Who Is This Card For?

The American Express Platinum Card is one of the highest-tier personal credit cards in Hong Kong (second only to the Centurion Black Card), best suited for:

• High-frequency travellers: Unlimited complimentary access to 1,550 airport lounges worldwide including the exclusive Centurion Lounge — one of the most comprehensive travel benefit cards available

• Advanced miles collectors: The "Up to 9X Points" Accelerator Programme allows overseas, airline and designated travel platform spending to earn as low as HK$2 = 1 mile; points transfer to Asia Miles, Avios, KrisFlyer, Emirates Skywards and more

• Fine dining enthusiasts: Up to HK$2,000 in global dining rebates per year, buy-one-get-one dinner menus at designated Michelin-starred restaurants, and discounts at hotel and partner dining venues

• Luxury hotel regulars: Access to Fine Hotels + Resorts privileges at over 1,300 top-tier properties (room upgrade, daily breakfast for two, 4pm late checkout), plus complimentary Marriott Bonvoy Gold Elite, Hilton Honors Gold and Radisson Rewards Premium memberships

• Aspiring Centurion cardmembers: A meaningful Platinum Card spending history is a prerequisite for Centurion Black Card invitation

Airport Lounge Access (Unlimited) Unlimited complimentary access to 1,550 airport lounges across 140 countries, including:

• The Centurion® Lounge (including the newly opened Tokyo Haneda location)

• Priority Pass™ lounges

• Delta Air Lines Sky Club®

• Plaza Premium, Airspace, Escape Lounges and more

At Hong Kong International Airport's Centurion Lounge, the primary cardmember may bring up to 2 guests per visit at no charge.

Global Dining Rewards (up to HK$2,000 rebate per year)

• Local Dining Reward: HK$500 rebate per period (Jan–Jun and Jul–Dec 2026), totalling HK$1,000 at over 30 designated local restaurants

• Overseas Dining Reward: HK$500 rebate per period, totalling HK$1,000 at over 1,400 restaurants across 20 global locations

• Registration required separately via the Amex HK App for each period

Michelin-starred Restaurant Buy-1-Get-1 Dinner Menu Valid: 1 March – 31 August 2026. Book via the designated Dining City website to enjoy buy-one-get-one dinner menus at selected Michelin-starred restaurants and top dining venues, up to 4 bookings per month.

American Express Travel Online Rebate (up to HK$1,100) Valid: 6 January – 30 June 2026. Book and prepay eligible hotel or car rental orders via American Express Travel Online to earn up to HK$1,100 in spending rebates.

Up to 9X Points Accelerator Programme (as low as HK$2 = 1 mile) Valid until 30 June 2026. Register to earn bonus points on:

• Overseas and foreign currency spending

• Airline transactions

• Designated travel platforms: Agoda, Trip, Expedia,Booking, and more

• Designated everyday merchants: Wellcome, ParknShop, Mannings, Watsons, YATA Department Store and more

Points Earning Structure

Points can be redeemed for Asia Miles, Avios (British Airways), KrisFlyer (Singapore Airlines), Emirates Skywards, Marriott Bonvoy, Hilton Honors and more, or used via Pay with Points to offset purchases (300 points = HK$1).

Hotel Membership Benefits

• Marriott Bonvoy Gold Elite membership

• Hilton Honors Gold membership

• Radisson Rewards Premium membership

Fine Hotels + Resorts Book via the Platinum Card travel portal at over 1,300 top-tier properties worldwide to enjoy room upgrades, complimentary breakfast for two, 4pm late checkout and more (average total value approx. HK$4,680).

The Hotel Collection Stay 2 consecutive nights or more at over 600 participating hotels worldwide to enjoy a US$100 hotel credit and room upgrade.

Complimentary Travel Insurance Pay travel expenses in full with the card to enjoy family-wide multi-trip travel insurance:

• Travel accident coverage: up to HK$3,000,000

• Hospital and medical expenses: up to HK$1,000,000

• Also covers baggage loss, trip cancellation/curtailment, and flight delay

24/7 Global Concierge Service Round-the-clock personal concierge for travel, dining, shopping and lifestyle requests.

