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Welcome to the American Express Business Card Program. On this website, you will find a comprehensive guide to using your Card, and to which you can easily refer at anytime.


your Card to get started


to manage your card account online 24/7

American Express

Gold Business Card

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American Express

Business Card

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Benefits and Features

Enjoy the substantial benefits that your Card offers

Your Card offers an extensive list of cost-saving benefits, productivity tools and valuable services for your business.

Take advantage of an easy way to consolidate all your staff’s monthly expenses with Supplementary Cards.

When your staff use their Supplementary Card for business expenses, all transactions will appear on one itemised statement for easier monthly expenses tracking.

+ Apply for Supplementary Cards1 by completing the application form

Your Business Card can give you the valuable breathing room you need to keep cash flow moving, and make sure suppliers are paid on time.

No Pre-set Limit2

Enjoy greater flexibility in spending with no pre-set limit, your purchasing power can increase over time as you use your card. Watch this video to understand how you can increase your purchasing power over time.

Up to 51 Credit-free Days3

Your Business Card gives you up to 51 days to pay for purchases, which helps to reduce any interest on payments while giving you greater control over your working capital, so you can pay your suppliers on time.

Wherever you are or whatever situation you may find yourself in, the assistance and support you need are always just a touch away.

If you have questions about a benefit or service, an enquiry about your billing, or perhaps would like to request for a replacement Card, just pick up the phone – our professional and dedicated customer support is always at your service.

There are times when you may encounter an emergency in which you unexpectedly need cash. Enrolling for Express Cash gives you the convenience of withdrawing cash at AEON ATMs in designated Circle K Stores, MTR stations, shopping malls and AEON branches in Hong Kong. Globally, there are more than 500,000 locations where you can access cash quickly and easily.

+ Enrol into the Express Cash service

For legal or medical emergencies that may pop up during your business travels, call our Global Assist service team and they will connect you with an English- or Chinese- speaking doctor or lawyer at no additional cost. This service is available 24 hours a day virtually anywhere in the world, whenever you travel more than 200km from your home for up to 90 consecutive days.

+ Global Assist Hotline • English +852 8206 8301
+ Global Assist Hotline • Chinese +852 8206 8302

Your account is protected against any theft and fraud when you shop online. The Business Card guarantees protection against any fraudulent transactions, and the American Express SafeKey further safeguards your online purchases for added peace of mind.

Explore the suite of tools that we have designed to help you work more effectively and efficiently.

American Express Manage Your Card Account (MYCA) helps you organise your expenses securely online anytime, anywhere. With this complimentary service, you are able to review and reconcile your expenses online, you can get access to your account information, track and check expenses and payments easily.

+ Get started by registering here

The American Express Mobile App makes it easy for you to manage your card account on-the-go, even when away from the office.

+ Kick start your productivity by downloading the App here

apple store link   google play link

With Apple Pay and Samsung Pay, you can enjoy the safe and convenient shopping experience of mobile payments. All you need to do is to register in a few simple steps on an eligible device.

+ For a step-by-step guide on how to add your Card to your device

apple pay link   samsung pay link

The Quarterly Management Reports make it easier for you to manage and control your business expenses. When you receive the statement, you will see your account transactions for the past quarter detailed according to different categories such as travel, entertainment, dining and etc.

See how you are automatically covered when you use your Business Card

When you travel for business, you will enjoy complimentary travel accident insurance that covers you from the moment you depart, through your trip, and until you return. As a Business Card Member, you are covered with up to HK$800,000 on accidental death or dismemberment while travelling on trips booked using the Card.

When you travel for business, you will enjoy complimentary travel accident insurance that covers you from the moment you depart, through your trip, and until you return.

As a Business Card Member, you are covered with up to HK$800,000 on accidental death or dismemberment while traveling on trips booked using the Card.

