Benefits for individual Cardmembers

Membership Rewards

The Membership Rewards programme¹ gives Corporate Cardmembers the opportunity to earn points that are redeemable for air travel and hotel stays, as well as for shopping, home and recreational items. Cardmembers earn one point for every dollar charged on eligible, enrolled American Express Corporate Cards. For added convenience, individuals can manage their Membership Rewards account online.

With so many ways to earn points, it is even more rewarding for Cardmembers to use the Card for all their business expenses. In addition:

  • Membership Rewards points won't expire as long as your Account is current*
  • Membership Rewards points earned may be redeemed to pay for the annual Membership Rewards programme fee
  • There is no limit to the number of points you can earn*.

To enrol in the Membership Rewards programme, Cardmembers can call (+852) 2277 2150. To view the full Terms and Conditions of the programme, the complete range of offers available and which partners are involved in Membership Rewards, please click here.

*An annual Membership Rewards fee applies; enrolment is not automatic and subject to company approval. Subject to the Terms and Conditions of the Membership Rewards programme available here. There may be tax implications associated with your participation in the Membership Rewards programme. You are advised to check with your accountant or tax advisor for further information.

For Cardmembers on the American Express Corporate Card, there are 2 options for Membership Rewards¹ to select from: Membership Rewards Frequent Flyer option and Membership Rewards Non Frequent Flyer option.

The annual membership fee for Membership Rewards Frequent Flyer option is HK$400, or 12,000 Membership Rewards points; and for Membership Rewards Non Frequent Flyer option, the annual fee is HK$120 or 3,600 Membership Rewards. Please refer to the Terms and Conditions for more details.

Cardmembers can enjoy the substantial rewards available to them by using the Corporate Card as their payment method for all business expenses. The benefits include:

  • Generous redemption of points across a wide range of merchandise
  • HK$1 spent = 1 Membership Rewards point
  • Membership Rewards points have no expiry date³
  • Redeem points online for a range of items, from Gift Vouchers² to experiences, to electronics.

Terms and Conditions
1.An annual Membership Rewards fee applies and enrolment is not automatic. Subject to the Terms and Conditions of the Membership Rewards programme available here. There may be tax implications associated with your participation in the Membership Rewards programme. You are advised to check with your accountant or tax advisor for further information.
2.Gift vouchers are issued subject to the Terms and Conditions of the Gift Card issuers.
3.There is no expiry date for points while participating in the Programme, provided, however, American Express reserves the right to institute an expiry date for points whether points have been already accrued or accrued thereafter

Online Services

American Express offers Cardmembers secure and convenient services 24 hours a day, 7 days a week, 365 days a year, to manage their Corporate Card online, including:

Manage Your Card Account (MYCA)
A complimentary service that helps Cardmembers review and reconcile their expenses online, without having to wait for monthly Corporate Card statements. The MYCA service:

  • Allows access to account information 24 hours a day, 7 days a week, 365 days a year
  • Tracks current charges and payments, and shows statements for the past 6 months
  • Tracks unbilled balances and new charges
  • Allows Cardmembers to review their Membership Rewards balance¹.
  • Allows change of Cardmember mailing address.

Cardmembers should register for Manage Your Card Account here.

1. Subject to Cardmember enrolment in Membership Rewards.

Online Statements
Enrolment for Online Statements requires individual action by each of your Cardmembers and takes just a few minutes. To ensure your Cardmembers receive their monthly Corporate Card statements online, they need to enrol in Manage Your Card Account here and select the Apply Online Statement delivery option during regisation. Activation is immediate and your next statement will be available online.

Online Statements provide your Cardmembers with the ability to access statement and Account information from anywhere in the world, 24/7, via the internet. This brings greater convenience, speed and simplicity to their day-to-day expense management.

Membership Rewards
Cardmembers can do the following online:

  • Review their Membership Rewards points balance
  • Browse the Membership Rewards catalogue
  • Transfer Membership Rewards points to one of the participating partner programmes or redeem their favourite rewards.

Online fraud protection and guarantee

Cardmembers can make purchases over the Internet secure in the knowledge that the American Express Corporate Card will guarantee protection against fraudulent transactions on your Card, provided you have taken responsible care and as long as we are notified immediately¹ after discovery of any fraudulent transactions, in compliance with Card Terms and Conditions.

For more details click here.

American Express SafeKey has also been introduced to further enhance online transaction security. It is an added security measure to safeguard your online purchases for your peace of mind. Click here to learn more.

1. Immediately means as soon as one is aware but no later than on or before the payment due date of the statement on which the fraudulent transaction appears.

Global Assist

For legal and medical emergencies while travelling, Cardmembers can call the free Global Assist service that will connect them with an English-speaking lawyer or doctor. The service is available 24 hours a day virtually anywhere in the world, whenever Cardmembers travel more 200km from home, for up to 90 days.

To contact Global Assist, please call (+852) 8206 8301 (English) or (+852) 8206 8302 (Chinese).

Worldwide Customer Care™ Services
Cardmembers who book their travel through one of our American Express Travel Service or Representative Offices enjoy the support of our extensive American Express Worldwide Customer Card services in over 2,200 Travel Service locations in more than 140 counies and territories worldwide. Our friendly, highly ained staff will help with the following services:

  • Reconfirmation of air-tickets
  • Sight-seeing arrangements
  • Hotel and car rental reservations
  • Flight rescheduling.

