The Platinum Card Calculator
Best for: Frequent travelers and premium spenders who can maximize the 9X categories on foreign currency, travel bookings, and everyday shopping at supermarkets and gas stations.
View official detailsThe American Express Platinum Card is a premium charge card offering exceptional rewards for travellers and everyday spenders. It earns 9X Membership Rewards points on foreign currency spending, designated travel merchants including airlines and online travel agencies like Agoda, Booking.com, and Klook, as well as designated everyday merchants such as supermarkets, convenience stores, and petrol stations. All other HKD spending earns 2X points. The 9X rate applies to the first HK$15,000 per quarter in each category, after which foreign currency spending drops to 4X while travel and everyday merchants fall to 2X. Points can be converted to cash at 300 points per HK$1, or to miles at 18 points per mile, making it very competitive for miles earning. Apple Pay, Google Pay, and Samsung Pay transactions are all eligible for the bonus rates.
- 9X points on foreign currency spending (excellent for travel)
- 9X points on airlines and major OTAs (Agoda, Booking.com, Klook, etc.)
- 9X points on supermarkets, convenience stores, and gas stations
- Competitive miles conversion rate (18 points = 1 mile)
- Apple Pay, Google Pay, Samsung Pay eligible for all bonuses
- Premium card benefits and travel perks
- No minimum monthly spend requirement
- High annual fee of HK$9,500 (not waived first year)
- HK$15,000 quarterly cap on each 9X category
- Dining is NOT a bonus category (only 2X)
- 300 points = HK$1 cash is low for cashback redemption
- Everyday merchants require in-store purchases (mostly)
- Must enroll in Accelerator program for 9X rates
- Some merchant categories may not code correctly