Maximize savings, reduce costs

With the American Express Corporate Card program, reduced transaction costs and shorter processing times save

your company money, while tailored billing and payment options, increased spend visibility and liability protection

give you more financial control across the entire business.


Drive savings through improved supplier negotiations

American Express @Work gives you better visibility of what you spend and where you spend it, giving you the upper

hand in contract and supplier negotiations.

Take control while driving efficiencies


The American Express Corporate Card program is a powerful and flexible tool that maximizes the efficiency of your

expense management program.

Keep track with better management information

With American Express @Work you can get a clearer picture of your Company finances and unlock your expense

management potential. A combination of unique financial tools - including best practice reports, options to customise

reporting for your Company and enhanced data files that sync with your current financial systems allow you to see

things others don't and get the most from your data.

Billing and payment options for greater flexibility

With the power to coordinate bill payments with your Company's payroll periods and reimbursement schedules,

your Company can greatly improve its financial efficiency.

Cardmember statements can also be made the responsibility of individual Cardmembers, significantly reducing

your Company's administrative workload.

Protect your bottom line with Liability Protection

The American Express Corporate Card program from CMB has two liability options, full company responsibility for

changes and individual Cardmember responsibility for changes.

Benefits for your employees

We know how important it is for large organisations to retain the best staff. So we provide a range of Cardmember

rewards and services to meet the needs of all your employees, from the occasional domestic traveller to the

frequent international traveller.


Membership Rewards Program-Enrollment Requirements

Enrolled Members will accrue one (1) point for every 20RMB or US$2 expense.

Enrollment fee is 10RMB per year.

Enrollment: Logon to Online Banking or call 400-820-5558 to join the program.

For Company Liability programs, eligibility is based upon your Company’s participation in the Membership Rewards

Program; For Individual Liability programs individuals can choose to join the Program.



Manage your account online

Cardmembers can manage their Corporate Card accounts online securely, immediately and conveniently 24 hour

a day, 7 days a week:

- Check bills and pay the balance online.

- Join the Membership Rewards program.

- Enquire about Membership Rewards accrued.



Extra protection for travellers

Cardmembers automatically enjoy comprehensive protection after applying for the Corporate Card successfully.

The protection includes: Accidental Death and Dismemberment (Accident must occur in a common carrier),Travel

Inconvenience Insurance, Medical Reimbursement.



The convenience of global access

Our Corporate Card can be used on both the China Union Pay network and the American Express global network.

In addition, other overseas emergency support services are also available:

- Emergency Card Replacement (Only for individual liability program)

- Foreign currency exchange

- Cash and Traveller’s Cheque access

- Putting Cardmembers in touch with English-speaking doctors and lawyers



Product Specific Benefits

Our Corporate Card products have different levels of benefits that vary depending upon card type, Compare Cards.

With our solutions, you can create a consistent program anywhere you do business

American Express delivers secure worldwide data consolidation through a global network. And with Online Services,

you can access the information anywhere around the globe 24/7 in a secure web-based environment.



As a multinational company, American Express understands the complexities and challenges of doing business on a

global scale. We've also helped some of the world's biggest and best companies effectively manage their Corporate

Card programs. That experience, backed by local knowledge from China Merchants Bank, allows us to deliver a

superior level of business insight and consultative expertise.