Airport Lounge Credit Cards 2025 Guide

Travel Offer 

• 【NEW] Enjoy up to HK$4,500 statement credits (designated hotel groups)
  Enjoy a HK$1,500 statement credit upon a single net spend of HK$5,000 at each designated hotel group, once per calendar year. Participating hotel groups include Mandarin Oriental Hotel Group, The Peninsula Hotels worldwide and Club Med resorts. Register all three offers to enjoy up to HK$4,500 statement credits per calendar year.
• [NEW] Asia Golf Club Privileges
  Enjoy complimentary green fees at 60+ designated golf clubs across Asia. Cardmembers must be accompanied by 1 paying companion on weekdays and 2 paying companions on weekends and public holidays. Cardmembers may also book up to two 2-hour Virtual Golf sessions each month. Reservations must be made through Concept Golf Management. Booking details are available in the Amex Experiences App.
• Complimentary Access to The Centurion Lounges
  Enjoy over 1,550 lounges access over the world, and complimentary access to The Centurion Lounge including Hong Kong International Airport, Tokyo Haneda 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$4,300 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 4pm 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.
  *With effect from July 30, 2026, new or revised terms will be added to the Terms and Conditions of American Express Group Travel Insurance Plan for The Platinum Cardmembers (Policy Number: NAC0000012). All claim events, or incidents occurring on or after the Effective Date, insured trips must be paid with an American Express® Card. For details and other changes, please click here.

The Country Club at Hong Lok Yuen Admission Privilege 
Basic Cardmembers of The Platinum Card can enjoy complimentary access to The Country Club at Hong Lok Yuen for 2 times per calendar month upon successful registration through designated link. Promotion details please refer to The Country Club at Hong Lok Yuen Admission Privilege | American Express HK.

[New Benefit for 2026] Enjoy exclusive access to Hong Kong Football Club (HKFC) facilities
Eligible Basic Cardmembers of The Platinum Card with a rolling 6-month spending of HK$50,000 or above at the time of reservation can enjoy complimentary access to the Hong Kong Football Club. Sports facilities may be used free of charge (subject to availability), while dining is available at the Cardmember's own expense. Reservations must be made via the designated hotline and check-in is completed using the QR code in the Amex Experiences App.

New! “Up to 9X” Membership Rewards® points Accelerator Program to earn as low as HK$2 = 1 mile
From now to December 31, 2027, enroll your Platinum Card at designated link to enjoy an exclusive offer of earning as low as HK$2 = 1 Mile for spending in Foreign Currencies, airlines, and at designated travel & everyday spend merchants.

Designated travel merchants include Agoda, Trip.com, Expedia, Booking.com etc. Designated everyday spend merchants include Wellcome, ParknShop, Mannings, Watsons, YATA etc.
Promotion details please refer to “Up to 9X” Membership Rewards points Accelerator Program | American Express HK

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
• 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 Ye shanghai (K11 Musea), Nam Hoi No.2, Deng G, Lotus and Spice (NEW)
  • 20% savings on the original price for access and dining at Penthouse.
  • Promotion details please refer to Elite Concepts l American Express HK
• Enjoy up to 30 % savings on the a la carte menus at selected restaurants of JIA Group, Including 22 Ships (NEW), Duddell’s, Chachawan, Leela, La Terrace by Louise 
  • Promotion details please refer to JIA Group l American Express HK

• 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 260 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 260 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 260 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 Cardmember / American Express Peninsula Platinum Card Basic 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.

• New HSBC Rewards Partners
  Starting from 11 May 2026, HSBC Hong Kong introduce three new mileage and hotel partners, bringing the total number of HSBC Rewards partners to 19, giving customers even more redemption options: 
  • New Travel Partners
    • Hilton (available for EveryMile Card and HSBC Privé only)
    • Hainan Airlines and China Southern Airlines (available for all credit cards, including EveryMile and HSBC Privé)
  • Redemption Rate
    • Preferential redemption rate for all EveryMile cardholders: 1 RC = 20 miles / hotel points 

• 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: Klook, Kkday, KMB, Citybus, First Bus, MTR, Starbucks 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
  • 6 complimentary visits to the Plaza Premium Airport Lounge or free meals at selected airport dining outlets, travel companions enjoy 20% discount on entrance fee

• 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

• 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)

• 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!

• Local Spending: HK$6 = 12 Points, equivalent to HK$6 = 1 mile
• Overseas Spending: HK$4 = 12 Points, equivalent to HK$4 = 1 mile
• Pay annual fee of HK$3,800 every year 
• From the second year onwards, receive 360,000 Points^ every year (equivalent to 30,000 Asia Miles)
  ^Points will be credited to the eligible Principal Cardholder’s account two (2) calendar months after the annual fee has been fully paid.
• Points can redeem cash rebate, vouchers, gifts and airmiles
• Complimentary 4th night at hotels worldwide when you book a minimum 4-consecutive-night stay with Citi Prestige Concierge
• Complimentary access to over 1,500 Priority Pass lounges around the world
• Connects to Citi Prestige Concierge hotline or access the Live Chat function via Citi Mobile® App with multiple languages

• Complementary travel insurance, purchase protection, e-commerce protection insurance and more.

Other things to note

• This MoneyHero Exclusive Offer does not apply to student card or any other promotions or welcome offers.
• Annual fee of HK$3,800 must be paid.
• MoneyHero exclusive offer is 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").
• Each Eligible Cardholder is entitled to one welcome offer only.

• Suitable for customers who have large amount of overseas/foreign currency spending
• 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

• 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.