Purchase Protections

• Return protection: return eligible purchases to Amex within 30 days of purchase for a refund

• Extended warranty: automatic 1-year extension after manufacturer's warranty expires

• Price protection: if a lower local price is found within 14 days, Amex refunds the difference

• 45-day purchase protection: coverage for theft or accidental damage within 45 days of purchase

1. This is a Lending Card (Credit Card), not a Charge Card This application is for the Platinum Credit Card (Lending Card), which has a preset credit limit, allows minimum payment, and accrues interest on unpaid balances. A separate Platinum Charge Card version also exists (requires full monthly repayment, no preset spending limit). Benefits are similar but the repayment structure differs — confirm the version before applying.

2. Annual Fee is Non-Waivable The HK$9,500 annual fee is charged immediately upon card approval with no spending waiver condition and is non-refundable. To assess value, add up the benefits you will actually use — dining rebates (HK$2,000) + travel rebates (HK$1,100) + lounge value + insurance + hotel perks — against the annual fee.

3. Foreign Transaction Fee is 2% Slightly higher than most Hong Kong banks (1.95%), but the enhanced earn rate through the 9X Accelerator Programme can more than offset this for qualifying transactions.

4. Points Must Be Actively Redeemed; Note Expiry Membership Rewards® points expire after 2 years and must be manually redeemed via the American Express website or app — they do not auto-convert to miles.

5. Supplementary Card Benefits The annual fee includes 2 supplementary cards. Supplementary cardmembers enjoy most dining and shopping privileges, but lounge access is primarily for the primary cardmember — guests or supplementary cardmembers typically need to be accompanied by the primary cardmember, subject to individual lounge policies.

This Card May Not Be Ideal If:

• The annual fee is a stretch: HK$9,500 is a fixed, non-waivable cost. If you cannot make full use of lounge access, dining rebates and travel benefits, the card's value will not justify the fee

• Your spending is primarily local and everyday: The standard earn rate (HK$6 = 1 mile) is unremarkable for general local spending outside the 9X programme — a dedicated cashback or miles card may offer better returns

• You travel infrequently: Lounge access is a cornerstone benefit — if you fly rarely, this core value proposition goes largely unrealised

• You prefer simple cash rebates: The Membership Rewards® points system requires active management and redemption planning — not suited to those who want automatic, no-fuss cashback

• Your everyday spending doesn't align with Amex partner merchants: Several high-earn categories are limited to designated Amex partners; spending outside these merchants earns at the lower base rate

• You're looking for a low-cost entry point: This is one of the highest-fee personal credit cards in Hong Kong — those with budget constraints may prefer a no-fee or lower-fee miles card to start

Best for: Miles collectors · Overseas spending · Frequent flyers · Airport lounge access · Points that never expire · Travel insurance

Earn Rates

Conversion: 12 Points = 1 mile.

FX fee note: After the 1.95% foreign transaction fee, the effective earn rate at the HK$20,000 threshold works out to approximately HK$3.8 = 1 mile.

Airport Lounge Access

Up to 12 complimentary visits per calendar year to over 70 designated Plaza Premium Lounges worldwide. To qualify for each free visit, you must spend HK$5,000 (local or overseas) within 30 days of the lounge visit. If the spending requirement is not met, an entrance fee of HK$250 applies. Additional visits beyond 12 are also charged at HK$250 each.

Complimentary Travel Insurance

Pay for your flight, hotel, or tour package in full with the card — or redeem with points — and you and your family are covered under the Basic Plan.

Points Transfer

Convert to 11 airline and hotel loyalty programmes including Cathay, British Airways Executive Club, Singapore Airlines KrisFlyer, Qantas, Qatar Airways Privilege Club, and Flying Blue. Conversion rate: 12 Points = 1 mile. A handling fee of HK$200 applies per transfer, with a minimum of 18,000 Points (= 1,500 miles) per redemption.

Asia Miles reference (economy class round trip):

This card may not suit you if:

• Most of your spending is local — the base rate of HK$8 = 1 mile is relatively low

• You're reluctant to pay an annual fee and rarely travel overseas — the fee is hard to justify without regular international spend

• You prefer straightforward cashback — this card is built around miles, and the cash redemption rate (205 Points = HK$1) is poor value

• Your monthly spend rarely hits HK$20,000 — overseas earn rate drops to HK$4 = 1 mile rather than the best-tier HK$3

Best for: Premium travellers · Unlimited lounge access · Miles collectors · Golf · Concierge service
English

Best for: Premium travellers · Unlimited lounge access · Miles collectors · Golf · Concierge service

Earn Rates

Loyalty bonus: The longer you hold the card, the more you earn — up to an additional 30% points on top of your annual spend.

