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I had the HK Amex Plat card when the annual fee was $7800 (around £780-800), with the welcome bonus I could have made it to be cost-neutral. The next year the fee increased to $9500 – even with any retention points offer there’s no chance for keeping the card to be worthwhile, so I cancelled it promptly when the fee is billed. The severely-restricted scope in concierge service also made the card worse than any Visa/Master premium-grade card (namely no international restaurant booking service).
The only sweet spot in AMEX HK is the Explorer card – no admin fees for transferring to airlines and 8-time HK Airport lounge access. There’s still an annual fee but so far (this year included) I have been managed to call and get it waived.
The credit card market in Hong Kong is very different than UK or US – the annual fee are generally waived when you call them (only a handful card had enforced annual fee), some bank even offer online chat/form to save everyone’s time – It’s all just a formality. Having said that, there’s limited options to earn Avios in Hong Kong (most offer options to Asia Miles only) – HSBC HK and AMEX are the major players.
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