Corporate Cash

Cardmembers enrolled in the Corporate Cash service can use their Cards to access cash from ATMs worldwide. The cash withdrawal is billed to individual Corporate Card Accounts and appears as a charge on the next statement following the withdrawal. A transaction fee applies to each withdrawal (see below).

Access to the Corporate Cash service is not automatic. Your Company needs to register for this service and Cardmembers must then enrol individually with American Express. In addition, proof of identity to comply with government requirements may be required.

Transaction fees Limits
HK$ 5% of total transactional amount + HK$10 HK$5,000 every 7 days 1

Cardmembers will be informed via post when they have been enrolled the Corporate Cash service successfully and will be supplied with a PIN. To strengthen security controls on ATM services, as mandated by the Hong Kong Monetary Authority (HKMA), enhanced security measures will also be adopted for overseas ATM cash advance services. With effect from 15 October 2013, please note the Overseas Corporate Cash service capability will be pre-set as de-activated. If Cardmembers wish to continue to make cash withdrawals from outside of Hong Kong with the Card, they must activate the capability in advance and specify an expiration date for the activation period. They will also have the option to lower their cash withdrawal limit for the Card. To ensure that they are able to continue to make withdrawals overseas, they need to activate the Overseas Corporate Cash service via the channels below:-

Activation Channels
Activate Overseas Corporate Cash service and set an activation period for overseas cash withdrawals
*Please note that activation is not required for local cash withdrawals.
• Log in to your Online Services account or
• Call the Customer Service Hotline at 2277 1088
Set a lower Corporate Cash withdrawal limit Call the Customer Service Hotline at 2277 1088

If your Company or Cardmembers wish to enroll in the Corporate Cash facility, please click here to download the enrollment form for applications. Please note that Cardmembers cannot delegate a colleague in their Company to enroll them on their behalf.

Note : 1. From 17 September 2013, the default maximum Corporate Cash withdrawal limit on the Card will be changed to HK$5,000 every 7 days. Please note that this limit includes your total overseas and local cash withdrawals.

Complimentary Business Travel Accident Insurance

The American Express Corporate Card programme provides several travel-related insurance¹ benefits to Cardmembers for no additional charge.

Complimentary Business Travel Accident Insurance¹ providing accidental death and dismemberment insurance is automatically provided when common carrier tickets are charged to the Corporate Card. This provides your employees with peace of mind knowing that they are covered in the case of an accident for business trips from their departure, throughout their ip (up to 30 days) and until they return. Additionally they receive limited coverage for personal trips charged to the Corporate Card undertaken while on a wider business trip.

Maximum coverage is shown in the table below:

Maximum Coverage Corporate Card HK$ Corporate Card US$ Gold Corporate Card HK$ Gold Corporate Card US$
Business Travel Accident Insurance HK$1,500,000 US$200,000 HK$2,000,000 US$270,000
Accident Medical Expenses Extension HK$195,000 US$25,000 HK$250,000 US$32,000
Baggage Insurance N.A. N.A. HK$40,000 US$5,000
Hijack extension
After first 24 hours HK$19,500 US$2,500 HK$19,500 US$2,500
After first 72 hours A further HK$39,000 A further US$5,000 A further HK$39,000 A further US$5,000
Travel Inconvenience Insurance
Flight Delay HK$2,500 US$320 HK$3,500 US$400
Missed Connection HK$2,500 US$320 HK$3,500 US$400
Luggage Delay HK$2,500 US$320 HK$7,800 US$1,000
Lost/Stolen Luggage HK$8,000 US$1,000 HK$10,000 US$1,400

Corporate Card
Business Travel Accident Insurance – When travel tickets for a scheduled carrier are charged to the Corporate Card, you automatically receive comprehensive Travel Accident Insurance at no extra cost.

Travel Inconvenience Insurance – This provides reimbursement of refreshments, accommodation, and essential clothing due to a delayed or cancelled flight, missed connections, luggage delay or lost luggage when the travel ticket has been charged to the Corporate Card.

Corporate Gold Card
Accident Medical Insurance – This provides for reimbursement of medical expenses incurred as a result of injury sustained while travelling on business.

Insurance for Baggage and Personal Possessions – This provides reimbursement for or replacement of lost/damaged/stolen baggage while travelling on business on a common carrier.

Travel Inconvenience Insurance – This provides reimbursement of refreshments, accommodation, and essential clothing due to a delayed or cancelled flight, missed connections, luggage delay or lost luggage when the travel ticket has been charged to the Corporate Card.

This is a summary only. Please click here for the full Insurance Terms and Conditions for details.

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 by law. Exclusions and limitations apply. Please refer to your Travel Protector plan for details.

American Express LIVE Hong Kong

American Express LIVE Hong Kong program gives you access to savings and offers exclusively for our Cardmembers. The latest rewards cover dining, shopping and lodging deals around the globe. Open the door to these indulgence with your American Express Cards now.

For the latest offers, click here.

*Terms and Conditions apply.