Platinum Credit Card Comparison
Updated: 18 Aug 2026
A credit card is not just a symbol of status—choosing the right card can also help you earn more frequent flyer miles and cashback. Generally, the higher the card’s tier, the more attractive the rewards and benefits! MoneyHero introduces six must-have premium cards for high-income earners, helping you compare and pick the one that suits you best.
Card | Hot Reward Pick | MoneyHero Reward | Minimum Annual Income | Card Benefit | Annual Fee | ||
|---|---|---|---|---|---|---|---|
 | The Platinum Card® | HK$2,000 | No Requirement | $4.5 - 7.5 per mile | HK$9,500 | ||
 | DBS Eminent Visa Signature Card | HK$5,630 | HK$360,000 | 2 - 5 % | HK$2,000 | ||
 | American Express® Platinum Credit Card | - | HK$1,800 | HK$300,000 | $2.5 - 5 per mile | HK$2,200 | |
 | PrimeCredit WeWa Visa Signature Card | HK$2,000 | HK$240,000 | 10 % | HK$1,500 | ||
 | American Express Explorer® Credit Card | - | HK$300,000 | $1 per mile | HK$2,200 | ||
 | DBS Eminent Visa Platinum Card | HK$5,630 | HK$150,000 | 2 - 5 % | HK$1,800 | ||
 | HSBC Visa Signature Card | HK$1,998 | HK$240,000 | 0.04 - 3.6 % | HK$2,000 |
Minimum Annual Income
No RequirementCard Benefit
$ 4.5 - 7.5 per mileAnnual Fee
HK$ HK$
9,500You’ll also receive the following welcome gift(s) directly from the bank
- Travel insurance
- Dining discount
- Airport lounge
- Travel agency offer
Repayment Details
Minimum Payment: Total spending of that month
Late Payment Charge: 3.9 %
Fees
Annual Fee: HK$9,500
Foreign Currency Transaction Fee: 2 %
Air Miles Conversion Fee: $400
Eligibility
Min. Annual Income: No Requirement
Minimum Age: 18 years old
Key Features
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$9,500 with the entitlement of 2 Supplementary Platinum Cards (annual fee cannot be waived)
- Existing Basic Platinum Cardmember / American Express Peninsula Platinum Card Basic Cardmember and applicants who held the Basic Card of The Platinum Card® / American Express® Peninsula Platinum Card at any time within the past 12 months from the date of this application are not eligible for Welcome Offers.
- The Platinum Card® welcome offer will be ONLY eligible to those who paid the annual fee and account stays active
- Cardmembers who paid the annual fee and holding valid Platinum Card accounts with good standing and not overdue will be eligible for the above Online Bonus and Welcome Bonuses. American Express reserves the right not to offer any bonus of Welcome Rewards to Cardmembers who fail to fulfil the above conditions without prior notice.
Minimum Annual Income
HK$ HK$
360,000Card Benefit
2 - 5 % cashbackAnnual Fee
HK$ HK$
2,000Annual Fee Waiver
First yearApply through MoneyHero and choose from 8 premium rewards
You’ll also receive the following welcome gift(s) directly from the bank
- Dining rebate
- Annual Fee waiver
- Dining discount
Repayment Details
Minimum Payment: If the total outstanding balance is HK$300 or above, the minimum payment will be the sum of the followings: i. all charges, fees, costs, expenses, interests and/or finance charges posted to the current statement of Card Account; ii. any amount in excess of the credit limit incurred after last statement date; and iii. 1% of the statement balance excluding all charges, fees, costs, expenses, interests and/or finance charges posted to the Card Account; or HK$300, whichever is higher plus any outstanding minimum payment. If the total outstanding balance is less than HK$300, the minimum payment will be the total outstanding balance.
Late Payment Charge: If you fail to pay the minimum payment shown on any monthly statement, the rate for finance charge will be adjusted by adding the following applicable Delinquency Adjustment Rate (the ""Adjusted Interest Rate""): Transaction Type i. Cash Advance 4.8% (46.45%) ii. Retail Transaction 4.3% (41.80%*) iii. Merchant Categories of Internet Bill Payment / JET Payment / Bill Payment through Customer Services Hotline: • Banking and Credit Card Services / Credit Card Payment / Credit Services 4.8% (43.69%) • Security Broker 4.3% (43.65%*) • Others 4.3% (41.80%*) The APR of the corresponding Adjusted Interest Rate is shown in brackets. The Adjusted Interest Rate will apply from the day following the date of the monthly statement issued after the occurrence of the delinquency until the full amount or at least the minimum payment is paid on or before the payment due date for 6 consecutive monthly statements.
