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

Field	Details
Issuer	American Express International Inc.
Network	American Express
Card Tier	Platinum
Card Type	Credit Card (Lending Card)
Type	Miles / Points
Annual Fee	HK$9,500 (primary card + 2 supplementary cards; non-waivable)
Purchase APR	35.96%
Cash Advance	Not applicable
Interest-Free Period	Up to 56 days
Minimum Payment	Highest of: (i) 1.5% of outstanding principal + 100% of all finance charges and fees; (ii) 4% of outstanding balance; or (iii) HK$300, plus any overdue minimum payment and over-limit amount
Late Payment Fee	5% of overdue minimum payment (min. HK$300, max. HK$350)
Foreign Transaction Fee	2%
Over-limit Fee	HK$180 per billing cycle (waived)
Paper Statement Fee	HK$10/month (waived for cardmembers aged 65+)
Supplementary Cards	2 free supplementary cards (included in annual fee)
Applicant Age	18 or above
Minimum Annual Income	No stated requirement (subject to credit assessment)

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

Spending	Points	Miles Redemption Rate (at 18 pts = 1 mile)
First HK$120,000 per year	HK$1 = 3 points	HK$6 = 1 mile (≈1.67%)
Beyond HK$120,000	HK$1 = 1 point	HK$18 = 1 mile (≈0.56%)

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

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