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    Compare American Express Credit Card

    Credit Card Application

    American Express credit cards are tailored to meet specific requirements of their customers. There are 12 specific credit cards offered by the bank, which includes two charge cards. The bank provides cashback cards, miles cards, and rewards cards. You can earn cashback/rebate, Rewards Points or KrisFlyer miles depending on the card you own. There are cards that exclusively provide Platinum Privileges in addition to card benefits. The Platinum Privileges includes Love Dining @ Hotels and Love Dining @ Restaurants that offer up to 50% discount on dining, Platinum Golf benefits, American Express Selects, American Express Platinum Dining Program, and access to exclusive Michelin-starred guest chef dinners.

    Besides, you can make use of a host of other card features which include global acceptance and 24/7 customer service who can be reached via phone, email, mail, or text. You’re also guaranteed fraud protection on select American Express credit cards.

    Features and Benefits

    • Amex cards offer coverage for travel inconveniences as well as any medical expenses resulting from an accident while travelling.
    • Get emergency card replacement in the event of a card loss or damage. This facility will be available to you 24/7 whether you’re in Singapore or outside. Also enjoy 24/7 assistance for various situations including medical, financial, and legal, even when you’re hundreds of miles away from your home, with the American Express Global Assist service.
    • Convert your big-ticket purchases into small, manageable monthly instalments with Pay Small, a no-interest instalment payment plan. Tenures available are 6, 12, 18, and 24 months.
    • Manage and monitor your credit card account conveniently 24/7. Simply register online to enjoy complete control over your account. You will be able to access your account online as well as through mobile phone.
    • Enjoy exclusive dining privileges at some of Singapore’s best restaurants and hotels, throughout the year. As part of its “Love Dining” campaign, get up to 50% off your dining bill at over 50 restaurants in the 3city-state.
    • Enjoy complete peace of mind with Amex’s No Worries Guarantee and Online Fraud Protection Guarantee. Get protection against online fraud and damaged goods. Enjoy a return guarantee with your card on purchased goods even at stores that don’t accept them.
    • Amex cards are accepted worldwide due to a truly global network. When you’re outside Singapore, your transactions in foreign currency will be first converted into Singapore dollars (SGD), based on an exchange rate set daily. If the transaction is in the US dollars (USD), it will be directly converted into SGD. However, if it’s in a currency other than USD then it will first be converted into USD before the final conversion into SGD.

    Most Popular American Express Credit Cards

    The popular Amex cards with perks are listed below:

    Card Name Annual Fee Interest Rate for Transactions (p.a.) Interest Rates for Cash Advance Best Used forExplore Card Detials
    Amex True Cashback Card

    AmEx True Cashback Card

    S$171.2 25.9% p.a. 25.9% p.a.
    • Shopping
    • Dining
    Amex Platinum Credit Card

    AmEx Platinum Credit Card

    S$321 25.9% p.a. 25.9% p.a.
    • Dining
    • Lifestyle
    • Shopping
    • Travel
    Amex Platinum Reserve Credit Card

    AmEx Platinum Reserve Card

    S$535 25.9% p.a. 25.9% p.a.
    • Lifestyle
    • Dining
    • Shopping
    • Travel
    Amex CapitaCard

    AmEx CapitaCard

    S$171.2 25.9% p.a. 25.9% p.a.
    • Shopping
    • Dining
    Amex Singapore Airlines KrisFlyer Credit Card

    AmEx Singapore Airlines KrisFlyer Card

    S$176.55 25.9% p.a. 25.9% p.a.
    • Earning Miles and Travel
    • Taxi rides
    Amex Singapore Airlines KrisFlyer Ascend Credit Card

    AmEx SG Airlines KrisFlyer Ascend Card

    S$337.05 25.9% p.a. 25.9% p.a.
    • Earning Miles and Travel
    • Taxi rides
    Amex Singapore Airlines Solitaire PPS Credit Card

    AmEx SG Airlines Solitaire PPS Card

    S$551.05 25.9% p.a. 25.9% p.a.
    • Earning Miles and Travel
    • Dining
    • Taxi rides
    Amex Singapore Airlines PPS Club Credit Card

