American Express Hong Kong insurance referral: Amex insurance referral — up to 15,000 points
If you hold an eligible American Express Hong Kong Card, Enter the 15-digit number of that Card on the official insurance referral page, then buy a designated new policy through the unique route: 5,000 Membership Rewards points for Single Trip travel cover, or 15,000 for the listed annual travel, critical-illness, hospital-cash and personal-accident plans. This is a proper insurance purchase, not a free cash sign-up; points can take up to 15 weeks to land.
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Use the referral link for the American Express Hong Kong Insurance offer. New eligible customers can get Up to 15,000 pts after meeting the requirement: Designated new policy: 5,000 points for Single Trip travel; 15,000 for Asia-Pacific or Worldwide Annual Multi-Trip (not Greater Bay Area), critical-illness, hospital-cash or personal-accident cover; pay with the referee's eligible Amex Card. Last verified 2026-11-11.
- Reward
- Up to 15,000 pts
- Referral code
- No code required
- Last verified
- 2026-11-11
- Difficulty
- Medium
- Time to claim
- 10–20 minutes to check the Card and request a quote
- Time to payout
- Within 15 weeks of the policy purchase date, into the referee's eligible Basic Card account
Ad / referral links — we may earn a bonus when you sign up.
How to claim
- Open Amex's official insurance referral page and enter the 15-digit number of your eligible HK Card. Blue Cash, US Dollar, Corporate, partner-issued and overseas-issued Cards are out, so check first.
- Read the live quote, premium, levy, cover and exclusions for the plan you actually want. Reward points are not insurance advice; Chubb's policy contract is what controls the cover.
- During 1 January–31 December 2026, enrol in a new designated policy through this unique referral route. Renewals and policies bought through another channel do not count.
- Pay with the referee's own eligible Amex Card, then keep the Basic Card account open and paid up. No self-referring and no trying to turn a Supplementary Card into a second reward.
- Watch the Membership Rewards account after the policy purchase. Amex says points arrive within 15 weeks; keep the terms and policy documents and chase Amex only if that window passes.
Eligibility & requirements
- Both sides need eligible Hong Kong-issued Amex Cards. Blue Cash, the US Dollar Card, Corporate Cards, Business Travel Accounts, partner-issued Cards and overseas-issued Cards are excluded.
- Enter the correct Card number and enrol through the unique referral page between 1 January and 31 December 2026.
- Single Trip Travel Protector pays 5,000 points; Asia-Pacific or Worldwide Annual Multi-Trip (not Greater Bay Area), Critical Illness Protector, Hospital Cash Plus and Personal Accident Protector pay 15,000.
- New policies only, with the premium settled on the referee's eligible Amex Card. Renewals do not qualify.
- Self-referrals, Basic-to-Supplementary referrals and referrals between Cards held by the same Cardmember are excluded; only the link used for each policy counts.
- The Basic Card account can receive the offer for up to 10 successful referrals in a calendar year; Supplementary Card enrolments count under it.
- Points land within 15 weeks of the policy purchase date while the Basic Card account is open and not past due. A later full refund can let Amex claw back the reward value.
- Chubb underwrites the cover and Amex is its appointed insurance agency (FA3113). Decide on the policy itself, not the points.
Verification notes
- Minimum spend/deposit
- Designated new policy: 5,000 points for Single Trip travel; 15,000 for Asia-Pacific or Worldwide Annual Multi-Trip (not Greater Bay Area), critical-illness, hospital-cash or personal-accident cover; pay with the referee's eligible Amex Card
- Last verified
- 11 November 2026
Provider terms can change without warning. Treat this as a verification snapshot and confirm the live terms before applying.
Pros
- Up to 15,000 Membership Rewards points, with a 5,000-point Single Trip option.
- The official page spells out the plan list and the 15-week timing.
- A handy extra if travel or health cover is already on your list.
- The route opens Amex's own marketplace and its current quotes.
- Points go to the Basic Card account rather than a single-store voucher.
Watch out for
- You are buying insurance and paying a real premium; signing up alone pays nothing.