FX fee note: After the 1.95% foreign transaction fee, the effective earn rate on overseas spend works out to approximately HK$4.8 = 1 mile.

Airport Lounge Access

Principal cardholders enjoy unlimited complimentary access to Priority Pass lounges worldwide (Hong Kong policy — please verify with the bank before applying, as the Singapore version was revised to 12 visits per year from July 2025).

4th Night Free at Any Hotel

Book 4 or more consecutive nights through the Citi Prestige Concierge and receive the 4th night complimentary, calculated at the average nightly rate of the stay. No blackout dates, valid at hotels worldwide.

Travel Insurance

Complimentary year-round travel insurance with accidental coverage up to USD 500,000 (approx. HK$3,900,000). Coverage is triggered when travel costs are charged to the card.

Airport Electric Vehicle Transfer

Make an eligible overseas transaction of HK$5,000 with your card and enjoy one complimentary electric vehicle transfer at Hong Kong International Airport (departure or arrival hall) within 30 days.

Golf Green Fee Waiver

Principal cardholders enjoy complimentary green fees at selected golf courses worldwide.

Dining Privileges

Exclusive dining offers at Michelin-starred and curated restaurants in Hong Kong and worldwide, arranged through the Citi Prestige Concierge.

24/7 Concierge Service

Round-the-clock personal concierge covering restaurant reservations, travel arrangements, gift sourcing, and everyday requests.

Points Transfer

Same programme as Citi PremierMiles — convert to 11 airline and hotel loyalty programmes at 12 Points = 1 mile. A handling fee of HK$200 applies per transfer, with a minimum of 18,000 Points per redemption.

This card may not suit you if:

• Your annual income is below HK$600,000 — the eligibility threshold is high

• You rarely travel overseas — the HK$3,800 annual fee is difficult to justify without regular international spend

• You prefer cashback — this card is built around miles and lifestyle perks; the cash redemption rate (205 Points = HK$1) is poor value

• Most of your spending is local — while HK$6 = 1 mile is better than PremierMiles, it still won't offset the annual fee on its own

A credit card designed specifically for Hong Kong drivers. Earn up to 10% return on Autotoll tunnel payments, and 3.2% on car-related spend including car washes, repairs, EV charging, and petrol stations. Comes with complimentary tyre puncture repair and towing service, plus exclusive 365 Car Wash privileges. High earn rates are unlocked with HK$4,000 in monthly spend — ideal for daily commuters and frequent tunnel users.

Eligibility

Key Rates (Source: KFS, January 2025)

Fees

Who Is This Card For?

EveryMile is a travel miles-focused credit card, best suited for:

• Frequent travellers: Those who regularly fly, book hotels and use cross-border transport, with overseas spending as a primary category

• Miles enthusiasts: Users who want flexibility to redeem across multiple airline and hotel loyalty programmes, rather than being locked into a single carrier

• Existing HSBC customers: Those already banking with HSBC who can seamlessly integrate with the HSBC Reward+ App for easier rewards management and redemption

• Consistent spenders: Those who can comfortably reach HK$80,000 in annual spending to waive the annual fee

• Coffee, casual dining and local transport regulars: These categories earn at the preferential rate of HK$2 = 1 mile, making it easy to convert everyday spending into miles

Card Details

This Card May Not Be Ideal If:

• You prefer straightforward cash rebates: EveryMile rewards are miles-oriented. If you don't plan to redeem for flights or hotel points, the direct cash rebate rate (1%) is unremarkable — a dedicated cashback card would serve you better

• Your annual spend is below HK$80,000: The HK$2,000 annual fee cannot be waived, making the card relatively costly to hold

• Dining and online shopping are your main categories: Neither is a strong category for EveryMile — both earn only 1%, and a specialist dining or online shopping card would offer better returns

• You don't use any frequent flyer or hotel loyalty programme: Without a programme to redeem into, miles accumulate without practical value

• You want a simple, no-fuss card: The Travel Guru offer, lounge eligibility conditions and Reward+ App requirements involve rules and thresholds that can be cumbersome — not ideal if you prefer automatic, no-conditions rebates

• You need a supplementary card for family members: EveryMile currently does not offer supplementary cards; another HSBC card would be needed for this

Who Is This Card For?

