You’re invited to enjoy a {(Promotional_Interest_Rate)} interest rate for {(Promotional_Duration)} months

Your American Express® Credit Card is always looking for new ways to make your life more convenient and rewarding. Your Card ending in {(last_5)} has been chosen to receive our special promotional Annual Interest Rate of {(Promotional_Interest_Rate)}* on new purchases for up to {(Promotional_Duration)} months. Enjoy more flexibility and get even more from your spending.

To enjoy this special rate, simply sign up with your promotion code:
{(RSVP_ID)} on or before May 25, 2024.

Upon successful enrollment, you can easily save on interest payments and optimize your spending power when you choose to carry a balance over. Act now to take advantage of this limited-time offer!

Terms and Conditions apply, please refer to the details at the bottom of the page.

*  

The APR is calculated based on a set of assumptions and the actual APR may vary, and is for your ease of reference only. An APR is a reference rate which includes the basic interest rate and other fees and charges of a product expressed as an annualised rate. The rate is rounded off to the last 2 decimal places. Please refer to your statement for the dynamic G&S promo annual rate.

1.

You are eligible for a Promotional Interest Rate of {(Promotional_Interest_Rate)} (“Special Promotional Offer”) for the purchases of goods and services (overseas and local spending) that are charged and posted to specified American Express Credit Card as mentioned in this email (“Eligible Card”) during the Promotion Period (as defined in Clause 2 of the Terms and Conditions), provided that the Eligible Card account carry a balance remaining after the payment due date for each statement of the eligible card during the Promotion Period.

2.

You must enroll the Special Promotional Offer by May 25, 2024 at here. If you do not enroll by this date you will not be able to benefit from the Special Promotional Offer. The Promotional Period commences from the next day you enroll and finishes at 11:59 PM (HKT) {(Promotional_Duration)} months later (“Promotional Period”).

3.

During the Promotional Period, if at any time we do not receive your Minimum Payment Due shown on the monthly statement by the Payment Due Date, the Promotional Interest Rate will be revoked immediately without any prior notice. The rate applicable to the balance that was subject to the Promotional Interest Rate will depend on the review criteria set out in the Fees and Charges Schedule.

4.

The APR is calculated based on a set of assumptions and the actual APR may vary, and is for your ease of reference only. An APR is a reference rate which includes the basic interest rate and other fees and charges of a product expressed as an annualised rate. The rate is rounded off to the last 2 decimal places. Please refer to your statement for the Dynamic Good and Service promo annual rate.

5.

Annual membership fees, outstanding Finance Charges, any spending in excess of your Credit Limit, charges for returned payments, or late payment charges are not purchases and do not qualify for the Promotional Interest Rate.

6.

You must pay us in the currency in which we bill you. When applying your Minimum Payments, you agree that we may apply it in whichever order we determine in our discretion. For payments in excess of your Minimum Payment, we apply it first to the balance with the highest Finance Charge, and then to balances with lower Finance Charges in descending order.

7.

The Special Promotional Offer is not applicable to any existing retail purchase spend and charges made under an interest-free instalment program at any time will continue to accrue interest at the prevailing rate during and after the Promotional Period.

8.

Any remaining balance (including any balances to which the Promotional Interest Rate applied) on your Card Account after the end of Promotional Period will be charged interest at the prevailing rate applicable to you. Your updated balance will be reflected in your first statement after the end of Promotional Period.

9.

The Terms and Conditions contained herein form part of the American Express Credit Card Cardmember Agreement governing the use of the Credit Card, and shall be interpreted accordingly.

10.

The Eligible Card Account must be in good standing during the Promotional Period. We reserve the right to withdraw this offer on your account without any prior notice if your account is not in good standing. The rate applicable to the balance that was subject to the Promotional Interest Rate will depend on the review criteria set out in the Fees and Charges Schedule. This may mean in certain instances, that the non-Promotional Rate will be applicable immediately.

11.

In case of any enquiry related to this offer, please call the 24-hour enquiry hotline shown at the back of your card or our customer service hotline at 2277 1010.

12.

American Express International, Inc. (“American Express”) reserves the right to change the Terms and Conditions of this promotion, suspend or terminate this promotion at any time, with or without prior notice.

13.

American Express is not responsible for any enrollment delays due to system instability.

14.

In the event of any dispute arising from this promotion, the decision of American Express shall be final.

15.

If the English version of these Terms and Conditions is inconsistent with the Chinese version, the English version shall prevail.