Best American Express Credit Cards in Hong Kong

After closely researching every Amex credit card available in Hong Kong, we’ve identified the cards that offer the best rewards and categorized them to match your lifestyle. We’ve detailed the benefits and perks of the best American Express cards for air miles, cashback rewards and high income earners.

Best American Express Miles Cards
Best American Express Cashback Cards
Best High Income American Express Cards

Compare Best Cashback Credit Cards by Dollar Value

Based on an average monthly spend of HK$12,000, we analysed the best cash rebate credit cards on the market to estimate returned value-to-consumer after 2 years, accounting for rebates and netting out annual fees. As a note, dollar value is heavily dependent on spending habits; intangible benefits (like free travel insurance and airport lounge access) are valuable but difficult to quantify.

A graph displaying how best amex credit cards compare to one another in terms of their rewards
Best American Express Credit Cards in Hong Kong by Estimated 2-Year Dollar Value
Best American Express Miles Cards Best American Express Cashback Cards Best High Income American Express Cards

Compare Best Cashback Credit Cards by Dollar Value

Based on an average monthly spend of HK$12,000, we analysed the best cash rebate credit cards on the market to estimate returned value-to-consumer after 2 years, accounting for rebates and netting out annual fees. As a note, dollar value is heavily dependent on spending habits; intangible benefits (like free travel insurance and airport lounge access) are valuable but difficult to quantify.

A graph displaying how best amex credit cards compare to one another in terms of their rewards
Best American Express Credit Cards in Hong Kong by Estimated 2-Year Dollar Value

Best American Express Miles Cards

These American Express credit cards offer great miles rates across all of your spend plus boosted rewards for overseas transactions. The American Express Cathay Pacific cards stand out for their exceptional miles rewards for reserving flights with Cathay Pacific Airways. However, buying flights with other airlines will not result in elevated rewards.

American Express Cathay Pacific Credit Card: Rapid Miles for Cathay Pacific Loyalists

  • 0.25 miles/HK$1 spend on Cathay Pacific flights
  • Promotions: Receive 3k miles w/ HK$3k spend in 1st 3mo
  • Earn 0.333 miles per HK$1 overseas spend in 1st 3mo
  • Earn 0.200 miles per HK$1 local spend in 1st 3mo
  • Receive 1k miles for online application
  • Read Our Full Review
American Express Cathay Pacific Credit Card is a great choice for consumers looking for solid miles rates on their everyday spend. The 0.125 miles per HK$1 general spend is significantly higher than the market average of 0.067, and frequent travellers will receive extra rewards from the card’s boosted rate of 0.188 miles on overseas purchases.


If you are a Cathay Pacific loyalist, this card is an especially good choice for you. Consumers will earn 0.250 miles per HK$1 spend on Cathay Pacific bookings-one of the highest rates on airline transactions on the market. However, if you tend to shop between airlines, you may want to consider a card like Standard Chartered Asia Miles or BEA Flyer World Mastercard which offer elevated rewards for spending with a variety of airlines.

With an HK$150,000 income requirement and a low HK$980 annual fee with a 1-Year waiver and the option to extend, American Express Cathay Pacific Credit Card is an accessible choice for most consumers. Cardholders are also granted 2 free lounge visits per year and free basic travel insurance. Overall, this card is a great choice if you are a frequent Cathay Pacific flyer looking for impressive miles rates on your everyday spend.

  • Annual fee: HK$980, 1st yr waiver
  • Subsequently waived w/ HK$100k spend or with Marco Polo Club Silver tier membership
  • Min. Salary: HK$150k
  • 0.400 miles per HK$1 Cathay Pacific inflight sales (minimum net purchase of HK$500)
  • 0.250 miles per HK$1 Cathay Pacific flight spend, 0.188 overseas & 0.125 local
  • 2 free Plaza Premium lounge visits/yr
  • Waived enrolment fees for Marco Polo Club Green tier membership
  • Stand-Out: 0.25 miles/HK$1 spend on Cathay Pacific flights
  • Promotions: Receive 3k miles w/ HK$3k spend in 1st 3mo
  • Earn 0.333 miles per HK$1 overseas spend in 1st 3mo
  • Earn 0.200 miles per HK$1 local spend in 1st 3mo
  • Receive 1k miles for online application
  • Read Our Full Review
American Express Cathay Pacific Credit Card American Express Cathay Pacific Credit Card is a great choice for consumers looking for solid miles rates on their everyday spend. The 0.125 miles per HK$1 general spend is significantly higher than the market average of 0.067, and frequent travellers will receive extra rewards from the card’s boosted rate of 0.188 miles on overseas purchases.