The Mox Credit Card is issued by Mox Bank, a virtual bank backed by Standard Chartered. Positioned as an all-in-one card for everyday users, it is best suited for:

• Digital-first users: Those comfortable managing finances entirely through an app — online shopping, food delivery, mobile payments — with no need for physical branch services

• Supermarket spenders: Earn 3% unlimited CashBack at supermarkets across Hong Kong with no category restrictions, making daily grocery spending genuinely rewarding

• Salary-in workers: Those whose employer deposits payroll of HK$25,000 or above via FPS into their Mox account each month can unlock 2% CashBack or HK$4 = 1 mile — a straightforward and achievable threshold

• Overseas spenders and travellers: Miles mode comes with 0% foreign transaction fee, making it well-suited for overseas purchases and travel spending

• Miles beginners: HK$4 = 1 Asia Mile (when unlocked) outperforms most traditional bank cards (typically HK$6–8 = 1 mile), with miles credited to Cathay accounts on the same day

• Those needing flexible fund transfers: The only virtual bank in Hong Kong that supports FPS transfers using credit limit — ideal for paying rent or transferring money while enjoying up to 56 days interest-free

Card Details

1. Unlock Conditions (new rules effective 2 April 2026)

The higher reward rates of 2% CashBack or HK$4 = 1 mile are not automatic — cardholders must meet ONE of the following conditions:

• Employer deposits payroll of HK$25,000 or above via FPS into the Mox account each month, shown as "salary" in the Mox app; or

• Achieve Mox+ status: monthly average savings balance of HK$600,000 or above

Without meeting unlock conditions, rates drop to 1% CashBack or HK$10 = 1 mile — a significant difference.

⚠ Standing instructions or self-transfers do not qualify. Only employer-initiated FPS payroll transfers count.

Honeymoon period for new customers: Automatically unlocked for the first 60 days after card approval — no conditions required.

2. 0% Foreign Transaction Fee is Miles Mode Only

The 0% foreign transaction fee applies exclusively when the card is set to Asia Miles mode. CashBack mode incurs the standard 1.95% foreign transaction fee. Switch modes in the app before travelling.

3. Credit Card + Debit Card in One

The physical Mox Card functions as both a credit card and a savings/debit card, and doubles as an ATM card. The card face has no printed card number for enhanced security.

4. Instant Approval and Instant Use

Application results are issued immediately. Upon approval, the virtual card can be added to Apple Pay or Google Pay right away — no need to wait for the physical card.

5. FPS Credit Transfers

Mox is the only virtual bank in Hong Kong that allows FPS transfers using the credit limit. Rent payments and transfers count towards cashback rewards (when unlocked) and enjoy up to 56 days interest-free. Transfers exceeding the personalised monthly limit are charged up to 2%.

6. Instalment Plans

Single transactions of HK$400 or above are eligible for "Transaction Instalment"; statement balances of HK$2,000 or above can be converted to "Statement Instalment". Repayment periods range from 3 to 60 months, with no hidden fees and real-time APR display.

Other Fees

This Card May Not Be Ideal If:

• Your salary doesn't go through Mox and savings are below HK$600,000: Without meeting unlock conditions, you're limited to 1% CashBack or HK$10 = 1 mile long-term — significantly less competitive

• You need airport lounge access or travel insurance: Mox Credit provides neither — frequent travellers will need a separate travel card for these perks

• You prefer in-person banking: Mox is app-only with no physical branches — not suitable for those who rely on counter services

• You need a supplementary card: Supplementary cards are currently not available

• Dining and online shopping are your main spending categories: Mox offers no bonus rates for dining or general online shopping (supermarkets aside) — a specialist card may deliver better returns

• You don't use Asia Miles: Miles can only be redeemed for Asia Miles and cannot be transferred to other airline programmes — limited appeal for those who don't fly Cathay Pacific

The core proposition of this card is unlimited 2% cash rebate across all spending categories. The 2% rebate comprises a 1% base rebate plus a 1% promotional rebate, with a maximum rebate cap of HK$2,000 per card — meaning only the first HK$200,000 in eligible spend qualifies for the full 2%; any spend beyond this earns only the 1% base rebate.

