American Express® Platinum Credit Card
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CardIQ
Fair
Overall score, out of 100 · How this works
- Rewards40
What people say online
Leans positive
Our ongoing analysis of online discussion about this product.
The Hong Kong American Express Platinum Credit Card delivers substantial rewards and extensive travel perks despite a high annual fee, though approval typically requires strong financial credentials and residency in Hong Kong or Macau.
Customer reviews
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Pros & cons
What's good
- Earns 6 points per HK$1 on bonus categories.
- No fee to add an additional cardholder.
Worth noting
- Basic Card HK$2,200; first two Supplementary Cards waived, HK$1,100 each for third and subsequent. No tax mention. No annual fee waiver stated for standard cardmembers (Welcome Offer recipients who received fee waiver cannot also receive the Welcome Offer). The HK$2,200 annual fee is still toward the top of the market (the median is HK$0).
- The 35.96% p.a. purchase rate sits in the most expensive quarter of cards (the median is 32% p.a.) if you carry a balance.
- Requires a minimum income of HK$120,000 a year.
- No balance transfer or introductory purchase offer.
Card details
The basics
- Additional cardholder fee
- HK$0 p.a.
- Card tier
- Platinum
- Card type
- American Express
- Card use
- Personal
- Credit limit
- Not published
- Credit rating
- Not published
- Rewards program
- American Express Platinum Credit Card Membership Rewards
Eligibility
- Instant approval
- Not published
- Joint application
- Not published
- Minimum age
- 18 years old
- Minimum income
- HK$120,000 p.a.
- Residency
- Hong Kong resident / citizen
- Temporary residents
- Not published
Rates & fees
Ongoing interest rates
- Cash advances
- Undisclosed
- Purchases
- 35.96% p.a.
Fees
- Additional cardholder fee
- HK$0
- Annual fee
- HK$2,200 p.a.
- Cash advance fee
- —
- Foreign transaction fee
- 2%
- Late payment fee
- HK$350
- Over limit fee
- HK$180
Repayments
- Interest-free period
- Up to 56 days on purchases
- Minimum repayment
- The highest of: (i) 1.5% of outstanding principal plus 100% of Finance Charges, interest, fees and all other applicable charges; (ii) 4% of outstanding balance; or (iii) HK$300, plus any overdue minimum payments and any amount exceeding your credit limit.
Balance transfers
This card has no promotional balance transfer offer.
Introductory purchase offer
This card has no introductory purchase rate offer.
Rewards
Earn rate
- Everyday spend
- 3 pts per HK$1
- Bonus categories
- 6 pts per HK$1 in bonus categories
- Other purchases
- None
- Overseas spend
- None
- Reduced rate above monthly cap
- None
- Points cap
- Uncapped
- Points expiry
- —
Sign-up bonus
- Bonus spend required
- —
- Sign-up bonus
- —
Complimentary insurance
Cover has conditions and exclusions, which are set out in the issuer's policy terms. A missing row means we haven't captured that figure, not that the cover is absent.
Transit accident
- Activation
- Pay the fare with the card
- Cover limit
- HK$3,500,000
- Underwriter
- Chubb Insurance Hong Kong Limited
- What it pays
- Death or defined serious injury only
Where this card sits vs similar cards
Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.
Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.
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Browse by card type
Compare the American Express® Platinum Credit Card against every other card in its category.
Questions and answers
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Sources
- Credit Card Compare
- Credit card statistics for Hong KongHow CardIQ scores cards
- Issuer
- American Express