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American Express Essential Credit Card
American Express
No annual fee, with one base point per HKD1 and accelerated local and foreign-currency earn after enrolment.
- Annual fee
- Waived
- Minimum income
- HK$120,000
- FX fee
- 2%
- Network
- amex
Last updated: 1 September 2026
Official issuer detailsEarn rates
| Category | Rate | Cap |
|---|---|---|
| general | 1x | No cap |
Eligibility
Applicants must be Hong Kong residents aged 18+ with minimum annual income HKD120,000. Eligible foreign-currency spend earns three points per HKD1 and the enrolled local programme can earn up to 2.5 points. The new-cardmember HKD200 statement-credit offer is valid through 30 September 2026 and requires HKD2,000 eligible spend in the first two months; offer terms apply.
FAQ
What is the annual fee for American Express Essential Credit Card?
American Express Essential Credit Card has no annual fee.
What is the minimum income requirement for American Express Essential Credit Card?
The minimum annual income requirement for American Express Essential Credit Card is HK$120,000.
What is the foreign currency fee for American Express Essential Credit Card?
The foreign currency transaction fee for American Express Essential Credit Card is 2%.