Best Air Miles Credit Cards in Hong Kong 2025

Miles will be automatically credited to your Asia Miles membership accounts with no mileage conversion fee

• Up to HK$2 = 1 Asia Mile for eligible spending on Cathay and HK Express
  • Eligible spending includes Cathay flight tickets, shopping and bookings with Cathay Holidays, and HK Express flight tickets and duty-free items.For every HK$8,000 accumulated eligible spending on Cathay and HK Express directly, cardholders can earn: Basic Miles: up to (A)2,000 (HK$4=(A)1 for eligible online spending, HK$6=(A)1 for eligible spending in other categories); and Extra Miles: (A)2,000. Thus, cardholders can earn up to a total of (A)4,000 – equivalent to HK$2=(A)1. Extra Miles offer is valid between 1 April 2024 and 31 December 2024.
• HK$4 = 1 Asia Mile for eligible spending on dining and overseas category
• HK$6 = 1 Asia Mile for eligible spending on other categories

• Hotel, Car Rental and Experience Awards;
• Dining awards or settle bill with miles; and
• Asia Miles Mileage Renewal fee, Mileage Transfer fee and purchase of Asia Miles Gift Miles.

• New clients can enjoy first-year annual fee waiver. Cardholders will enjoy an annual fee waiver on their Cards for a year (beginning from the respective anniversary of the issuance date of their Cards) if they are Priority Banking clients or Premium Banking clients meeting the relevant Minimum Relationship Balance requirement, or payroll account clients.

• New Cardholders are applicants who do not currently hold and have not cancelled any principal card of Standard Chartered Credit Card or MANHATTAN Credit Card issued by Standard Chartered Bank (Hong Kong) Limited in the past 6 months from the date of approval of their current applications for a principal card of the Standard Chartered Credit Cards.
• Transfer/top up transaction from the Card account to any account as designated by Standard Chartered from time to time, including but not limited to, Octopus Wallet, Alipay account, transactions effected through Faster Payment System and other digital payment made through Standard Chartered Online Banking do not count as Eligible Transactions.
• Offers are subject to Terms and conditions
• An Asia Miles Account is required before applying for the Standard Chartered Cathay Mastercard, please click here to redirect to the Asia Miles Account registration page

• Suitable for customers who have large amount of overseas/foreign currency spending
• Points will never expire. No service charge for mileage conversion.
• Up to 12 times complimentary access to airport lounges for every calendar year
  • Cardholders are required to spend HK$5,000 per head within 30 days after the date of each lounge visit
• Free Travel Insurance
  • Pay in full or redeem for flight tickets/accommodation/travel tours with the card, you and your family can enjoy free travel insurance
• Purchase Protection
  • Purchases made with Citi PremierMiles Card will automatically be insured against any damages, loss or theft for up to US$7,600 within 30 days of purchase

• First year annual fee waiver

• This MoneyHero Exclusive Offer does not apply to student cards
• Welcome offers and MoneyHero exclusive offer are only applicable to customers who currently do not hold, have not cancelled or have not held any principal card of Citi Credit Card within the past 12 months from the month of application for the Eligible Card ("New Customer").
• When cardholder reaches total eligible transactions of HK$20,000 or above in one statement cycle, he/she will be awarded 12 Points (1 mile) per HK$3 (or equivalent foreign currency) overseas & online foreign currency transactions posted. If the total Eligible Transactions are below HK$20,000, Cardholders can still enjoy 12 Points (1mile) per HK$4 for overseas & online foreign currency transactions. If the cardholders cannot meet the spending requirement of the complimentary lounges access, they will be charged an entrance fee of HK$250 per cardholder per lounge access. Terms and conditions apply. For details, please click here for more information.