If you are a Cathay Pacific loyalist, this card is an especially good choice for you. Consumers will earn 0.250 miles per HK$1 spend on Cathay Pacific bookings-one of the highest rates on airline transactions on the market. However, if you tend to shop between airlines, you may want to consider a card like Standard Chartered Asia Miles or BEA Flyer World Mastercard which offer elevated rewards for spending with a variety of airlines.

With an HK$150,000 income requirement and a low HK$980 annual fee with a 1-Year waiver and the option to extend, American Express Cathay Pacific Credit Card is an accessible choice for most consumers. Cardholders are also granted 2 free lounge visits per year and free basic travel insurance. Overall, this card is a great choice if you are a frequent Cathay Pacific flyer looking for impressive miles rates on your everyday spend.

  • Annual fee: HK$980, 1st yr waiver
  • Subsequently waived w/ HK$100k spend or with Marco Polo Club Silver tier membership
  • Min. Salary: HK$150k
  • 0.400 miles per HK$1 Cathay Pacific inflight sales (minimum net purchase of HK$500)
  • 0.250 miles per HK$1 Cathay Pacific flight spend, 0.188 overseas & 0.125 local
  • 2 free Plaza Premium lounge visits/yr
  • Waived enrolment fees for Marco Polo Club Green tier membership

American Express Cathay Pacific Elite Credit Card: Limitless Lounge Visits for Cathay Pacific Flyers

  • 10 free lounge visits/yr at HKIA
  • Promotions: Receive 5k miles w/ HK$5k spend in 1st 3mo
  • Earn 0.333 miles per HK$1 overseas spend in 1st 3mo
  • Earn 0.200 miles per HK$1 local spend in 1st 3mo
  • Receive 1k miles for online application
  • Read Our Full Review
Cathay Pacific loyalists with a high income should definitely consider American Express Cathay Pacific Elite Credit Card. This card earns 0.333 miles per HK$1 spend on Cathay Pacific bookings, the highest rewards rate for airline transactions on the market. Additionally, the miles rate for the elite Cathay Pacific card is 0.167 miles per HK$1 local spend and 0.250 miles per HKD for purchases in foreign currency, a substantial increase over the non-elite version.


While American Express Cathay Pacific Elite Credit Card offers top miles rewards on general and overseas spend, the HK$300,000 income requirement and high annual fee put it out of reach for many consumers. Like the non-elite Cathay Pacific card, this card also provides limited rewards for shopping with other airlines, and while the 10 lounge visits granted to consumers per year is a nice perk, other cards offer a more diverse range of features like discounted flights and limo service.

Overall, if you are someone with a high salary looking for excellent miles rewards on your spend, American Express Cathay Pacific Elite Credit Card may be a good option for you.

