American Express Essential® Credit Card
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American Express · AMEX
The American Express Essential® Credit Card is a credit card from American Express on the American Express network. It has an annual fee of HK$0.
Verified 8 Oct 2026
Key facts
- Annual fee
- HK$0
- Purchase APR
- 35.96% APR
- Foreign transaction fee
- 2%
- Network
- AMEX
Benefits and perks
- 3 Membership Rewards points per HK$1 on foreign currency spending.
- Up to 2.5 points per HK$1 on Hong Kong dollar spending, after enrolling in the Local Spend Bonus Program.
Questions about the American Express Essential® Credit Card
What is the annual fee on the American Express Essential® Credit Card?
The American Express Essential® Credit Card has an annual fee of HK$0.
Is the American Express Essential® Credit Card worth it?
The American Express Essential® Credit Card is worth it when the rewards you would earn on your own spending exceed its annual fee. Upload a statement to Woodo and the calculation runs against your real categories rather than an assumed budget.
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