Travel Offer

• 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 American Express Travel Online Benefit | American Express Hong Kong
• Complimentary Access to The Centurion Lounges
  Enjoy over 1,400 lounges access over the world, and complimentary access to The Centurion Lounges including 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, including Park Hyatt Niseko Hanazono, InterContinental Osaka, Grand Hyatt Seoul, Conrad Seoul and Capella Bangkok
• 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$3,000,000, 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

• Global Dining Credit
  Year-round benefit of up to HK$2,000 Global Dining Credit, 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 overseas dining at over 1,400 abroad restaurants and in 20 locations around the world.
  • Promotion details please refer to Global Dining Credit | American Express Hong Kong
• NEW! Enjoy up to 30% savings at selected restaurants of Elite Concepts.
  • 30% savings on the original price of the designated menu at participating restaurants, including yè shanghai – Tsim Sha Tsui/ Admiralty, Nanhai No. 1, Nanhai No. 2, Deng G Sichuan
  • 20% savings on the original price for access and dining at Penthouse.
  • Promotion details please refer to Elite Concepts l American Express HK
• NEW! Enjoy up to 30 % savings on the a la carte menus at selected restaurants of JIA Group, including Chachawan, Duddell’s, La Terrace by Louise and Leela
  • Promotion details please refer to JIA Group l American Express HK

• NEW! Enjoy 30% savings on the original price of the designated dinner menu at participating restaurants of Wooloomooloo Group

  • Designated restaurants include: MOOO! – Tsim Sha Tsui, OMAROO Grill – Central, Wooloomooloo Steakhouse - Tsim Sha Tsui East, Wooloomooloo Steakhouse - Wan Chai and Wooloomooloo Prime – Tsim Sha Tsui
  • Promotion details please refer to Wooloomooloo Group | American Express HK
• 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.
  • Promotion details please refer to Maxim's Dining | American Express HK
• Enjoy up to 40% 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: ANJU, Dim Sum Bar, Cafe Deco Pizzeria, Duan Chun Zhen, Takeroku Ramen, WATERMARK.
  • The list of designated restaurants is subject to change from time to time without prior notice. Please check with the restaurants for details.
  • Promotion details please refer to Cafe Deco | American Express HK
• Enjoy 30% saving on a la carte food and beverages menu for all day dine-in at participating restaurants of S&S Hospitality.

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 Rewardspoints = 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 240 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 Rewardspoints = 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 240 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 Rewardspoints = 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

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 cookedDeli in Hong Kong.

Shopping Protection

• Online Fraud Protection GuaranteeShop online with the Card and you won't be held responsible for any fraudulent charge.
• Return GuaranteeRefund if you are unhappy with the purchase made with the Card.
• Extended WarrantyWhen 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 ProtectionRefund the difference when you see an identical item offered at a cheaper price in Hong Kong within 14 days of your purchase
• 45 Days CoverAlmost 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.

Reminder

• 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
• Cardmembers who paid the annual fee and holding valid Platinum Card accounts with good standing and not overdue will be eligible for the above Online Bonus and Welcome Bonuses. American Express reserves the right not to offer any bonus of Welcome Rewards to Cardmembers who fail to fulfil the above conditions without prior notice.

Smartphone Application Guide

• Apply for a DBS Black World Mastercard through the MoneyHero mobile website to earn exclusive welcome offers plus an additional HK$50 InstatRedeem from DBS Card+. For details, please visit DBS website.

1. Through the MoneyHero mobile website credit card offers page, immediately apply for the DBS Black World Mastercard.
2. After filling out your email, directly access the pop-out App Store / Google Play Store page to download and open the DBS Card+ HK app.
3. Directly apply for the specified DBS credit card within the app, and check your email inbox to fill out the reward claim form.

• If you want to continue applying through the desktop website:
  After accessing the bank's official website through MoneyHero, please use the "New Customer" column "Apply Now" red button to apply. This makes it easier to successfully track your MoneyHero exclusive offer application details, but you may not be able to get the additional HK$50 InstatRedeem from DBS Card+.