As a Gold Business Card Member, you enjoy enhanced travel protection and benefits that cover a comprehensive range of incidents. On top of the up to HK$2,000,000 coverage on business travel accidents.

Travel Inconvenience Insurance Coverage Details
1. Missed Connections Charges for hotel accommodation and restaurant meals or refreshments of up to HK$4,000 if no onward transportation is available within 4 hours.
2. Flight Delay/ Cancellation/ Overbooking Charges for hotel accommodation and restaurant meals or refreshments of up to HK$4,000 if no onward transportation is available within 4 hours
3. Luggage Delay Up to HK$4,000 for the emergency purchase of essential clothing and requisites if luggage is not delivered within 4 hours, and up to HK$8,000 for any luggage delays of over 6 hours.
4. Luggage Loss Up to HK$2,000 for the emergency purchase of essential clothing and requisites for each piece of lost luggage, with a total of up to HK$10,000.

As a Gold Business Card Member, you enjoy additional coverage with up to $1,000,000 on Accidental Permanent Disability. Your business is also covered with up to $20,000 replacement benefit, up to HK$300,000 in business overhead expenses and up to HK$40,000 in business closing expenses incurred due to such disability.

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Lifestyle Rewards

Reward yourself every time you use your Business Card

Enjoy a wide range of exclusive lifestyle rewards that comes with your Business Card. These benefits include:

American Express Membership Rewards® Program8.

You are automatically enrolled into the Membership Rewards® Program. There are no limits to how many points your Card can earn. These rewards points have no expiry date and can be redeemed for an array of travel and lifestyle rewards.

Also, eligible spending charged on Supplementary Business Cards can also earn rewards points that can be consolidated into your account, giving you a faster way to earn more rewards points. Each month your outstanding points will be detailed on your American Express Card statement.

+ View or Redeem a reward from the Membership Rewards® catalogue

American Express Business Card
Membership Rewards® Turbo Program9

You have the option to enroll into the American Express Membership Rewards® Turbo Program, which allows you to earn 2 Membership Rewards point for every eligible Hong Kong dollar business spend on your Business Card. Please note that access to the Membership Rewards® Turbo Program is not automatic and an annual fee applies.

+ Learn more about the Membership Rewards® Turbo Program
+ Call +852 2277 2150 to enroll into the Turbo Program

American Express Gold Business Card
Membership Rewards® Gold Business Program

You can earn even more Membership Rewards points from the enhanced membership rewards earn rate. Click here to learn more.

As an American Express Card Member, you can enjoy a world of privileges with American Express Selects®, which offers year-round access to discounts and savings. Enjoy up to 20% off on dining in Hong Kong, as well as a range of travel, dining, shopping, and entertainment offers at other destinations around the globe.

+ Access your Selects® offers

Your American Express Card makes the perfect movie companion. Enjoy year-round 10% savings on 2D and 3D movie tickets at Broadway, PALACE and AMC Cinemas. Simply pay with your Business Card to enjoy the offer.

broadway circuit logo    palace logo    amc logo

Enjoy the Interest-free Instalment Program which gives you the flexibility to split your payments for large purchases with selected merchants into over 12 monthly, interest-free instalments.

Exclusive Privileges for Gold Cardmembers

As an American Express Gold Business Card Member, you enjoy the privilege of accesssing the World Trade Centre Club Hong Kong. The Club is renowned for its stunning harbour views, wide selection of excellent Chinese delicacies and European cuisines and outstanding conference facilities.

Enjoy a waiver in service charge as you use the dining, meeting and banqueting facilities at this exclusive venue. Also, you will enjoy the member’s rate while booking racebox packages at the Hong Kong Jockey Club.

+ Call 2277 1188 to learn more and book your next visit to the World Trade Centre Club

You enjoy year round privileged access to Plaza Premium Lounges at over 70 locations in more than 25 international airports. Relax and unwind before your next journey with a complimentary visit to Plaza Premium Lounge.

