Access It® Frequently Asked Questions

If your Card is eligible and receive our offer, you will be able to apply for a Loan-on-Card via your Online Account or the Amex HK App.

If your Card is eligible, you can apply for a Loan-on-Card through your Online Account or the Amex HK App in just few steps:

Step 1 - Select the Loan-on-Card amount of HK$20,000 or above and then the terms. The maximum Loan-on-Card amount will be up to your pre-approved amount.

Step 2 - Add a bank account for funds deposit

Step 3 - Review and submit the application

Please note if you choose to use HSBC accounts, you might be required by email to provide your bank statement for our verification of your bank account. Most of the Loan-on-Card applications will be processed instantly and some will take up to 5 days upon the submission of the application. If we do not receive your bank statement in the requested timeframe/any required information missing  /does not match with our record, we reserve the right to decline/cancel your application.

You will be notified of the Loan-on-Card approval via confirmation email or letter.

003 Standard Chartered

024 Hang Seng Bank

for other banks‘ bank code, please refer to the Hong Kong Interbank Clearing Limited page.

If your Card is eligible, you can apply for a Loan-on-Card anytime. 

Please note that you can only have one Loan-on-Card at a time and your account should be valid and in good standing. American Express reserves the right to approve or decline the Loan-on-Card application without giving any reason or prior notice.

Interest will be incurred. For more information on how much interest or principal is being paid with each installment, please refer to the section "Amex Access It" of your statement.

Please note that you at least need to pay your minimum payment stated in your monthly statement, if you fail to make full repayment of the statement balance specified in the statement of account on or before the payment due date, you shall pay a finance charge and other charges on all outstanding balance at the interest rate applicable to the account pursuant to the relevant Cardmember Agreement.

You can request a minimum of HK$20,000 and a maximum of up to HK$300,000, subject to your pre-approved amount. You can log in to your Online Account or Amex HK App to check for the pre-approved amount.

You could manage your credit limit here. American Express reserves the right to approve or decline any application without giving any reason or prior notice.

No, you can only have one Loan-on-Card at a time. Once the Loan-on-Card is approved, you can only apply for a new Loan-on-Card after the Loan-on-Card has been fully settled.

No, only selected Basic Cardmembers of the eligible Cards can apply for a Loan-on-Card.

When the Loan-on-Card has been approved and has been posted to your Card account, the available credit limit will be reduced by an amount equivalent to the Loan-on-Card Amount. The available credit limit will be restored if you repay each Installment Amount until the final Installment is settled. And it won't increase your credit limit.

You will receive the details via confirmation email once the Loan-on-Card is approved. The Installment Amount for each month will also be shown on your Card statement accordingly*.

*The first statement will only consist of interest.

The Cardmember's personalized APR is derived by various components including account status, risk level and terms of the Loan-on-Card.

The Loan-on-Card is only applicable to selected Basic Cardmembers who hold an selected Amercian Express Credit Card issued by American Express International, Inc. in Hong Kong. The eligibility will also be decided by various factors and in accordance with usual credit assessment. If your Card is eligible, you will see the offer in your account.

You may request to cancel your Loan-on-Card at any time by logging in to your online services account /  AMEX HK App or calling the 24-hour enquiry hotline shown at the back of your Card for Loan-on-Card cancellation. As cancellation can take up to 24-48 hours to process, you may also be required to pay an interest only installment or Installment Amount after requesting cancellation if your cancellation request is not processed before your next statement date. Once cancelled, the unpaid Loan-on-Card Amount and any accrued interest from the last statement issue date up to the date your cancellation request is being processed which has not been billed for the cancelled Loan-on-Card will be moved to your standard balance.

At this time, it’s not possible to make changes to your Loan-on-Card once the appliction has been submitted.

You can view the details of the Loan-on-Card through your Online Account or the Amex HK App.

If you fail to pay the statement balance of your monthly Card statement in full, or if you only pay the minimum payment due on or before the due date of that statement, you shall pay a finance charge and other charges on all outstanding balance at the interest rate applicable to the account pursuant to the relevant Cardmember Agreement.