Suitable for customers who loves travelling

As low as HK$2=1mile and worldwide travel privileges

• Register via DBS Card+ app now to enjoy the following privileges upon accumulating a retail spending of HK$20,000 or above from the next calendar day after successful registration in a certain calendar month to enjoy Eligible Overseas Spending as low as HK$2 = 1 Mile. For details, please visit DBS website

Enjoy full year travel privileges 

• Up to 8% off on hotel booking offer from Expedia.com
• Up to 8% off on hotel booking offer from Hotels.com

Flexi Shopping Black World Mastercard® Exclusive Offer

• 3 times 50% one-off handling fee rebate on travel merchant spending instalments!
• Offer is bounded by Terms and Conditions. For details, please visit go.dbs.com/hk-fsbmce.

InstaRedeem 20% off on Online / Travel Merchant Spending

• Offset your online spending or spending at travel merchants with DBS$ with just a few taps!

• Redeem air miles or travel rewards with DBS$. No expiry date and redemption fee for DBS$.

  • Redeem flight from Asia Miles, Avios, KrisFlyer & PhoenixMiles at any time; Asia Miles can be converted instantly and shall be credited to your mileage account instantly.
  • Exclusive offers of 45% off when redeeming travel rewards with DBS$ from iGO Rewards.

• Unlimited Cash Rebate Redemption
  • DBS Black World Mastercard® Cardholder can redeem Cash Rebate at DBS$80 to HK$100 during Promotion Period. Without any spending requirement and limit on redemption quantity.
  • Login to DBS Card+ > Select "Rewards" > Select "eSHOP" > Select applicable credit card > Select "20% Off Cash Rebate Redemption Promotion" > Select redemption quantity > Click "Buy Now" to complete redemption procedure

Other things to note

• MoneyHero exclusive offer is only applicable to new applicants who have not owned any DBS cards in the 12 months prior to the date of application for the New Card, have not held and/or cancelled any principal credit cards (including co-branded cards) issued by DBS.
• DBS iBanking bill payment and transactions in Hong Kong dollars at the point of sales outside Hong Kong are not eligible for earning DBS$.
• Terms and Conditions apply. For details, please visit go.dbs.com/hk-blackcard-mc.

• To borrow or not to borrow? Borrow only if you can repay!

• Introducing the all-new Mox Credit "MOXMHMILES" miles-earning code!
• Seamlessly earn an unbeatable HKD4 = 1 Asia Mile on all your spending with Mox Credit's Miles Rewards Scheme, so you can earn faster and fly sooner. Plus, enjoy 0% FX Fees, making every purchase count, whether at home or abroad!
• Break free from traditional credit card rewards scheme. With Mox Credit you can switch between CashBack and Miles Rewards scheme with ease, putting you in control of how you earn.
• Enjoy HKD4 = 1 Mile on all spending
• Unlimited Miles, Unlimited Trips.
• There's no limits on the number of miles you can earn – spend more, earn more!
• 0% FX Fees: Same great rates at home and abroad!
• Enjoy 0% FX Fees on all transactions worldwide.
• Save effortlessly on overseas trips and online purchases.
• Want to earn CaskBack instead? You can switch your spending reward mode to “CashBack” via Mox app, and start earning “best-in-town” 2% unlimited CashBack on any spending!

New customers can only use one invitation code to open an account and enjoy the welcome offer

Mox Credit transfer limit is customized every month to facilitate daily transfers

• Mox Credit's personalized transfer amount is customized every month. Transfer money through Mox Credit using "FPS", which is convenient, fast and convenient.

• For daily bank transfers to relatives and friends, rent payments, tuition and miscellaneous fees, shopping and other services, you only need to use the "FPS" transfer function or bank transfer function through Mox Credit in the Mox app, and you can enjoy it with just one click. Interest-free repayment period of 56 days. You can also set up a "repeat payment" instruction to never miss any payment days again.

• If the total monthly transfer amount exceeds your personalized transfer limit, you only need to pay a handling fee of up to 2% for the transfer amount exceeding this limit. If you want to check your personalized transfer amount and handling fee, just log in to the Mox app and you can see it at a glance

Mox Credit - Full-featured No-Number Bank Card

• Use "FPS" via Mox Credit to transfer the amount first and then find the amount.