    AmEx Singapore Airlines PPS Club Card

    S$551.05 25.9% p.a. 25.9% p.a.
    • Earning Miles
    • Taxi rides
    • Lifestyle
    Amex Rewards Card

    AmEx Rewards Card

    S$53.5 25.9% p.a. 25.9% p.a.
    • Shopping
    • Dining
    • Groceries
    American Express Platinum Card
    American Express Platinum Credit Card

    Best for Dining

    • Up to 50% off at more than 60 restaurants across Singapore.
    • Complimentary membership of The Far Card Classic that lets you enjoy up to 50% off your food bill Fairmont Singapore, Swissôtel The Stamford Singapore, and Swissôtel Merchant Court.
    • Exclusive invitations for Michelin starred guest chef dinners.
    AmEx Singapore Airlines KrisFlyer Card
    American Express Airlines KrisFlyer Credit Card

    Best for Travel

    • Get 2 KrisFlyer Miles on every S$1 spent on singaporeair.com, silkair.com, SingaporeAir mobile app, and KrisShop on eligible purchases.
    • Get 3.1 KrisFlyer Miles on every S$1 spent on Uber rides and Grab (cap of S$200 in a month).
    • Insurance coverage of up to S$350,000 for travel accident and travel inconveniences.
    American Express True Cashback Card
    American Express True Cashback Credit Card

    Best for Shopping

    • Enjoy 1.5% cashback on every eligible purchase, with no minimum spending requirement and no cap.
    • Get 3% cashback for the first 6 months on spends up to S$5,000.
    • Access to American Express Global Assist in case of an emergency overseas.

    AmEx Cards Rewards Programmes

    Membership Rewards

    • These points never expire.
    • Exchange your Membership Rewards points for shopping vouchers, dining vouchers, home appliances, and electronics.
    • Reward points are rewarded at varying rates on different Amex cards.
    • You can enrol for the Frequent Flyer Programme and convert the points to Krisflyer or Asia Miles.

    STAR$ Rewards

    • This rewards programme is available on the American Express CapitaCard.
    • Get STAR$5 for every S$1 spent at any time and anywhere.
    • Get 6x STAR$ on purchases at participating merchants in select CapitaLand malls.
    • STAR$ can be redeemed for a CapitaVoucher.
    • Get an extra 10x STAR$ when you shop at certain outlets at participating CapitaLand malls.

    Complimentary Privileges

    • Free Wi-Fi at various hotspots in more than 100 countries.
    • Complimentary green fees at various golf clubs in SG and overseas.
    • Complimentary drinks at various night clubs in Singapore with the Platinum Credit Card.
    • Membership of the Far Card Classic with the Platinum Card & Platinum Reserve Card.
    • Aaccess to Towers Club, a private Members-only club, with the Platinum Reserve Card.
    • Four complimentary access to SATS Premier Lounge (Singapore) and Plaza Premium Lounge (globally) every year with the KrisFlyer Ascend Card.
    • Parking for 3hr/Day at the participating CapitaLand Malls on spending at least S$1,200 in a month with the CapitaCard.

    Amex Card Hotlines: American Express maintains a designated hotline for most of its credit cards. Check it out on this page.


    AmEx Card Eligibility Requirements

    Satisfy the following criteria to qualify for a card of your choice:

    Amex Cards Minimum Income for Citizens and PRs (p.a.) Minimum Income for Foreigners (p.a.) Minimum age Other criteria
    Platinum Card & KrisFlyer Ascend Card S$50,000 S$60,000 21 years NA
    Platinum Reserve Card S$150,000 S$150,000 21 years NA
    Solitaire PPS Card and PPS Club Card S$30,000 S$60,000 21 years Singapore Airlines Solitaire PPS principal membership
    True Cashback Card, CapitaCard, KrisFlyer Credit Card, and Rewards Card S$30,000 S$60,000 21 years NA

    Documents Required

    Salaried individuals:

    • Singaporeans and permanent residents must submit a photocopy of the NRIC (both front and back).
    • Both primary and supplementary card applicants must submit the most recent Income Tax Notice of Assessment along with the most recent computerised payslip, as an income document. Alternately, the last 3 months’ computerised payslips can be submitted.

    Self-employed individuals:

    • Submit a copy of your NRIC (both front and back).
    • Submit your Income Tax Notice of Assessment for the last two years.