  • Min. Salary: HK$300k
  • Annual fee: HK$1.8k, 1st yr waiver
  • Subsequently waived w/ HK$150k spend/yr or with Marco Polo Club Silver tier membership
  • 0.333 miles per HK$1 Cathay Pacific flight spend
  • 0.250 miles overseas
  • 0.167 miles local
  • 10 free Plaza Premium Lounge visits per year
  • Waived enrolment fees for Marco Polo Club Green tier membership
  • Stand-Out: 2% unlimited rebate on global dining, hotels & overseas spendNo service charge on miles conversion + 12 free lounge visitsUnltd. free lounge & 20k annual bonus miles Top miles w/ popular merchants & on telecom bills Dual Octopus functionality, auto-rebates on top-upsTop miles rewards and travel perksUnltd. 1.5% on general spend, 2% overseas0.067 miles/HK$1 on all spend
  • Promotions: Receive 5k miles w/ HK$5k spend in 1st 3mo
  • Earn 0.333 miles per HK$1 overseas spend in 1st 3mo
  • Earn 0.200 miles per HK$1 local spend in 1st 3mo
  • Receive 1k miles for online application
  • Read Our Full Review
Cathay Pacific loyalists with a high income should definitely consider American Express Cathay Pacific Elite Credit Card. This card earns 0.333 miles per HK$1 spend on Cathay Pacific bookings, the highest rewards rate for airline transactions on the market. Additionally, the miles rate for the elite Cathay Pacific card is 0.167 miles per HK$1 local spend and 0.250 miles per HKD for purchases in foreign currency, a substantial increase over the non-elite version.


While American Express Cathay Pacific Elite Credit Card offers top miles rewards on general and overseas spend, the HK$300,000 income requirement and high annual fee put it out of reach for many consumers. Like the non-elite Cathay Pacific card, this card also provides limited rewards for shopping with other airlines, and while the 10 lounge visits granted to consumers per year is a nice perk, other cards offer a more diverse range of features like discounted flights and limo service.

Overall, if you are someone with a high salary looking for excellent miles rewards on your spend, American Express Cathay Pacific Elite Credit Card may be a good option for you.

  • Min. Salary: HK$300k
  • Annual fee: HK$1.8k, 1st yr waiver
  • Subsequently waived w/ HK$150k spend/yr or with Marco Polo Club Silver tier membership
  • 0.333 miles per HK$1 Cathay Pacific flight spend
  • 0.250 miles overseas
  • 0.167 miles local
  • 10 free Plaza Premium Lounge visits per year
  • Waived enrolment fees for Marco Polo Club Green tier membership

American Express Gold Credit Card: Solid Miles Rebate on First HK$160k Spend

  • 0.133 miles/HK$1 general spend & movie deals
For consumers with a moderate budget, American Express Gold Credit Card offers competitive miles rates on general spend. By enrolling in the Membership Rewards Turbo Program, cardholders earn 0.133 miles per HK$1 spend for the first HK$160,000 of purchases , significantly higher than the market average rate of 0.067. In addition, American Express Gold Credit Card’s HK$150,000 minimum income requirement is around the average salary in Hong Kong, making it an accessible choice for many consumers.


However, the yearly HK$240 fee for enrollment in the Turbo Rewards program cuts into the benefits of this card, and without enrollment in this program the card’s benefits lag behind its competitors. In addition, the miles earned per HK$1 spend drops to 0.067 after your first HK$160,000 in transactions. This means higher spenders may want to consider choices that don't cap miles rewards, like the American Express Cathay Pacific cards.

  • Min. Salary: HK$150k
  • Annual fee: HK$600; 1-Year waiver, 2nd yr waived w/ HK$24K annual spend
  • Turbo rate of 2 points per HKD (0.133 miles rate ) on first HK$160K, afterwards receives 1 point per HKD (0.067 miles rate)
  • 10% savings on tickets at Broadway Circuit and AMC Pacific Place Cinemas
  • Stand-Out: 0.133 miles/HK$1 general spend & movie deals
For consumers with a moderate budget, American Express Gold Credit Card offers competitive miles rates on general spend. By enrolling in the Membership Rewards Turbo Program, cardholders earn 0.133 miles per HK$1 spend for the first HK$160,000 of purchases , significantly higher than the market average rate of 0.067. In addition, American Express Gold Credit Card’s HK$150,000 minimum income requirement is around the average salary in Hong Kong, making it an accessible choice for many consumers.


However, the yearly HK$240 fee for enrollment in the Turbo Rewards program cuts into the benefits of this card, and without enrollment in this program the card’s benefits lag behind its competitors. In addition, the miles earned per HK$1 spend drops to 0.067 after your first HK$160,000 in transactions. This means higher spenders may want to consider choices that don't cap miles rewards, like the American Express Cathay Pacific cards.