• One Mox Credit has both consumption and withdrawal functions

• No card number design, the physical card will not be printed with the card number, expiration date or CVV verification code, reducing the risk of data theft

• You can lock, unlock, set daily limits and change ATM passwords for Mox Credit through the Mox app. Even if you lose your physical card, you can reduce the risk of it being stolen.

• Free use of "JETCO" ATM cash withdrawals

No annual fee

• “Best-in-town” refers to the comparison against 27 credit cards in Hong Kong regarding unlimited cash rebate as published on official website as of 8 March 2024.
• Mox Credit Card delivers best-in-town rewards offer of its kind as it is the only credit card in Hong Kong that provides the combination of HKD4 spending for 1 Asia Miles for all spending categories, 0% foreign exchange fee, and no cap for these offers. Compared against 5 mileage-focused credit cards in Hong Kong as published on official websites as of 18 October 2024. Promotional rates are not included in the comparison.
• FX Fees refer to the Foreign Exchange Handling Fee and the Cross-Border Access Fee. 0% Foreign Currencies and Overseas Merchant Spending Fees Promotion Terms and Conditions apply (which can be found in the Mox app and/or on its website).
• Terms and conditions apply. To borrow or not to borrow! Only borrow if you can repay!

The charges for Mox Credit spending installments will be updated from time to time. For details, please refer to the Summary of Spending Installment Product Information. The actual annual interest rate of the spending installment is calculated based on the guidelines set out in the Bank's Code of Practice. The actual annual interest rate is a reference interest rate that displays all applicable basic interest rates, fees and charges for Mox Credit purchase installments as an annualized rate.

• You must first open a Mox account to apply for Mox Credit

• Applicants for Mox account must be 18 years old or above, hold a valid Hong Kong resident identity card, and have a valid Hong Kong residential address and mailing address

• Subject to Mox disclaimer.

• Terms and conditions apply. To borrow or not to borrow! Only borrow if you can repay!

• Enjoy an “Interest-free Payment Holiday” for the first two months

  • You do not need to repay the first 2-month’s statement balances without finance charge or late charge to enjoy financial flexibility (for new credit card customers and upon physical card activation within the first 60 days of card issuance. No registration is required).

• HK$2 spent = 1 mile on designated everyday spend; HK$5 spent = 1 mile on local purchases

  Designated merchants include: Netflix, Disney+, Citybus, First Bus, Caltex, TenRen’s Tea, eCup, MOOV and etc. (complete full merchant list)

• First year annual fee waiver

• Use your RewardCash to redeem amazing rewards or miles / points at 15+ frequent flyer and hotel loyalty programmes, including Aeroplan, Asia Miles™, British Airways Executive Club Avios, Singapore Airlines KrisFlyer, Emirates Skywards, Finnair Plus, Infinity MileageLands etc.
  • Please refer to HSBC website for the complete list of flyer and hotel loyalty programmes.

• Lounge Access
  • Jan - Dec 2025: 6 complimentary visits to the Plaza Premium Airport Lounge or free meals at selected airport dining outlets
    • Customers are required to spend HK$4,000 or above within 60 days after access to the lounge/ enjoy the meal
    • If not the spending target cannot be fulfilled, customers will be charged with HK$250
    • Terms and Conditions apply

• Insurance and concierge benefits

  • Protect yourself and accompanying family members with our complimentary multi-trip travel insurance, which also covers baggage and personal effects and trip cancellation. T&Cs apply

• Visa concierge services

• Now, you can pay credit card bills of other banks with your HSBC credit card – simplify your credit card repayment by consolidating all payments to your HSBC credit card. You can settle your outstanding balances conveniently in just a few taps, with a 1% bill payment handling fee (minimum HKD120).
• Earn miles on designated everyday and travel spends. Every HK$2 spent is worth 1 mile(at selected cafés & light meals, local transportation, cross-border transportation and travel services)—see our full merchant list (PDF)
• Up to 10% off on bookings at Trip.com: Enjoy 10% off worldwide hotel booking, 3% off flight ticket purchases and 2% off bundled flight and hotel bookings through Trip.com. T&C applies
• Flexible RewardCash conversion
  • Use the Reward+ App to convert your RewardCash at a preferential rate to miles or points across over 15 frequent flyer and hotel loyalty programmes, or redeem free tickets from over 110 airlines—the widest flight redemption coverage in Hong Kong. See our list of partners
    

Other things to note

• The Welcome Offer is not applicable to applicants who have cancelled any HSBC personal primary credit card in the past 12 months from the date of approval of the eligible credit card

• To borrow or not to borrow? Borrow only if you can repay!