    Foreigners:

    • Primary card applicant has to submit a copy of passport and employment pass. Supplementary card applicant can simply submit a copy of passport.
    • Provide proof of residence. You can submit a copy of your utility or phone bill.
    • Submit the most recent Income Tax Notice of Assessment along with the most recent computerised payslip. Alternately, computerised payslips of the last three months can be submitted.
    American Express Credit Card

    Security Features

    • All Amex cards come with deactivated magnetic stripe for overseas usage. Get it activated in order to use your card overseas at magnetic stripe terminals or for cash withdrawal.
    • SMS/email alerts are generated every time a transaction worth S$1,000 or more is performed on your card. This threshold limit can be changed online.
    • Get a notification whenever you make any changes to the personal information on your account such as mobile number or billing address.
    • Get a one-time password for your transaction validation when you shop at American Express SafeKey merchants. The password is sent via SMS or email.
    • The company is also migrating all its cardholders to EMV (Europay, Mastercard, and Visa) smart chips. If you still have an Amex card that supports magnetic stripe technology only, your new EMV card could be arriving soon. EMV cards provide better protection against fraudulent transactions.

    AmEx Increase Credit Limit

    • The credit limit on your card can be increased temporarily under certain circumstances.
    • You’ll have to be a cardmember for a minimum of six months before applying for this facility.
    • Get in touch with a customer service executive from the bank to know more.

    Things to Know About Amex Credit Cards

    What Reward Programmes Are Offered?

    Membership Rewards Programme, STAR$, Love Dining, American Express Selects & Others

    Apart from the Membership Rewards Programme and the STAR$ programme described above, here are the other benefits available with American Express cards:

    • American Express Selects: Special deals at restaurants the world over.
    • American Express Global Dining Programme: Special offers on food at popular restaurants.
    • Love Dining@Hotels: Up to 50% savings on food bills at select five-star hotels.
    • Love Dining@Restaurants: Up to 50% off food bills on hand-picked selections at select restaurants.
    • The Far Card Classic Membership: Up to 50% savings at select restaurants when charged to your Platinum Express card.
    • KrisFlyer Miles: Earn KrisFlyer Miles on all eligible charges to your card for privileges and discounts on ticket prices. Also earn bonus miles on first spend.
    • Charter Membership: Special privileges reserved for the most-valued American Express Gold Card Members which include personal assistance and extended purchase protection.

    How to Redeem Points?

    Using Membership Rewards Portal

    You can earn and redeem points in the following ways:

    • Membership Rewards Points are offered on eligible spends charged to select cards. These points can be redeemed through the designated rewards catalogue portal - https://catalogue.membershiprewards.com.sg/index.mtw. You may also convert your points into frequent flyer miles that can be used at more than 40 partner airlines for travel benefits. Points can also be used to offset payment of card bills. Don’t forget to link your card(s) to your membership reward account.
    • STAR$ points are credited to your CAPITASTAR account and can be redeemed for CapitaVouchers. These vouchers can be used at CapitaLand Malls. You can earn extra STAR$ reward points at select merchants through the STAR$ Xtra Programme. Find out more about the participating merchants at http://promotions.americanexpress.com.sg/star-xtra. You may also get CapitaVouchers on approval of supplementary cards or as activation gift on new principal cards.

    How to Redeem Miles?

    Reward points earned can be converted in blocks or batches to frequent flyer miles against a certain fee. However, with the KrisFlyer Miles cards, you can directly earn the miles in the Singapore Airlines KrisFlyer Account. By linking your card to a partner airline frequent flyer miles programme, you can easily accumulate miles in your account and use them to enjoy travel benefits and discounts on prices. Some of the popular miles programmes are:
    • Asia Miles programme.
    • Emirates Skywards programme.
    • Singapore Airlines KrisFlyer programme.
    • British Airways Executive Club programme.

    How to Use the Internet Banking Login?

    Activities that you can perform with your online banking account are:

    • Paying card bills.
    • Activation of card.
    • Checking account summary.
    • Applying for a supplementary card.
    • Checking and updating important details.
    • Activating and deactivating overseas usage of card.
    • Redeeming membership points for gifts and benefits.
    • Checking the current and outstanding balance on credit card.
    • Referring a friend for a card and earning bonus reward points.

