American Express®
Charge Cards
American Express Charge Cards offer no pre-set spending limits and no interest charge as the balance is paid in full each month.
Why choose an American Express Card?
Charge Cards differ to Credit Cards as they give you the financial flexibility of no pre-set spending limit, and no interest charges since you must pay the balance in full at the end of each month. Your spending limit, however, depends on your Card usage, and is based on factors including your current spending patterns, payment history, credit record, and financial resources.
It's also rewarding because the American Express Charge Card enables you to maximize your Membership Rewards® points1 earning potential. American Express® Gold Card members are automatically enrolled in our American Express Membership Rewards® Program1, where you earn at one reward point for virtually every dollar you spend.
American Express Corporate and Business Charge Cards can be useful tools for a business looking to supplement cash flow and pay for business purchases. The Gold Business Card helps small businesses buy what they need, with enhanced membership rewards points. The Corporate Card program provides the insights and solutions needed to help control expenses, drive savings and grow your business.
Welcome Offer of up to HK$2,900 plus first-year annual fee waiver
- Up to 3X points on foreign currency spend and up to 2X points on local spend
- 3 complimentary supplementary cards
- Complimentary business insurance plan
Terms and Conditions apply
- Complimentary access to The Centurion Lounge at Hong Kong International Airport
- Up to 15% savings in all restaurants and The Peninsula Boutique at The Peninsula Hong Kong, selected restaurants at The Repulse Bay and The Peninsula Hotels worldwide
Terms and Conditions apply
Welcome offer : HK$300 Peninsula Gift Certificate
- Enjoy exceptional privileges at all of The Peninsula Hotels around the world
- 10% savings on 3D, 2D and IMAX regular priced movie tickets at Broadway Circuit in Hong Kong
Terms and Conditions apply
- 10% savings on 3D, 2D and IMAX regular priced movie tickets at Broadway Circuit in Hong Kong
- Free enrolment in the Membership Rewards Basic program where every HK$1 you spend gets you 1 point
Terms and Conditions apply
- Purchasing power that adjusts with use of the Card
- Extend payment terms by up to 51 credit-free days
- Complimentary Travel Insurance
Terms and Conditions apply
- Extend payment terms by up to 51 credit-free days
- Consolidate rewards from every day business spend
- Dedicated company-level customer service team
Terms and Conditions apply
- Extend payment terms by up to 51 credit-free days
- Consolidate rewards from every day business spend
- Dedicated company-level customer service team
Terms and Conditions apply
- 10% savings on 3D, 2D and IMAX regular priced movie tickets at Broadway Circuit in Hong Kong
- Free enrolment in the Membership Rewards Basic program where every HK$1 you spend gets you 1 point
Terms and Conditions apply
American Express Charge Cards offer you:
- The ability to earn points on virtually all your spend
- Online Fraud Protection Guarantee3
- 24/7 customer service, which may include our concierge and travel services
The range of protection and benefits varies from Card to Card so compare them to see which suits you best. Simply browse the list of Cards in the menu to the left, or use the 'Compare these Cards' button to review all our Charge Cards at the same time.
Whenever you need us, wherever you are, our team of Customer Care Professionals are available 24/7 by phone. No matter where you are in the world, our Global Assist Hotline will provide the help you need around-the-clock.
With our comprehensive Online Fraud Protection Guarantee and No Worries Gurantee, you can spend on your American Express Charge Card with total peace of mind. We’ll protect you against fraud, faulty goods and even if you change your mind, we guarantee you worries free.
For example, American Express Charge Cards offer Return Guarantee on eligible items bought in Hong Kong. Just bring them back to us within 30 days of purchase and we will give you a refund on your Card. Then there's our valuable 45 Days Cover, designed to give American Express Cardmembers peace of mind, it insures you against accidental damage or theft for up to 45 days after the date of purchase.
Wherever your travels take you, you can take your American Express Charge Card. Your spend abroad is converted to Hong Kong dollars as soon as we process the transaction, based on our reference exchange rate which is set daily. If your transaction is in US dollars, the amount will be converted directly to Hong Kong dollars. If it's in another currency, it's converted to US dollars and then to Hong Kong dollars. Of course, your monthly bill is paid in Hong Kong dollars.
We put you firmly in control when it comes to managing your Account. Register online and you can view and manage your account anytime of the day or night, virtually anywhere in the world – either online or on your mobile. View your current balance, get paperless statements, pay your bills easily, and redeem your Membership Rewards points.
American Express Benefits
Discover the limits of your potential with our privileged entertainment, dining, travel and shopping offers, plus the attentive world-class service that American Express is famous for.
Explore Our Credit Cards
American Express offers a range of Credit Cards with variety of rewards and offerings. You could either earn American Express Membership Rewards®1, Asia Miles™ or Cashback by spending with our Credit Cards.
- Membership Rewards points accrual is subject to the American Express Membership Rewards® Program Terms and Conditions. Please click here for more details.
- Terms and Conditions apply on movie privileges. Please click here for more details.
- For details on Online Fraud Protection Guarantee, please click here.