Rebate Structure

The 2% rebate (1% base + 1% promotional) applies to all eligible retail purchase transactions. The additional 1% promotional rebate is capped at HK$800 during the promotion period (1 January 2026 to 30 June 2026). No registration required. Rebate is calculated per transaction, settled monthly and credited to the next statement.

Ineligible Transactions (No Rebate)

Cash advances, credit card charges (annual fee, interest/finance charges, late charges, over-the-limit fees, cash advance handling fees), Octopus Automatic Add-Value Service (AAVS), casino transactions, P2P transfers, electronic money transfers, e-wallet top-ups, instalment amounts, unposted/cancelled/refunded/fraudulent transactions, and unauthorised transactions.

Octopus AAVS: HK$1 rebate per HK$250 auto top-up (0.4% base rate only; not eligible for the additional 1% promotional rebate).

Airport Lounge Access: Spend HK$12,000 or more in 2 consecutive months to unlock 3 complimentary LoungeKey visits per year.

Key Rates

Fees

Eligibility

Minimum age 18. No minimum income requirement. PrimeCredit is a licensed money lender (not a bank), and applies relatively flexible approval criteria.

Principal cardmembers must be Hong Kong residents aged 18 or above with a minimum annual income of HK$150,000 (full-time university/tertiary students exempt). Supplementary cardmembers must be aged 16 or above; if under 18, the principal cardmember must be their parent or guardian.

Best For: Frequent travellers, foreign currency spenders, Japan/Korea/Thailand trips, local dining, perpetual annual fee waiver, Greater Bay Area spending

About +FUN Dollars

• Redeemable via Hang Seng Mobile App through +FUN Centre as direct statement credit

• Validity: 24 months from annual card renewal month

• Bonus +FUN Dollars credited within 2 months after monthly spend is settled

Travel Perks

• HK$10 dining credit at airport Starbucks / Intervals Bar

• Exclusive booking offers with Rakuten Travel, Trip.com, Agoda and Expedia

• Priority access to concert and major music festival tickets

Important Notes

Monthly reward cap: The combined monthly bonus reward cap is $500 +FUN Dollars (equivalent to approximately HK$500 in statement credit).

High earn rate trigger: One-time online registration is required. Monthly eligible retail spend must reach HK$6,000 to unlock the higher earn rates. In months where spend falls below HK$6,000, only the base 0.4% rebate applies.

Ineligible transactions (no rewards earned): Online bill payments (utilities, insurance premiums, repayments to banks/credit cards, etc.), tax payments, all Alipay and WeChat Pay transactions, phone/fax orders, cash coupon purchases, instalment payments, balance transfers, Octopus top-ups (including via e-wallets), stored value card purchases/reloads, purchases of financial products or services (foreign currency exchange, money orders, travellers' cheques, deposits, remittances, etc.), cash advances and handling fees, casino chip purchases, autopay, recurring payment instructions, annual fees/finance charges/late charges, and any transactions that are subsequently cancelled, refunded or identified as fraudulent.

Not Suitable If:

• You rarely travel overseas or have limited foreign currency spend — the high earn rates will be difficult to trigger

• Your monthly spend is consistently below HK$6,000 — you will only earn the 0.4% base rebate

• You want to earn airline miles directly — this card does not offer direct miles conversion

The Visa Signature tier requires a minimum annual income of HK$240,000. Applications that do not meet the Visa Signature threshold will automatically be downgraded to a Visa Platinum Card. Applicants must be Hong Kong residents aged 18 or above. Full-time university/tertiary students must be Hong Kong permanent residents.

0.4% base rebate + 3.6% bonus rebate (selected Fun category); monthly spend of HK$1,500 required to activate bonus rebate; monthly cap of HK$200.

Cashback Mechanism — 4% Fun Category Rebate (Pick 1 of 4; selected at application, cannot be changed)

Monthly eligible spend of HK$1,500 or above required to activate the 3.6% bonus rebate. Monthly bonus rebate cap: HK$200. Registration required via OmyCard App.