  • Min. Salary: HK$150k
  • Annual fee: HK$600; 1-Year waiver, 2nd yr waived w/ HK$24K annual spend
  • Turbo rate of 2 points per HKD (0.133 miles rate ) on first HK$160K, afterwards receives 1 point per HKD (0.067 miles rate)
  • 10% savings on tickets at Broadway Circuit and AMC Pacific Place Cinemas

Best American Express Cashback Cards

Both of these American Express cards offer 1.2% cashback on general spend, and the HK$150,000 minimum salary requirement is affordable for many consumers. While there are other issuers that offer higher rewards in specific spending categories, these Amex cards stand out for having no caps on cashback and offering simple rewards for purchases across categories.

Blue Cash Credit Card from American Express: Flat Cashback for Shoppers

  • High 1.2% flat rebate + 0% interest instalment plan
  • Promotions: Receive HK$500 cashback w/ HK$6k spend in 1st 2mo
  • Receive 2 free movie tickets (HK$230 value) w/ online application
  • Read Our Full Review
Blue Cash Credit Card from American Express offers consumers no hassle, flat cashback on all of their purchases. The 1.2% rebate on general spend is well above the market average and is great if you want easy to achieve cashback without worrying about rewards caps or shopping with specific merchants.


This card is also a good choice if you are looking to make payments in installments without worrying about high interest rates. Blue Cash Credit Card from American Express offers interest-free installment plans with over 150 merchants, including salons, electronics stores, jewelers and more.

While this card offers a solid cashback rate, other cards like CBC Horoscope UnionPay Dual Currency Diamond card offer a higher rate of 1.5%, though it’s annual fee waiver is more difficult to qualify for. Additionally, shoppers who keep track of their budget and use their cards for more specific purchases can earn better rewards with a different card. Altogether, if you are looking for an affordable card with uncapped cashback across all your spending, you should consider Blue Cash Credit Card from American Express.

  • Min. Salary: HK$150,000
  • Annual fee: HK$980, waived for first year; waived for the following year by spending HK$25,000
  • 0% interest instalment plans available w/ select merchants
  • 45 Days Cover personal property insurance (up to HK$30k)
  • Online Fraud Protection Guarantee
  • Stand-Out: High 1.2% flat rebate + 0% interest instalment plan
  • Promotions: Receive HK$500 cashback w/ HK$6k spend in 1st 2mo
  • Receive 2 free movie tickets (HK$230 value) w/ online application
  • Read Our Full Review
Blue Cash Credit Card from American Express offers consumers no hassle, flat cashback on all of their purchases. The 1.2% rebate on general spend is well above the market average and is great if you want easy to achieve cashback without worrying about rewards caps or shopping with specific merchants.


This card is also a good choice if you are looking to make payments in installments without worrying about high interest rates. Blue Cash Credit Card from American Express offers interest-free installment plans with over 150 merchants, including salons, electronics stores, jewelers and more.

While this card offers a solid cashback rate, other cards like CBC Horoscope UnionPay Dual Currency Diamond card offer a higher rate of 1.5%, though it’s annual fee waiver is more difficult to qualify for. Additionally, shoppers who keep track of their budget and use their cards for more specific purchases can earn better rewards with a different card. Altogether, if you are looking for an affordable card with uncapped cashback across all your spending, you should consider Blue Cash Credit Card from American Express.

  • Min. Salary: HK$150,000
  • Annual fee: HK$980, waived for first year; waived for the following year by spending HK$25,000
  • 0% interest instalment plans available w/ select merchants
  • 45 Days Cover personal property insurance (up to HK$30k)
  • Online Fraud Protection Guarantee

American Express I.T Cashback Card: Exclusive Shopping Discounts

  • 2% cashback at I.T & exclusive store discounts
  • Promotions: Receive HK$500 I.T gift certificate w/ HK$4k spend in 1st 2mo
  • Receive 2 free movie tickets (HK$230 value) w/ online application
  • Read Our Full Review
Brand loyal fashion shoppers should definitely consider American Express I.T Cashback Card. Cardholders earn an impressive 1.2% cashback on their general spend, boosted to 2% on purchases at fashion chain I.T. In addition to these rebates, shoppers receive 12% off regular-priced items and 15% if they qualify for the fashion conglomerate’s VIP program (HK$200k spent at I.T over 3 months).


