American Express Essential Credit Card vs American Express Explorer Credit Card
用通過公開閘門嘅資料比較；每張顯示實際最後核實日期。
American Express Hong KongAmerican Express Essential Credit Card
American Express Essential Credit Card
American Express Hong Kong
American Express Hong KongAmerican Express Explorer Credit Card
American Express Explorer Credit Card
American Express Hong Kong
| American Express Essential Credit Card | American Express Explorer Credit Card | |
|---|---|---|
| 卡類型 | points | 里數 |
| 網絡 | American Express | American Express |
| 年費 | 免年費 | HK$2,200（可豁免） |
| 入息要求 | HK$120,000 | HK$300,000 |
| 最後核實 | 2026年7月20日 | 2026年7月20日 |
| 餐飲 | 0.83% | 3.61% |
| 超市 | 0.83% | 2.17% |
| 網購 | 0.83% | 3.61% |
| 交通 | 0.83% | 2.17% |
| 旅遊 | 0.83% | 2.17% |
| 海外簽賬 | 1% | 2.17% |
| 其他 | 0.83% | 2.17% |
| 迎新優惠 | HK$200 | — |
回贈係發卡行公佈最高資料，可能只限指定商戶／日子或要登記；年費比較用公佈金額，唔假設豁免一定成功。請開卡頁核對共用上限同條款。
邊張啱你？
- 想要餐飲、超市、網購回贈，American Express Explorer Credit Card 較高。
- 年費：American Express Essential Credit Card 較平（免年費）。
- 公開入息門檻：American Express Essential Credit Card 較低；實際批核仍由發卡行決定。
- 迎新：American Express Essential Credit Card 較高（HK$200）。
常見問題
American Express Essential Credit Card 同 American Express Explorer Credit Card 邊張抵啲？
視乎你嘅消費。American Express Explorer Credit Card 喺餐飲、超市、網購公佈最高回贈較高。年費以 American Express Essential Credit Card 較平，公開入息門檻以 American Express Essential Credit Card 較低。指定商戶、登記同上限會影響實際結果。
American Express Essential Credit Card 同 American Express Explorer Credit Card 年費分別係幾多？
American Express Essential Credit Card：免年費；American Express Explorer Credit Card：HK$2,200（可豁免）。
兩張卡入息要求邊張低啲？
American Express Essential Credit Card 入息要求 HK$120,000，American Express Explorer Credit Card HK$300,000。