Amex Explorer HK referral: up to 576,000 points (32,000 miles)Expired
Apply through the Amex Explorer HK referral page; American Express must receive the application by 11 November 2026. HK$8,000 local HKD spend within three months of approval earns 96,000 welcome plus 108,000 Referral Bonus points; the 576,000-point (32,000-mile) example also needs HK$30,000 eligible spend and Local Spend Bonus Program enrolment, with the first HK$15,000 local HKD spend completed by 31 December 2026. Credit involves repayment risk — 借定唔借？還得到先好借！
Quick answer
Use the referral link for the American Express Hong Kong offer. New eligible customers can get Up to 32,000 miles after meeting the requirement: Application received by American Express 20 August–11 November 2026 (no approval deadline); HK$8,000 local HKD spend within three months of approval for 96,000 + 108,000 points; HK$30,000 eligible spend in the same three months, including the first HK$15,000 local HKD spend after Local Spend Bonus Program enrolment and by 31 December 2026, for the 576,000-point example. Last verified 2026-10-11.
- Reward
- Up to 32,000 miles
- Referral code
- No code required
- Last verified
- 2026-10-11
- Difficulty
- Hard
- Time to claim
- 10-15 minutes to apply, plus approval and 3 months of qualifying spend
- Time to payout
- Welcome and Referral Bonus points within 8 weeks of meeting the spend requirement; Local Spend Bonus Program extra points usually within 15 business days, but up to 90 days after the program ends on 31 December 2026
This offer has ended
It had ended by 11 November 2026 and is kept here for reference only. See the live Credit Cards offers instead. Credit Cards →
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How to claim
- Use the Claim button to open the Amex Explorer HK referral page and submit the application online with its Apply now button. American Express must receive it between 20 August and 11 November 2026; once submitted, the chosen offer cannot be changed.
- Check eligibility before applying: Hong Kong resident aged 18 or over, annual income of at least HK$120,000, and no Amex HK basic card currently or held/cancelled within the past 12 months. Approval is at American Express's discretion; the referral terms set no approval deadline.
- Once approved, enrol in the Local Spend Bonus Program before spending; spend made before enrolment never earns its extra points. The program pays extra points only on the first HK$15,000 local HKD spend per calendar quarter and ends on 31 December 2026.
- Within three months of approval, spend HK$8,000 in local HKD and HK$30,000 in eligible transactions in total, using purchases you already need. Complete the first HK$15,000 local HKD spend by 31 December 2026: a November approval has a three-month window running into 2027, for which no program has been published.
- Optional HK$50 statement credit: submit all documents within 7 working days of applying, then make a single net Octopus top-up of HK$600 or more (Octopus on iPhone, Apple Watch or Android) within three months of approval; it does not count towards the welcome spend. Check fees and the cancellation clawback, and repay in full.
Eligibility & requirements
- New cardmember: Hong Kong resident aged 18 or over with a minimum annual income of HK$120,000; no Amex HK basic card currently or held/cancelled within the past 12 months. Approval is discretionary.
- Apply through the referral page's Apply now button; American Express must receive the application between 20 August and 11 November 2026 inclusive. The referral terms set no approval deadline.
- Within three months of approval, HK$8,000 local HKD spend earns 96,000 welcome points plus 108,000 Referral Bonus points, and HK$30,000 eligible spend (local and overseas) earns 282,000 points. The Local Spend Bonus Program has no minimum spend, but you must enrol before spending; it pays extra points only on the first HK$15,000 local HKD spend per calendar quarter and ends on 31 December 2026.
- Only the up-to-90,000 Local Spend Bonus points include basic points, and only on the first HK$15,000 local HKD spend; points on the rest of the HK$30,000 come on top of the 576,000-point example. Stored-value and mobile-wallet top-ups, tax, gas and electricity bills and local auction-house spend do not count towards the welcome spend. Miles depend on transfer rules and award seat availability.
- HK$2,200 annual fee waived in year one; later waiver may apply with HK$150,000 annual spend. Non-HKD spend carries a 2% foreign-currency fee, which does not count towards the welcome spend. Cancellation within 12 months of approval can recover welcome rewards and the first-year fee.
- Welcome and Referral Bonus points are credited together within eight weeks of meeting the spend, while the card is valid and in good standing. Repay in full; interest, fees and excluded transactions apply.
Verification notes
- Minimum spend/deposit
- Application received by American Express 20 August–11 November 2026 (no approval deadline); HK$8,000 local HKD spend within three months of approval for 96,000 + 108,000 points; HK$30,000 eligible spend in the same three months, including the first HK$15,000 local HKD spend after Local Spend Bonus Program enrolment and by 31 December 2026, for the 576,000-point example
- Last verified
- 11 October 2026
Provider terms can change without warning. Treat this as a verification snapshot and confirm the live terms before applying.