While this Amex card offers excellent rewards for shopping at I.T and a general cashback rate that’s 3x higher than the market average, fashionistas who buy across brands or who tend to spend in different categories might prefer a different option. Altogether, this is one of the best branded cashback credit cards on the market.

  • Min. Salary: HK$150,000
  • Annual fee: HK$980, waived for first year; waived for the following year by spending HK$25,000 annually
  • 0% int. instalment plans w/ select merchants
  • 45 Days Cover personal property insurance
  • Stand-Out: 2% cashback at I.T & exclusive store discounts
  • Promotions: Receive HK$500 I.T gift certificate w/ HK$4k spend in 1st 2mo
  • Receive 2 free movie tickets (HK$230 value) w/ online application
  • Read Our Full Review
Brand loyal fashion shoppers should definitely consider American Express I.T Cashback Card. Cardholders earn an impressive 1.2% cashback on their general spend, boosted to 2% on purchases at fashion chain I.T. In addition to these rebates, shoppers receive 12% off regular-priced items and 15% if they qualify for the fashion conglomerate’s VIP program (HK$200k spent at I.T over 3 months).


While this Amex card offers excellent rewards for shopping at I.T and a general cashback rate that’s 3x higher than the market average, fashionistas who buy across brands or who tend to spend in different categories might prefer a different option. Altogether, this is one of the best branded cashback credit cards on the market.

  • Min. Salary: HK$150,000
  • Annual fee: HK$980, waived for first year; waived for the following year by spending HK$25,000 annually
  • 0% int. instalment plans w/ select merchants
  • 45 Days Cover personal property insurance

Best High Income American Express Cards

These American Express credit cards offer excellent miles rewards on your spend plus great perks for travel. However, the high annual fees and minimum income requirements for both cards means consumers without a very large budget may want to consider other options.

American Express Platinum Credit Card: Rapid Miles for General Spend

  • High 0.200 miles/HK$1 spend + restaurant and movie discounts
  • Promotions: Receive HK$500 City'Super Cash Vouchers w/ HK$5k spend in 1st 3mo
  • Earn 0.333 miles per HK$1 spend in 1st 3mo (max 40k air miles)
  • Receive 4 movie tickets at Broadway Circuit w/ online application
  • Read Our Full Review
American Express Platinum Credit Card is a great choice for consumers with large budgets looking for excellent miles rewards on their spend. Cardholders earn an outstanding 0.200 miles per HK$1 spend on their first HK$120,000 spending, one of the best miles rates on the market for general spend. However, dollars spent after HK$120,000 will only earn 0.067 miles, which is equal to the market average rewards rate.


If you spend a significant portion of your budget on dining, entertainment and travel, this card could be a good fit for your lifestyle. Cardholders have access to movie ticket deals at Broadway Circuit, HK$100 rebates on hotel room reservations and savings at select restaurants.

The American Express Platinum Credit Card offers a very strong miles rebate and a diverse range of perks for brand loyal customers. However, the tradeoff is a cap on the top miles rate after HK$120,000 spend and a steep annual fee of HK$2,200 that cannot be waived. Altogether, if you are a high income consumer seeking quality perks across your travel and entertainment spend, this card may be a good choice for you.

  • Min. Salary: HK$300k
  • Annual Fee: HK$2.2k
  • 0.200 miles per HK$1 spend on first 120k spend
  • 0.067 miles per HK$1 after HK120k spend
  • Stand-Out: High 0.200 miles/HK$1 spend + restaurant and movie discounts
  • Promotions: Receive HK$500 City'Super Cash Vouchers w/ HK$5k spend in 1st 3mo
  • Earn 0.333 miles per HK$1 spend in 1st 3mo (max 40k air miles)
  • Receive 4 movie tickets at Broadway Circuit w/ online application
American Express Platinum Credit Card is a great choice for consumers with large budgets looking for excellent miles rewards on their spend. Cardholders earn an outstanding 0.200 miles per HK$1 spend on their first HK$120,000 spending, one of the best miles rates on the market for general spend. However, dollars spent after HK$120,000 will only earn 0.067 miles, which is equal to the market average rewards rate.