Interest Free Period: 60 days
Fees
Annual Fee: HK$2,000
Eligibility
Minimum Age: 18 years old
Min. Annual Income: HK$360,000
Key Features
DBS Eminent Card Up to 5% Rebate Programme
- A single net spending of HK$300 or above of 4 designated categories of spending (Dining, Fitness clubs, Sportswear, Medical services) up to 5% rebate (applicable for the first HK$8,000 Eligible Spending in Other Retail Spending in each calendar month)
- Other retail spending up to 1 % rebate (applicable for the first HK$20,000 Eligible Spending in Other Retail Spending in each calendar month)
- Registration in DBS Card+ mobile application is required. Eligible spending will be calculated for rebate according to this program from the next calendar day upon successful registration
- The first HK$5,000 E-Wallet Retail Spending in each calendar month, excluding the thereafter E-Wallet Retail Spending exceeding HK$5,000, will be entitled the reward.
- For details, please visit go.dbs.com/hk-eminent-rebate-en.
Dining Privileges
- Conrad Hong Kong up to 10% off
- Hyatt Regency Hong Kong, Tsim Sha Tsui 15% off
Up to 81% off of Health &Medical Privileges
Subscription Service Extra Welcome Offer of HK$240
- Spend at 5 Service Subscription Categories to get HK$240 “Instant Redeem", click here for details.
Flexi Shopping Eminent Card Exclusive Offer
- 3 times 50% one-off handling fee rebate on medical service spending instalments!
- Offer is bounded by Terms and Conditions. For details, please visit go.dbs.com/hk-fseme
Smartphone Application Guide
- Apply for a DBS Black World Eminent Card 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.
- Through the MoneyHero mobile website credit card offers page, immediately apply for the DBS Black World Mastercard.
- 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.
- 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$50 InstatRedeem from DBS Card+. - DBS Card+ HK app has upgraded with a first-in-market credit card issuance in minutes.
Other things to note
- MoneyHero exclusive offer is only applicable to new applicants who have not owned any DBS cards in the 12 months prior to the date of application for the New Card, have not held and/or cancelled any principal credit cards (including co-branded cards and/or DBS COMPASS VISA) issued by DBS
- Cash Rebate is not applicable to applicants who, during the New Card approval process, have applied for or held any principal DBS Eminent Visa Signature Card and/ or DBS Eminent Visa Platinum Card (formerly named as DBS Visa Platinum Card, DBS Visa Gold Card or DBS Visa Classic Card).
- New Customer must download DBS Card+ Mobile Application (“DBS Card+”), register and activate DBS Card+ account within 2 month of the New Card issuance date in order to be eligible to the Welcome Offer
- DBS iBanking bill payment and transactions in Hong Kong dollars at the point of sales outside Hong Kong are not eligible for earning Cash Rebate.
- Credit card application may not be approved instantly through DBS Card+ for some individual reasons. DBS may request other documents from you, like address proof and income proof, for application approval. The credit card application is subject to DBS’s final approval.
- Terms and Conditions apply. For details, please visit go.dbs.com/hk-eminent
To borrow or not to borrow? Borrow only if you can repay!
Minimum Annual Income
HK$ HK$
300,000Card Benefit
$ 2.5 - 5 per mileAnnual Fee
HK$ HK$
2,200You’ll also receive the following welcome gift(s) directly from the bank
- Dining discount
- Cinema ticketing
- Travel insurance
- Hotel bookings offer
Repayment Details
Minimum Payment: -
Late Payment Charge: 5% of the outstanding minimum payment due (The maximum Late Payment Fee is HK$350 and the minimum Late Payment Fee is HK$300. However, the Late Payment Fee will not exceed the minimum payment due).
Fees
Annual Fee: HK$2,200
Foreign Currency Transaction Fee: 2 %
Air Miles Conversion Fee: $300
Eligibility
Minimum Age: 18 years old
Min. Annual Income: HK$300,000
Key Features
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
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.
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
- Double Membership Rewards points, dining offers and shopping offers are extended until 31 December 2026, with the following changes:
- agnes b. CAFÉ: 30% savings on the à la carte menu for all day consumption.
- S&S Group: 30% savings offer is extended to Platinum G Cardmembers.
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 cook
edDeli in Hong Kong.
Travel Offer
- 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
Card Benefits Terms and conditions apply. Annual fee is HK$2,200 with the entitlement of 2 Supplementary Platinum Credit Cards (annual fee cannot be waived) Existing Cardmembers or applicants who have held the Card at any time within the past 12 months are not eligible for MoneyHero Exclusive Offer and Welcome Offers.
