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American Express Explorer Credit Card
American Express
After enrolment, local HKD spend can earn one mile per HKD3, with accelerated foreign-currency and selected online earn.
- Annual fee
- HK$2,200
- Minimum income
- HK$120,000
- FX fee
- 2%
- Network
- amex
Last updated: 1 September 2026
Official issuer detailsEarn rates
| Category | Rate | Cap |
|---|---|---|
| general | HK$3 / mile | No cap |
Eligibility
Applicants must be Hong Kong residents aged 18+ with minimum annual income HKD120,000. After enrolment, foreign-currency spend can earn as low as one mile per HKD1.68 and selected online merchants up to five points per HKD1; conversion, enrolment and cap rules apply. New Cardmembers applying online and approved from 2 July to 31 October 2026 can receive up to 26,000 miles after HKD30,000 eligible spend in the first three months; an additional HKD50 statement credit requires a single HKD600 eligible Octopus mobile top-up in the first three months. Registration and offer terms apply.
FAQ
What is the annual fee for American Express Explorer Credit Card?
The annual fee for American Express Explorer Credit Card is HK$2,200. Waiver: First year waived; HKD150,000 annual spend waives the following year's fee, and two supplementary cards are complimentary.
What is the minimum income requirement for American Express Explorer Credit Card?
The minimum annual income requirement for American Express Explorer Credit Card is HK$120,000.
What is the foreign currency fee for American Express Explorer Credit Card?
The foreign currency transaction fee for American Express Explorer Credit Card is 2%.