If you spend a significant portion of your budget on dining, entertainment and travel, this card could be a good fit for your lifestyle. Cardholders have access to movie ticket deals at Broadway Circuit, HK$100 rebates on hotel room reservations and savings at select restaurants.

The American Express Platinum Credit Card offers a very strong miles rebate and a diverse range of perks for brand loyal customers. However, the tradeoff is a cap on the top miles rate after HK$120,000 spend and a steep annual fee of HK$2,200 that cannot be waived. Altogether, if you are a high income consumer seeking quality perks across your travel and entertainment spend, this card may be a good choice for you.

  • Min. Salary: HK$300k
  • Annual Fee: HK$2.2k
  • 0.200 miles per HK$1 spend on first 120k spend
  • 0.067 miles per HK$1 after HK120k spend

The Platinum Card: Elite Rewards for Top Earners

  • Access to 1200+ airport lounges & top dining discounts
The Platinum Card is a charge card with solid air miles rates and unbeatable perks for very high income earners. Cardholders are automatically enrolled in the American Express Membership Rewards Turbo Program, which means they earn 0.133 miles per HK$1 spend for the first HK$160,000 of transactions. That rate jumps to an incredible 0.200 for every dollar spent on flights across an array of airlines as well as transactions in foreign currencies, making this a great card for travel.


Cardholders also have access to a generous number of excellent perks: access to 1,200 airport lounges across the world, complimentary hotel membership at top hotels, steep savings at participating restaurants and more.

While this card has solid miles rewards and perks, it is only accessible to very wealthy consumers. With a minimum annual salary of HK$1,000,000 plus an annual fee of HK$7,800, this is the least accessible Amex card on the market. What’s more, spending on charge cards must be repaid in full every month. All in all, The Platinum Card is a good choice for top perks and rewards rates if you have a very large budget and spend a lot of your time traveling abroad.

  • Min Salary: HK$1000k
  • 0.133 miles per HK$1 spend on first HK$160k spend
  • 0.067 miles per HK$1 after HK160k spend
  • Access to 1,200 airport lounges across the world
  • Complimentary hotel membership at top global hotels
  • Stand-Out: Access to 1200+ airport lounges & top dining discounts
The Platinum Card is a charge card with solid air miles rates and unbeatable perks for very high income earners. Cardholders are automatically enrolled in the American Express Membership Rewards Turbo Program, which means they earn 0.133 miles per HK$1 spend for the first HK$160,000 of transactions. That rate jumps to an incredible 0.200 for every dollar spent on flights across an array of airlines as well as transactions in foreign currencies, making this a great card for travel.


Cardholders also have access to a generous number of excellent perks: access to 1,200 airport lounges across the world, complimentary hotel membership at top hotels, steep savings at participating restaurants and more.

While this card has solid miles rewards and perks, it is only accessible to very wealthy consumers. With a minimum annual salary of HK$1,000,000 plus an annual fee of HK$7,800, this is the least accessible Amex card on the market. What’s more, spending on charge cards must be repaid in full every month. All in all, The Platinum Card is a good choice for top perks and rewards rates if you have a very large budget and spend a lot of your time traveling abroad.

  • Min Salary: HK$1000k
  • 0.133 miles per HK$1 spend on first HK$160k spend
  • 0.067 miles per HK$1 after HK160k spend
  • Access to 1,200 airport lounges across the world
  • Complimentary hotel membership at top global hotels
Kevin Schwartz

Kevin is a Junior Research Analyst at ValueChampion, specialising in credit cards in Hong Kong. He previously worked for the U.S. Congress as well as in international education in Beijing. He holds a B.A. in International Studies and Chinese from the College of the Holy Cross.