- Existing American Express® Platinum Credit Card Basic Cardmembers and applicants who held American Express® Platinum Credit Card (Basic card) at any time within the past 12 months from the date of this application are not eligible for MoneyHero Exclusive Offer and Welcome Offers.
American Express® Platinum Credit Card welcome offer will be ONLY eligible to those who paid the annual fee and account stays active
Minimum Annual Income
HK$ HK$
240,000Card Benefit
10 %Annual Fee
HK$ HK$
1,500Annual Fee Waiver
First 2 yearsApply through MoneyHero and choose from 1 premium rewards
You’ll also receive the following welcome gift(s) directly from the bank
- Travel agency offer
- Installment
Repayment Details
Interest Free Period: 53 days
Minimum Payment: HK$50 or the aggregate amount of all the following items (whichever is higher): (i) All finance charges and other fees & charges billed; (ii) 1% of statement balance excluding all finance charges and other fees & charges); (iii) Outstanding Minimum Payment Due (when applicable); and (iv) Total over-the-limit amount (when applicable)
Late Payment Charge: HK$320
Fees
Annual Fee: HK$1,500
Foreign Currency Transaction Fee: 1.95 %
Eligibility
Min. Annual Income: HK$240,000
Minimum Age: 18 years old
Key Features
Launch of WeWa Club Enjoy endless offers and jetso
- From now until September 30 2026, enjoy Foreign Currency Transaction Fee Waiver and up to 10% cash rebate with WeWa during your travels.
- Earn up to 4% from The WeWa Pick 1 of 4 Fun Categories (Mobile Payment or Travel Spending or Overseas Spending or Online Entertainment). Of course, you will get even better offers on WeWa Club by becoming a WeWa credit card cardholder and upgrade yourself as a “WePlus” member.
- At WeWa Club, you can:
- Buy amazing things at a good deal
- Enjoy priority booking for concerts or other events
- Enjoy many other offers and jetso!
Enjoy limited-time offers and activities in OmyCard app
- Enjoy WeWa Club limited-time offers through the app. You can buy popular products at a discounted price.
Pay with WeWa Credit Card and enjoy direct cash rebate.
- up to 4% rebate on Mobile Payment or Travel Spending or Overseas Spending or Online Entertainment (select one)(0.4% basic rebate + 3.6% additional rebate)
- 0.4% on other spendings (HK$250 = HK$1 cash rebate)
3-month Interest-free Credit Card Transaction Instalment Plan
- Enjoy waiver on interest rate and handling fee for option of 3 months of Credit Card Transaction Instalment Plan when you apply for the plan via OmyCard App. The plan is applicable to single eligible retail spending of HK$1,500 or above.
Annual fee waiver for the first 2 years; 5 years for student cardholders
Other things to note
- Welcome offers, MoneyHero Welcome Reward are applicable to applicants who are not holding and / or have not held any Credit Card issued by PrimeCredit in the past 12 months.
-
Cardholders must accumulate eligible retail transactions of HK$1,500 or above using their WeWa Credit Card in each calendar month during the Promotion Period to receive a cash rebate of 3.6% on Eligible Retail Transaction of the selected Fun category of that WeWa Credit Card made in that calendar month, the maximum Cash Rebate can be received per WeWa Credit Card in each calendar month during the Promotion Period is HK$200
Minimum Annual Income
HK$ HK$
300,000Card Benefit
$ 1 per mileAnnual Fee
HK$ HK$
2,200Annual Fee Waiver
HK$ HK$
2,200You’ll also receive the following welcome gift(s) directly from the bank
- Enjoy up to 12 complimentary airport lounge visits (also applicable to supplementary cardmembers).^
- A travel essential! Includes travel insurance.
- Earn miles fast! Points never expire and can be redeemed for miles with no handling fees.
- Shopping protection includes return guarantee, 45-day purchase protection, extended warranty, and price protection.
Repayment Details
Minimum Payment: Highest of the following three amounts: (i) 1.5% of outstanding principal plus 100% of Finance Charges, interest, fees (including annual membership fee) and all other applicable charges; or (ii) 4% of your outstanding balance; or (iii) HK$300, plus any overdue minimum payments and any amount exceeding your credit limit.
Late Payment Charge: 5 %
Fees
Annual Fee: HK$2,200
Foreign Currency Transaction Fee: 2 %
Air Miles Conversion Fee: Waived
Eligibility
Minimum Age: 18 years old
Min. Annual Income: HK$300,000
Key Features
-
Earn Membership Rewards points when you spend with the Card. Enjoy as low as HK$2.25 = 1 mile on selected online everyday spend merchants.
