Enjoy all the benefits, convenience and security of an American Express® Card, with the added bonus of accumulating rewards.
What is the American Express Membership Rewards® Program?
The Membership Rewards program rewards you for using your American Express Card. The more you use your Card, the more Membership Rewards points you can earn. With points, you can cover eligible transactions on your statement or during online shopping, redeem for over 100 lifestyle rewards and gift cards, book your next trip –
just a few of the many ways you can reward yourself with American Express.
Membership Rewards Terms and Conditions apply.
American Express Explorer® Credit Card – Points Earn Rate: HK$1 = up to 5 Membership Rewards points
Reward your inner explorer.
- 3 Membership Rewards points for every HK$1 spent on eligible local transactions (HK$5 = 1 mile*)
- 5 Membership Rewards points for every eligible HK$1 spent on airlines and selected online travel and everyday spend merchants (HK$3 = 1 mile*)
- 3.75 Membership Rewards points for every HK$1 equivalent spent in eligible foreign currencies spend
(HK$4 = 1 mile*) - No administration fee and seamless experience when you transfer your points into 9 air miles partners
*Conversion rate accurate as of June 2022.
How can you use your Membership Rewards points?
There are many ways you can use Membership Rewards points. Find out more below.
Compare our Rewards Cards
Compare our Rewards Credit Cards and Charge Cards to find the right one for you.
- 3 Membership Rewards points for
every HK$1 spent on eligible local transactions (HK$5 = 1 mile)
- 5 Membership Rewards points for
every eligible HK$1 spent on airlines and selected online travel and
everyday spend merchants
(HK$3 = 1 mile) - 3.75 Membership Rewards points for every HK$1 equivalent spent in eligible foreign currencies spend
(HK$4 = 1 mile) - Pay with Points
- 10% savings on 4DX, 3D, 2D and
- IMAX regular priced movie tickets at Broadway Circuit in Hong Kong
- Complimentary Turbo program -
2 Membership Rewards points for every HK$1 spent (HK$7.5 = 1 mile) - 3 Membership Rewards points for
every HK$1 equivalent spent in eligible foreign currencies spend - Pay with Points
- Gourmet Club offers
- Access to 1,400+ airport lounges
- Fine Hotels & Resorts benefits
- Elite Partner Programs - complimentary memberships to the world’s leading hotels and car rental companies
- With the American Express Platinum Credit Card Membership Rewards® program, spend HK$1 to earn up to 3 points (earn rate is applicable to the first HK$120,000 spent during each program period)
- Earn a total of up to 6 Membership Rewards points for every HK$1 spent (equivalent to a cash back of up to 2%) at a wide range of selected local supermarkets, gas stations, convenience stores and more
- Pay with Points
- Gourmet Club offers
- Enjoy special privileges at Broadway Circuit in Hong Kong
- 2.5 Membership Rewards points for every HK$ 1 spent on eligible local transactions (HK$6 = 1 mile)
- 3 Membership Rewards points for every HK$ 1 equivalent spent in eligible foreign currencies spend
(HK$5 = 1 mile) - Pay with Points
American Express Rewards Credit Cards and Charge Cards offer you:
- Welcome offers
- Online fraud protection guarantee
- Card-specific benefits
Cardmember benefits at a glance
Whenever you need us, wherever you are, our Customer Care Professionals are available 24/7 by phone, text, email or mail.
With our comprehensive Online Fraud Protection Guarantee and No Worries Guarantee, you can spend on your American Express Credit 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 Reward Credit Cards and 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 Reward Credit Card and 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.
You are aged 18 or over
You are a Hong Kong or Macau resident/citizen
Some Cards have additional eligibility criteria, and many also require a certain income threshold. You will be asked to provide employment, income and bank account information in order to submit your application.
Once you have decided on a Rewards Card that suits you, click on the 'Apply Now' button on the Card page to begin the application process. You may also read the important information to find out more. At this point, you can also decide how you'd like your name to appear on your Card.
Compare all of our Cards
Explore our range of Cards; you're bound to find something to suit your needs and lifestyle.