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The Platinum Card
American Express

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 details
Monthly Cashback HKD 0
Effective Rate 0.00%
Foreign Currency Spending 9X points on foreign currency (first HK$15,000/quarter)
HKD
9% HKD 0
Designated Travel Merchants (HKD) 9X points on airlines & OTAs (first HK$15,000/quarter)
HKD
9% HKD 0
Designated Everyday Merchants (HKD) 9X points on supermarkets, convenience stores, gas (first HK$15,000/quarter)
HKD
9% HKD 0
Other HKD Spending 2X points on all other eligible HKD transactions
HKD
2% HKD 0
Membership Rewards eligibility and exclusions

The calculator focuses on overall eligible spending. Expand for Accelerator enrollment, cap assumptions and excluded transactions.

How this calculator models the programs

  • Basic Earn and Turbo enrollment is automatic. The 9X Accelerator requires one-time enrollment for the July 2026 to December 2027 program; previous enrollment does not carry over.
  • The model assumes Accelerator enrollment was completed before the spending and that the entered amounts have the displayed quarterly cap available.
  • The extra 1X Turbo rate is shared across the first HKD 160,000 of eligible Hong Kong dollar and foreign-currency spending in each Membership Rewards enrollment year. The calculator assumes Turbo capacity remains available.
  • Supplementary Card spending counts with the main account. Membership Rewards accrue using each transaction rounded to the nearest dollar, so aggregate results may differ slightly.

Not eligible for Membership Rewards points

  • Charges processed and billed before Membership Rewards enrollment.
  • Card annual fees, cash services, American Express Travelers Cheques, Gift Cheques and Travel Gift Certificates.
  • Dishonored-cheque charges, finance charges, late-payment charges and referral charges.
  • Overseas purchase tax refunds, tax bill payments, and the payment portion of Points + $ redemptions.

Not eligible for Accelerator bonus points

  • Transactions not made directly with the merchant, including Alipay, WeChat Pay, authorized retailers, resellers, online marketplaces, or merchants using mobile or wireless card readers. Apple Pay, Google Pay and Samsung Pay remain eligible.
  • Payments through third-party establishments, including third-party flight or hotel packages and hotel-counter settlement of those bookings.
  • Charter or private-jet flights; airline travel packages, tours or cruises; accommodation, car rental or cruises booked through airlines; in-flight sales; and frequent-flyer programs.
  • Unposted, cancelled, refunded or fraudulent transactions.
  • Merchant-code classification controls eligibility, and the designated merchant lists may change.
Calculator verified: 4 Aug 2026 Rates may change over time, and bank may not have same interpretation as us. Always verify with bank before applying.
View Official Terms

The American Express Platinum Card earns up to 9X Membership Rewards points on foreign-currency spending, eligible scheduled flights and designated online travel agencies, and designated Hong Kong everyday merchants such as supermarkets, convenience stores, personal-care chains and petrol stations. Other eligible HKD spending earns 2X while Turbo capacity remains available. The 9X rate applies to the first HK$15,000 per quarter in each of the three Accelerator categories, after which foreign-currency spending drops to 4X while travel and everyday merchants fall to 2X, assuming the shared HK$160,000-per-enrollment-year Turbo allowance remains available. One-time enrollment is required again for the July 2026 to December 2027 Accelerator. Apple Pay, Google Pay and Samsung Pay remain eligible, while third-party payment methods and other exclusions do not earn Accelerator points.

Advantages

  • 9X points on foreign currency spending (excellent for travel)
  • 9X points on airlines and designated OTAs including Agoda, Airbnb, Booking.com, CLUBMED and Klook
  • 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

Considerations

  • 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
Annual Fee: HK$9500 Min. Income: HK$120000/year

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