additional perks, such as access to fine hotels and resort programs and purchase protections. Meanwhile, Visa Platinum cards may focus more on rewards for everyday spending. You should consider whether you would make use of these perks and if they enhance the card’s value for you. Secondly, annual fees and any other fees associated with each card should be taken into account. As mentioned above, American Express Platinum typically comes with higher annual fees compared to Visa Platinum cards, so it’s important to evaluate whether the benefits justify the cost based on your needs. Lastly, individual spending habits and preferences should also be considered. If you frequently travel or dine out, and prioritize luxury lifestyle and experiences, AMEX Platinum cards, which offer higher-end travel benefits and dining perks, may be more beneficial. Conversely, if you prefer flexibility, lower annual fees, and prioritize rewards on everyday spending, a Visa Platinum card may be the better option. Ultimately, it’s essential to choose the card that best suits one’s lifestyle and spending patterns to maximize its value and benefits.
Frequently asked questions about Visa Platinum and American Experess Platinum
1. Are the annual fees worth it for the American Express Platinum cards and Visa Platinum cards?
While the annual fees for Platinum cards are relatively high, many cardholders still find the benefits and perks outweigh the cost, especially if they frequently travel and take advantage of the card’s travel-related and other features. Services such as purchase protection, concierge service and home assistance may be difficult to quantify but may greatly appeal to individual preferences and needs.
2. Do Visa Platinum and American Express Platinum cards both offer complimentary travel insurance coverage?
With AMEX Platinum Credit Card, cardholders and their families can enjoy free travel protection when they use the card to pay for expenses such as airfare, accommodation, or travel packages, while holders of the Platinum Card are automatically entitled to complimentary travel insurance without any spending requirement. As for Visa Platinum cards, it depends on the terms and conditions of individual cards
3. Do American Express Platinum cards offer concierge service?
The Platinum Concierge Service of American Express in Hong Kong was terminated in 2023, but the Platinum Card Service continues to support on local dining reservation, Fine Hotels and Resorts, the Hotel Collection and the International Airline Programme.
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