New Black American Express® Card with Contactless Payment Function

You can use American Express contactless credit card at any merchant displaying the Contactless symbol on the contactless payment reader. It's widely available at most of the fast food restaurants, gas stations, convenience stores, pharmacies, stadiums and more.

To ensure that using contactless is as simple and convenient as cash, merchants that accept contactless payment do not require you to sign for small purchases (HK$1,000 or below). However, for your protection, purchases over HK$1,000 generally require a signature or PIN.

There is no additional fee for using American Express contactless function for payment.

To authorize a payment, you must hold your card directly within 1 to 2 inches of a secure reader that accepts American Express contactless payments. It shall be correctly oriented for the transaction to go through too. Only readers at authorized merchants can process the information on the American Express with contactless function.

The American Express contactless function provides cardholders the same protections as other American Express credit card without contactless feature. You'll enjoy the peace of mind that comes from multiple layers of American Express security, which protects you from fraudulent use of your card or account information.

First, make sure that the merchant accepts contactless payment - you should see the contactless symbol on the contactless reader. If the merchant accepts contactless payment and the transaction still fails, American Express credit card customers can swipe to pay, since the card has magnetic stripe functionality in addition to contactless payment function.

Same credit card number will be used for the new American Express contactless credit card and all the Direct Debit authorized transactions will be carried to the new American Express contactless credit card automatically.

No. Same liability will be applied on the American Express contactless credit card as per your current card.

In general, as long as you have no fraudulent or gross negligence, if the transaction is made without your authorization, the Bank will execute the relevant procedures in accordance with the Security Procedures section of the Customer Terms. It is only responsible for the amount of credit card used before the Bank receives the lost or stolen credit card notice.