Card Issuers

American Express

Card Type

Credit Card

Gold Credit Card

Cash Advances

Handling fee

% of Amount

2.9% ($30)

Fixed charge

-

Interest rate (per annum)

21.9%

21.99%

First Date of Interest Accrual

A

Retail Purchases

Interest rate (per annum)

21.9%

21.99%

First Date of Interest Accrual

T

Can rollover accounts (not repaid in full) enjoy the interest-free period for new transactions?

No

Late charge

% of Minimum Payment

5% ($50-$120) 
(If account is overdue twice or payment cheque returned once within 6 months, interest rate will be adjusted upwards to 29.99% p.a.)

Balance Transfer

Interest rate (per annum)

First 4 months︰15.9% [21.9%] 
Afterwards: 21.9%

First 4 months︰11.9% [21.99%]
Afterwards︰21.99%