Local Currency Spend Click Here and Register:
Basic Points Reward:HK$1 = 3 points (HK$6/mile or 1% cash rebate)
Welcome Offer Points Reward:HK$1 = 6 points (HK$3/mile or 2% cash rebate)[Extra] HK$1 = 3 points, HK$15,000 / Quarter
Foreign Currency Spend HK$1 = up to 10.75 Membership Rewards points (HK$1.68 = 1 mile）
[Extra] HK$4 = 31 points, HK$10,000 / Quarter
- 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 7 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 lounge access: Basic and Supplementary Cardmember(s) of Explorer Credit Card can enjoy a total of up to 12 times complimentary lounge access every calendar year. Click here for details.
- 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.
-
Explorer Overseas & Travel Spend Offer
- From now until December 31, 2026, earn as low as HK$3=1 Mile for HKD spending; earn as low as HK$1.68= Mile for foreign currency spending. There is no minimum spending requirement. Register now!
-
Refer a friend after card approval^ and earn an extra 4,000 miles when their application is successfully approved!
^ Referral rewards are subject to a cap. Effective from 1 September 2026, the annual referral limit of 10 successful referrals per referrer will be revised to a maximum of 5 successful referrals during the period from 1 September to 31 December 2026. Referred applicants must not currently hold, or have cancelled within the 12 months preceding the application date, any principal Credit Card or Charge Card issued by American Express Hong Kong. Subject to the American Express Explorer Credit Card Member Referral Program Terms and Conditions.
-
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.
- Online Fraud Protection Guarantee
-
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
- 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$1 equivalent spent in foreign currencies transactions
Things to know
- Welcome Offer Terms and conditions apply.
-
Cardmembers who are currently holding or applicants who have held or cancelled any approved Basic Credit Card or Charge Card issued by American Express Hong Kong within the past 12 months from the date of this application, are NOT eligible for the Welcome Offer and First Year Annual Fee Waiver. American Express reserves the right to debit the original price of the Welcome Offer and First Year Annual Fee from such Cardmember’s account without prior notice.
- Gift eligibility is based on the application date of the approved application, but not approval date
- First Transaction Bonus is applicable to Basic Cardmembers who submit their Card application online and all required valid documents within 7 working days from the date of application submission.
-
^Based on a maximum of two annual-fee-free supplementary credit cards per American Express Explorer Card account. In each calendar year, upon reaching the specified amount of cumulative eligible spending on the Card Member account, each account may enjoy up to a total of 12 complimentary benefits.
Minimum Annual Income
HK$ HK$
150,000Card Benefit
2 - 5 % cashbackAnnual Fee
HK$ HK$
1,800Annual Fee Waiver
First yearApply through MoneyHero and choose from 8 premium rewards
You’ll also receive the following welcome gift(s) directly from the bank
- Dining rebate
- Annual Fee waiver
- Dining discount
Repayment Details
Minimum Payment: If the total outstanding balance is HK$300 or above, the minimum payment will be the sum of the followings: i. all charges, fees, costs, expenses, interests and/or finance charges posted to the current statement of Card Account; ii. any amount in excess of the credit limit incurred after last statement date; and iii. 1% of the statement balance excluding all charges, fees, costs, expenses, interests and/or finance charges posted to the Card Account; or HK$300, whichever is higher plus any outstanding minimum payment. If the total outstanding balance is less than HK$300, the minimum payment will be the total outstanding balance.
Late Payment Charge: If you fail to pay the minimum payment shown on any monthly statement, the rate for finance charge will be adjusted by adding the following applicable Delinquency Adjustment Rate (the ""Adjusted Interest Rate""): Transaction Type i. Cash Advance 4.8% (46.45%) ii. Retail Transaction 4.3% (41.80%*) iii. Merchant Categories of Internet Bill Payment / JET Payment / Bill Payment through Customer Services Hotline: • Banking and Credit Card Services / Credit Card Payment / Credit Services 4.8% (43.69%) • Security Broker 4.3% (43.65%*) • Others 4.3% (41.80%*) The APR of the corresponding Adjusted Interest Rate is shown in brackets. The Adjusted Interest Rate will apply from the day following the date of the monthly statement issued after the occurrence of the delinquency until the full amount or at least the minimum payment is paid on or before the payment due date for 6 consecutive monthly statements.
