Whether you’re renovating your home or simply want to treat yourself to a big purchase, an Overlimit Facility gives you more flexibility in how you manage your finances.

With our Overlimit Facility, you can enjoy peace of mind even if you need to occasionally exceed your credit limit as your payments will be manageable.
After opting in to the Overlimit Facility successfully, our system will analyze your spending history and approve your overlimit transaction accordingly*.

Register now to opt in to the service and enjoy the peace of mind you deserve.

* Please note that only Cardmembers who have provided a valid mobile number or email address will be eligible for the Overlimit Facility. American Express reserves the final right on the Overlimit Facility approval and the overlimit transactions.

By clicking 'Register now', you agree to opt in to the Overlimit Facility for your Basic Card
(Account ending: %%INTL_LAST5%%) and Supplementary Card, an overlimit fee will be charged when the outstanding balance exceeds your credit limit on the cycle cut date. Please refer to the
Cardmember Agreement and Fees and Charges Schedule for full details.

By agreeing, you will be opted in to the Overlimit Facility within one month and you can withdraw your consent anytime. If you hold more than one Card, you will need to check the Overlimit Facility status for each Card account by calling the number on the back of your Card.