Alternatively, you can enjoy a complimentary 15-minute organic seated massage at Wellness Spa & Salon in Hong Kong International Airport to soothe travel related ailments, or freshen up with a complimentary shampoo and blow-dry at Wellness Spa & Salon in Hong Kong.

Simply present your eligible American Express Card with a boarding pass for the same day or the following day’s travel at the lounge reception.

In the event of a car breakdown, our Roadside Assistance are ready to help get you back on the road. Operating 24 hours a day, the service team will arrive within an hour in most cases. If your car needs to be towed, we will arrange the towing services from your preferred garage and cover the first HK$750 of the towing fee.

+ Call 2277 1188 to arrange your Roadside Assistance service
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Useful Links and Contacts

American Express Business Card HOTLINE numbers

If you would like someone to help you with your queries or if you have any question about the American Express Business Card program, please feel free to contact us at the following numbers. All numbers are operated 24 hours a day, 365 days a year unless specified.

24-hour Customer Service
24-hour Emergency Card Replacement
Global Assist • English
Global Assist • Cantonese
Membership Rewards Program#
Travel Insurance Protector Plan^

24-hour Customer Service

+852 2277 1088

24-hour Emergency Card Replacement

+852 2811 6122

Global Assist • English

+852 8206 8301

Global Assist • Cantonese

+852 8206 8302

Membership Rewards Program#

+852 2277 2150

Travel Insurance Protector Plan^

+852 2568 3359

# Operating Hours: 9:00am - 5:30pm Hong Kong time Monday to Friday (except Public Holidays)
^ Note: this hotline belongs to Chubb Insurance Hong Kong Limited

Benefit Terms

1. Supplementary Cards: American Express approval criteria apply. Subject to Terms and Conditions. Fees and charges apply. Supplementary Card Members must be over 18 years of age. The Business, the Basic Card Member and each Supplementary Card Member are jointly and severally liable for all Supplementary Card spending. Membership RewardsTM enrolment required. Subject to Terms and Conditions of the Membership Rewards program.

2. No Pre-set Limit: No pre-set spending limit does not mean unlimited spending. Your purchases are approved based on factors such as spending patterns, credit history and financial resources known to us.

3. Up to 51 Credit-free Days: Actual credit-free period will vary based on the date of charge and the billing cycle cut-off date.

4. Express Cash: Requires Card Member enrolment. Subject to terms and conditions, click here to learn more.

5. Global Assist Hotline: You must arrange all medical and visitor transportation. As the Global Assist Hotline is an assistance service, we cannot reimburse you for expenses you incur on your own. Please refer to the Global Assist Summary of Coverage for additional details and restrictions.

6. SafeKey®: Secure online shopping with American Express SafeKey. Click here to learn more.

7. Travel Insurance: The plan is underwritten by Chubb Insurance Hong Kong Limited, American Express International, Inc. does not act as an agent or fiduciary for you, and American Express International, Inc. may act on behalf of the insurance provider, as permitted.

8. Membership Rewards® Program: Card Members are automatically enrolled in the Membership Rewards® Program. Terms and Conditions of American Express Membership Rewards® Program apply.

9. Membership Rewards® Turbo Program: An annual program fee of HK$240 will apply upon enrolment of the Turbo Program. To view the full Terms and Conditions of the program, the complete range of offers available and which partners are involved in Membership Rewards, please click here. Terms and Conditions of the Membership Rewards Program apply.

10. American Express Selects: Terms and Conditions apply.

11. Movie discounts: Movie privileges terms and conditions apply.

12. Interest-free Instalment Program: Program details might differ for each participating merchant. Please refer to the terms and conditions at the point of purchase.

13. World Trade Center Club Hong Kong: Club membership rules and regulations apply.

14. Airport Lounge: With maximum 2 visits per year. Complimentary lounge access terms and conditions apply.

15. Roadside Assistance: With maximum 2 claims per year. Terms and conditions apply.