• Earn Membership Rewards points when you spend with the Card. Enjoy as low as HK$3.6 = 1 mile on selected online everyday spend merchants.

  Local Currency Spend	HK$1 = 3 Membership Rewards points (HK$6 = 1 mile / 1% cash rebate）
  Foreign Currency Spend	Click Here and Register: HK$1 = up to 10.75 Membership Rewards points (HK$1.68 = 1 mile）
  Airlines and Selected Online Travel and Everyday Spend Merchants Include: Trip.com, klook, Expedia, hotels.com,etc., Cathay Pacific Airlines, Japan Airlines, Eva Air, Finnair, Hong Kong Airlines, Emirates and MORE	Click Here and Register: You can earn up to 10.75 points when making purchases through airlines or designated travel websites (such as trip.com, klook, etc.) (HK$1.68 = 1 mile)

  • Conversion rate is based on 30,000 points to redeem HK$100 cash vouchers/Pay with Points and 18 points to redeem 1 mile.

• No expiry dates for Membership Rewards points. You can transfer your points to redeem diversified rewards.

  • You can transfer your points into 8 air miles partners with no administration fee. Partners include Asia Miles, Avios, ANA, KrisFlyer and more.
  • You can also redeem cash voucher, Pay with Points, Travel with Points, hotel points (Hilton Honors、Marriot Bonvoy), lifestyle gifts and more.

• Travel Privileges - take care of your travel needs

  • Complimentary Plaza Premium Lounge Access: Basic and Supplementary Cardmember of American Express Explorer Credit Card can enjoy a total of 8 times complimentary Plaza Premium Lounge access every calendar year.
  • Complimentary Travel Insurance: Pay for your entire fare for an overseas trip with the Card to enjoy complimentary travel insurance. Coverages include travel accident insurance with coverage up to HK$3.5 million and travel inconvenience protection with coverage up to HK$10,000 per year.

• Register for Travel Spending Offer

  • From now until December 31, 2025, register for the travel spending offer to earn miles as low as HK$1.68 = 1 mile. This is equivalent to earning up to 10.75 American Express Membership Rewards points for every HK$1 spent in eligible foreign currency transactions, airline purchases, or designated travel website spending.

• 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.

• Entertainment and Shopping Privileges

  • 10% savings on 4DX, 3D, 2D and IMAX regular priced movie tickets at Broadway Circuit in Hong Kong.

• First year annual fee waiver upon successful card application
  • Spend HK$150,000 annually with the principal and any supplementary card(s) and your HK$2,200 annual card fee will be waived for the following year.
• Travel Spend Offer
  • From now until June 30, 2025, enroll to earn as low as HK$1.68 = 1 mile on Travel Spend Offer, equivalent to up to 10.75 Membership Rewards points for every HK$1 equivalent spent in foreign currencies transactions, airlines or selected online travel merchants

Things to know

• Welcome Offer Terms and conditions apply.

• Cardmembers who are currently holding or applicants who have held or cancelled any approved Basic Credit Card or Charge Card issued by American Express Hong Kong within the past 12 months from the date of this application, are NOT eligible for the Welcome Offer and First Year Annual Fee Waiver. American Express reserves the right to debit the original price of the Welcome Offer and First Year Annual Fee from such Cardmember’s account without prior notice.

  • Gift eligibility is based on the application date of the approved application, but not approval date 
• First Transaction Bonus is applicable to Basic Cardmembers who submit their Card application online and all required valid documents within 7 working days from the date of application submission.