Interest Free Period: 60 days
Fees
Annual Fee: HK$1,800
Eligibility
Minimum Age: 18 years old
Min. Annual Income: HK$150,000
Key Features
DBS Eminent Card Up to 5% Rebate Programme
- A single net spending of HK$300 or above of 4 designated categories of spending (Dining, Fitness clubs, Sportswear, Medical services) up to 5% rebate (applicable for the first HK$4,000 Eligible Spending in Other Retail Spending in each calendar month)
- Other retail spending up to 1 % rebate (applicable for the first HK$15,000 Eligible Spending in Other Retail Spending in each calendar month)
- Registration in DBS Card+ mobile application is required. Eligible spending will be calculated for rebate according to this program from the next calendar day upon successful registration
- For details, please visit go.dbs.com/hk-eminent-rebate-en.
Dining Privileges
- Conrad Hong Kong up to 10% off
- Hyatt Regency Hong Kong, Tsim Sha Tsui 15% off
Up to 81% off of Health & Medical Privileges
Subscription Service Extra Welcome Offer of HK$240
- Spend at 5 Service Subscription Categories to get HK$240 “Instant Redeem", click here for details.
Flexi Shopping Eminent Card Exclusive Offer
- 3 times 50% one-off handling fee rebate on medical service spending instalments!
- Offer is bounded by Terms and Conditions. For details, please visit go.dbs.com/hk-fseme
Smartphone Application Guide
- Apply for a DBS Eminent Card 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.
- Through the MoneyHero mobile website credit card offers page, immediately apply for the DBS Black World Mastercard.
- 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.
- 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$50 InstatRedeem from DBS Card+. - DBS Card+ HK app has upgraded with a first-in-market credit card issuance in minutes.
Other things to note
- MoneyHero exclusive offer is only applicable to new applicants who have not owned any DBS cards in the 12 months prior to the date of application for the New Card, have not held and/or cancelled any principal credit cards (including co-branded cards and/or DBS COMPASS VISA) issued by DBS
- Cash Rebate is not applicable to applicants who, during the New Card approval process, have applied for or held any principal DBS Eminent Visa Signature Card and/ or DBS Eminent Visa Platinum Card (formerly named as DBS Visa Platinum Card, DBS Visa Gold Card or DBS Visa Classic Card).
- New Customer must download DBS Card+ Mobile Application (“DBS Card+”), register and activate DBS Card+ account within 2 month of the New Card issuance date in order to be eligible to the Welcome Offer
- DBS iBanking bill payment and transactions in Hong Kong dollars at the point of sales outside Hong Kong are not eligible for earning Cash Rebate.
- Credit card application may not be approved instantly through DBS Card+ for some individual reasons. DBS may request other documents from you, like address proof and income proof, for application approval. The credit card application is subject to DBS’s final approval.
- Terms and Conditions apply. For details, please visit go.dbs.com/hk-eminent
To borrow or not to borrow? Borrow only if you can repay!
Minimum Annual Income
HK$ HK$
240,000Card Benefit
0.04 - 3.6 % cashbackAnnual Fee
HK$ HK$
2,000Annual Fee Waiver
First 2 yearsApply through MoneyHero and choose from 5 premium rewards
You’ll also receive the following welcome gift(s) directly from the bank
- Overseas rebate
- Dining rebate
- Cinema ticketing
- Dining discount
Repayment Details
Minimum Payment: All interest and fees and charges including Annual Membership Fee(s) that may be charged, plus 1% of outstanding principal, plus any overlimit amount (if any) (the minimum amount of Minimum Payment is HK$50).
Late Payment Charge: Minimum Payment Due or HK$230, whichever is lower.
Interest Free Period: 56 days
Fees
Annual Fee: HK$2,000
Foreign Currency Transaction Fee: 1.95 %
Eligibility
Minimum Age: 18 years old
Min. Annual Income: HK$240,000
Key Features
- 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
- New Travel Partners
- Earn up to 3.6% RewardCash rebates
- Allocate an extra 2.4% RewardCash to one spending category, and automatically enjoy an exclusive extra 1.2% RewardCash on all categories of the "Red Hot Rewards of Your Choice programme".
- Emperor Cinemas: buy 1 and get 1 free on regular-priced 2D movie tickets or regular popcorn, or get 10% off regular-priced 3D movie tickets (Mondays to Thursdays); 20% off regular-priced 2D movie tickets (Fridays, Saturdays and Sundays)
- 15% discount at Cafe, Hugo's and The Chinese Restaurant at Hyatt Regency Hotel Tsim Sha Tsui
- Exclusive 24-hour Concierge and emergency services provided by Visa
- First 2 years annual fee waiver
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!
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