- Points are not cash, and their value depends on your Membership Rewards redemption.
- Greater Bay Area annual cover misses the top tier, while Single Trip is only 5,000 points.
- Hong Kong Card eligibility is narrow and several Amex products are excluded.
- The wait can be 15 weeks, and a full policy refund can reverse the reward.
- Chubb's premium, exclusions and cancellation rules still decide whether the policy is sensible.
FAQ
- What does the Amex insurance route pay?
- Single Trip pays 5,000 points. The listed annual Asia-Pacific or Worldwide travel, critical-illness, hospital-cash and personal-accident plans pay 15,000; Greater Bay Area annual cover is left out.
- Is entering my Card number enough?
- No. It registers the route, but you must buy a new designated policy through it during the promotion and pay with the eligible Card.
- Do renewals count?
- No. The terms say new enrolments through the unique referral link only; renewals and other channels are excluded.
- When do the points show?
- Within 15 weeks of the policy purchase date, in the referee's eligible Basic Card account, provided it remains open and paid up.
- Can I refer my own Supplementary Card?
- No. That is treated as self-referral, as is using Cards held by the same Cardmember. A Supplementary Card enrolment can count under the Basic Cardmember only.
- What if I cancel and get a refund?
- Amex may debit the reward's equivalent value if the policy is cancelled and fully refunded after it starts. The policy's own cancellation terms apply as well.
Related offers
Provider
Avo
Join Avo Hub, the free membership programme of Hong Kong virtual insurer Avo, through our link with invite code 6F3952891A, and earn bonus points after your first Avo insurance purchase. Avo does not publish how many; points are spent on Avo eMall and have no cash value.
Requirement: Free to join; the bonus points need your first purchase of an Avo insurance product, and Avo publishes no minimum premium
MediumAbout 5 minutes to register, plus your first insurance purchasePayout Purchase points post on the day the premium is paid; Avo does not publish when the referral points arrive, so check Avo Rewards after your first purchase
Verified 3 November 2026
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Book a Standard Chartered Hong Kong Priority Private (優先私人理財) opening through this referral link, which attaches referral code A3872270. New clients who open at a branch between 1 October and 31 December 2026 and deposit at least HK$8 million of new funds in full at sign-up receive HK$27,000 (or 270,000 Asia Miles); Professional Investor status raises this to HK$38,888, or HK$58,888 with HK$15 million or more. The funds must stay until a set date in early 2027 and the tier for 12 months; cash is paid by 30 June 2027.
Requirement: At least HK$8,000,000 of new funds, deposited in full at Priority Private sign-up, with Total Balance kept at or above that amount until the hold date (31 January 2027 for October openings); HK$15,000,000 plus Professional Investor status for the top tier
HardOnline registration plus a branch appointment to open the account; the new funds then stay in place until 31 January to 31 March 2027, depending on the opening monthPayout Cash to an HKD deposit account on or before 30 June 2027; Asia Miles, if registered by 31 January 2027, 4–6 weeks after that date, per Standard Chartered's Priority Private welcome-offer terms
Verified 11 October 2026 · Ends 31 December 2026
Provider
DBS Treasures (星展豐盛理財)
Use referral code H0UQW68U to apply for DBS Treasures between 1 October and 31 December 2026. DBS advertises welcome rewards up to HK$53,800, while its referral terms require a new-to-DBS customer to enter the code, keep an average personal relationship balance of at least HK$1,000,000 from the seventh day after joining through the relevant counting period, and remain a Treasures customer; check the live welcome terms for the exact reward mix.
Requirement: Maintain average personal relationship balance of at least HK$1,000,000 (or foreign-currency equivalent) during the applicable campaign counting period
Hard20–30 minutes to apply, plus the campaign's balance-counting periodPayout Welcome rewards are credited to your DBS current account in February, March or April 2027 for October, November or December joiners; the Securities Transfer-in Reward by 30 April 2027.
Verified 24 October 2026 · Ends 31 December 2026
Added 11 November 2026 · Last updated 11 November 2026. Offers and terms change frequently - always confirm on the provider's site before applying.