Blue Cash® Credit Card from American Express
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CardIQ
Basic
Overall score, out of 100 · How this works
- Cashback71
- No annual fee39
- Rewards0
- Sign-up bonus0
Customer reviews
No reviews yet. Be the first to review the Blue Cash® Credit Card from American Express.
Pros & cons
What's good
- No annual fee.
- Earns cashback on eligible spending.
- No fee to add an additional cardholder.
Worth noting
- The annual fee increases from HK$0 to HK$980 in the second year.
- The 35.96% p.a. purchase rate sits in the most expensive quarter of cards (the median is 32% p.a.) if you carry a balance.
- Requires a minimum income of HK$150,000 a year.
- Earns no rewards points on spending.
Card details
The basics
- Additional cardholder fee
- HK$0 p.a.
- Card tier
- Not published
- Card type
- American Express
- Card use
- Personal
- Credit limit
- Not published
- Credit rating
- Not published
- Rewards program
- None
Eligibility
- Instant approval
- Not published
- Joint application
- Not published
- Minimum age
- 18 years old
- Minimum income
- HK$150,000 p.a.
- Residency
- Hong Kong resident / citizen
- Temporary residents
- Not published
Rates & fees
Ongoing interest rates
- Cash advances
- Undisclosed
- Purchases
- 35.96% p.a.
Fees
- Additional cardholder fee
- HK$0
- Annual fee
- No annual fee
- Annual fee (year 2+)
- HK$980 p.a.
- Cash advance fee
- —
- Foreign transaction fee
- 2%
- Late payment fee
- HK$350
- Over limit fee
- HK$180
Repayments
- Interest-free period
- Up to 56 days on purchases
- Minimum repayment
- The highest of: (i) 1.5% of outstanding principal plus 100% of Finance Charges, interest, fees and all other applicable charges; (ii) 4% of your outstanding balance; or (iii) HK$300, plus any overdue minimum payments and any amount exceeding your credit limit.
Balance transfers
This card has no promotional balance transfer offer.
Introductory purchase offer
This card has no introductory purchase rate offer.
Rewards
Cashback
- Ongoing cashback
- 1.2% on eligible spend
1.2% cash back on all purchases, in town and overseas. Automatically credited to account every month.
Where this card sits vs similar cards
Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.
Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.
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Browse by card type
Compare the Blue Cash® Credit Card from American Express against every other card in its category.
Questions and answers
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Sources
- Credit Card Compare
- Credit card statistics for Hong KongHow CardIQ scores cards
- Issuer
- American Express