• Cardmembers are required to register through the Online Banking or CCB (HK&MO) Mobile App during Promotion Period once only. Posted transactions with original sales slip or official payment record conducted in currency other than in Hong Kong Dollars made by Eligible Cards will receive will receive 10 times bonus point rewards (10 times bonus point reward has included the basic bonus points given under Bonus Points Reward Programme). 25,000 points = HK$100 cash rebate.
• Cardmembers are required to register through the Online Banking or CCB (HK&MO) Mobile App during Promotion Period once only. Posted transactions with original sales slip or official payment record conducted in currency other than in Hong Kong Dollars made by Eligible Cards will receive 5 times bonus point rewards (5 times bonus point reward has included the basic bonus points given under Bonus Points Reward Programme). 25,000 points = HK$100 cash rebate.
• 15 points = 1 mile

• The redemption fee for the first 10,000 miles of each Asia Miles redemption is HKD100, and HKD50 for every subsequent 5,000 miles (HKD50 will also be charged if the redemption amount is less than 5,000 miles) of the same redemption. The maximum redemption fee for a single redemption is HKD300.

To borrow or not to borrow? Borrow only if you can repay!

Earn rewards when you spend with the Card

• First HK$120,000 spending within first 3 months - HK$1 = 5 Membership Rewards points
  • Take American Express Pay with Points Redemption Rate 300 Membership Rewards points = HK$1 as an example. The cashback rate is 1.67%.
  • Take 18 Membership Reward points = 1 Asia Mile as an example. The air miles conversion rate is HK$3.6 = 1 mile.
• First HK$120,000 charged and billed during each Program Period - HK$1 = 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%.
  • Take 18 Membership Reward points = 1 Asia Mile as an example. The air miles conversion rate is HK$6 = 1 mile.
• The spending from HK$120,001 and onwards during each Program Period - HK$1 = 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%.
  • Take 18 Membership Reward points = 1 Asia Mile as an example. The air miles conversion rate is HK$18 = 1 mile.
• All spending requirement above applicable to local retails, dining and online shopping; foreign currency shopping
• Shop online or in a store at selected merchants, you’ll earn double Membership Rewards points. First HK$120,000 spending
  during each Program Period - HK$1 = 6 Membership Rewards points
  • Take American Express Pay with Points Redemption Rate 300 Membership Rewards points = HK$1 as an example. The cashback rate is 2%.
  • Take 18 Membership Reward points = 1 Asia Mile as an example. The air miles conversion rate is HK$3 = 1 mile.
  • Including but not limited to Circle K Convenience Stores, city’super, DON DON DONKI, Mannings, PARKnSHOP, SOGO supermarket, Watsons, Wellcome, YATA supermarkets, Esso stations (earn up to an extra 30,000 Membership Rewards points in total per calendar month)
  • Learn more Merchant list

• 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.

Dining Offer
Basic and Supplementary Cardmember can enjoy

• Enjoy up to 40% savings at designated restaurants of Maxim’s Chinese Cuisine, Western Restaurants and m.a.x. concepts on the à la carte dinner menus.
  • Promotion details please refer to Maxim's Dining | American Express HK
• Enjoy up to 40% 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: ANJU, Dim Sum Bar, Cafe Deco Pizzeria, Duan Chun Zhen, Takeroku Ramen, WATERMARK.
  • The list of designated restaurants is subject to change from time to time without prior notice. Please check with the restaurants for details.
  • Promotion details please refer to Cafe Deco | American Express HK
• Buy 1 Get 1 Free at designated restaurants of agnes b, and up to 30% off on 5.5" whole cake with at least 3-day advance order.

Lifestyle Offer

• Buy-1-Get-1-Free tickets offer will only 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, city'super EKI, LOG-ON and cookedDeli in Hong Kong.

• Enjoy 3X Membership Rewards points on the first HK$120,000 spending (as low as HK$5 = 1 mile)
• Enjoy 8% savings on selected hotel booking all year round at Expedia

• Existing American Express® Platinum Credit Card Basic Cardmembers and applicants who held American Express® Platinum Credit Card (Basic card) at any time within the past 12 months from the date of this application are not eligible for MoneyHero Exclusive Offer and Welcome Offers.