Pros
- Up to 576,000 points (32,000 miles) through the referral route, 6,000 miles more than the public application
- First-year annual fee waived
- Amex markets miles earn from HK$1.68 per mile on foreign-currency spend (enrolment, HK$10,000 quarterly cap, ends 31 December 2026; about HK$1.71 per mile after the 2% foreign-currency fee)
Watch out for
- HK$30,000 spend in 3 months is a high bar, and the Local Spend Bonus points need the first HK$15,000 local HKD spend by 31 December 2026
- HK$2,200 annual fee from year two unless you meet the spend waiver
- Not every Hong Kong merchant accepts Amex — check where you spend
- Anyone who held an Amex Hong Kong basic Card in the past 12 months is excluded
FAQ
- What does the up-to-32,000-mile example require?
- American Express must receive your referral application by 11 November 2026. Within three months of approval, spend HK$8,000 in local HKD (96,000 welcome + 108,000 Referral Bonus points) and HK$30,000 in eligible transactions (282,000 points), and enrol in the Local Spend Bonus Program to earn up to 90,000 points on the first HK$15,000 local HKD spend by 31 December 2026. That is 576,000 points, or 32,000 miles at 18,000 points per 1,000 miles.
- Is there an annual fee?
- HK$2,200 with the first year waived. A later waiver may apply with HK$150,000 annual spend; cancellation within 12 months can recover welcome rewards and the first-year fee.
Related offers
Provider
Mox
Use E6BZQ2 during 14 September–20 December 2026 for HK$200 after timely Mox Credit approval and an eligible card purchase. Up to HK$2,000 more requires the programme’s card-spend, savings and investment conditions; the headline total is HK$2,200, and credit and investment carry risk. Credit involves repayment risk — 借定唔借？還得到先好借！
Requirement: HK$200 referral: Mox Credit approved within 30 days of opening and eligible spend within 30 days of approval. Additional rewards depend on Programme 25 credit/spend, savings and investment conditions.
Medium15-30 minutes to apply, plus card approval and qualifying tasksPayout After you successfully apply for a Mox Credit Card and complete the related welcome tasks under live Mox terms — cash rewards (if any) credit to your Mox account per the referral programme schedule
Verified 2 November 2026 · Ends 20 December 2026
Provider
Standard Chartered Hong Kong (渣打銀行)
Apply for Standard Chartered Hong Kong's debt consolidation plan (結餘轉戶計劃), an extra credit line that requires a Standard Chartered principal credit card, through this referral link with code A3872270. The referral terms list a HK$1,000 rebate for HK$200,000 or more over 36 months or more, but their loan dates have all passed, so get the bank's written confirmation first; November 2026 online applications also earn the bank's own HK$800–HK$21,000 rebate. APR 4.67% to 36%. Only borrow to clear debt you can repay: 借定唔借？還得到先好借！
Requirement: Hold a Standard Chartered principal credit card before drawdown. HK$1,000 referral rebate: at least HK$200,000 over 36 months or more, drawn within 3 months of applying. November online rebate: at least HK$100,000, applied for online by 30 November 2026 and drawn within 3 months
Hard15-20 minutes to apply online; the loan is paid out within 5 working days of approvalPayout November online rebate: within 4 months of drawdown, to your eligible Standard Chartered card account. HK$1,000 referral rebate: to your HKD deposit account (or the loan repayment account if you have none), but the referral terms list no current payout date
Verified 3 November 2026 · Ends 1 January 2027
Provider
Standard Chartered Hong Kong (渣打銀行)
Eligible new SC Cathay cardholders who apply through A3872270 by 1 January 2027, with the card issued by 31 March 2027, receive 13,000 referral miles (10,000 plus a 3,000-mile 10th-anniversary bonus) with no spend requirement, credited by 30 June 2027. The standard card's welcome miles (up to 40,000) are separate and need eligible spend in the first 2 months. Credit involves repayment risk — 借定唔借？還得到先好借！
Requirement: No spend for the 13,000 referral miles; welcome miles need HK$5,000, HK$40,000 or HK$110,000 of eligible spend within the first 2 months (Octopus automatic add-value, e-wallet top-ups, bill payments and tax do not count)
Medium10-15 minutes to apply online, plus card approvalPayout Referral miles by 30 June 2027; basic miles monthly after each statement, and the rest of the welcome miles within 5 months of card issue, per Standard Chartered's terms
Verified 11 October 2026 · Ends 1 January 2027
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Added 24 September 2026 · Last updated 11 October 2026. Offers and terms change frequently - always confirm on the provider's site before applying.