    You can register for this free service in three simple steps. All you need are user ID and password.

    How to Check Unbilled Transactions?

    Internet Banking/Amex Mobile App

    Unbilled transactions can be checked through the following modes:

    • By using your internet banking credentials.
    • By using the American Express mobile app.

    How to Check the Reward Points Earned?

    Monthly Statement/Mobile App/Rewards Portal/Internet Banking

    Check your accumulated reward points through:

    • Credit card bill.
    • Mobile banking app.
    • Reward redemption portal.
    • Personal internet banking account.

    How to Check the Points and Miles That Are About to Expire on Your Card?

    Monthly Bill/Internet Banking/Frequent Flyer Account
    • Check your monthly card statement.
    • Check your internet banking account.
    • Check your frequent flyer account on the respective airlines.

    How to Pay Taxes Using American Express Credit Cards?

    Use GIRO/SAM Machines
    • Set up an interbank GIRO transfer standing instruction.
    • Use your card to pay through SAM.

    Is There a Mobile App for American Express?

    Yes

    Maintain complete control on your financial transactions and account details with the American Express Mobile App. You can download it from either the iTunes App Store or Google Play depending on the operating system that your mobile phone uses. You can use this app to do the following:

    • Check your daily spends.
    • View your transactions history for up to six months.
    • Get a quick snapshot of your account information.
    • Get quick access to your account with a swift touch of your finger. This feature is available on Apple iPhone 5S and later devices that support iOS8+.
    • Get statement credit by redeeming your Membership Reward Points.

    Does Amex Offer Invitation-Only Credit Cards?

    Yes – Platinum Charge Card

    American Express offers the American Express Platinum Card as an invite-only card. This is a charge card which offers access to exclusive events and private clubs, personal concierge service, year-long discount on food bills at select restaurants, VIP lounges at airports, airline privileges, golf privileges, and lifestyle privileges among other things.

    How to Check Status of My Requests?

    Call Amex Customer Care Helpline

    Check status of your requests by calling the company’s helpline. You may also get updates for some special requests through your personal internet banking account or your mobile app.

    How to Make Payments Using Cheques?

    If you’re paying your monthly card bill through cheque, do the following:

    • Don’t forget to cross the cheque and sign underneath.
    • Fill in the details in the relevant fields and add details like name, account number, card number, etc. at the back of the cheque.
    • Tear off the payment advice at the bottom of the statement.
    • Enclose it with your cheque and return it to the company.
    • Use the business envelope attached with the monthly statement for sending your cheque.

    How to Convert Bill to Instalment Payment Plans?

    You can authorise Amex to make instalment payments on recurring bills such as:

    • Insurance
    • Utility bills
    • Select partner merchants

    If you wish to stop instalment payments, intimate the company of the same. In case of card cancellation or suspension, Amex will withhold or stop making payments of recurring bills and other instalment payments.

    Are There Referral Programmes?

    amex has the member-get-member referral programme for most of its cards.you can refer up to 50 persons eligible details are as follows

    • American Express Platinum Credit Card, Platinum Reserve Credit Card, Rewards Card, Gold Card, and Personal Card: Refer friends to get the Platinum Credit Card, and earn 4,000 points. Your friend earns 6,000 points once his/her card is approved.
    • American Express CapitaCard: Refer a friend and win 30,000 STAR$ equivalent to S$30 CapitaVouchers. Your friend gets 20,000 STAR$ equivalent to S$20 worth of CapitaVouchers for signing up through the referral programme.
    • American Express Singapore Airlines KrisFlyer Credit Card, KrisFlyer Ascend Card, PPS Club Credit Card, Solitaire PPS Credit Card: Earn enhanced referral of 2,000 KrisFlyer miles for referring a friend to the KrisFlyer or KrisFlyer Ascend cards. Your friend gets 1,500 KrisFlyer miles.
    Visit the dedicated page on the bank’s website to learn more about the various referral programmes and to refer friends using your login details.

    About American Express Bank

    American Express, also known as Amex, is a US-based financial services provider, specialising in innovative solutions for payments, travel, and expense management for businesses and individuals. With operations in more than 130 countries, Amex is one of the largest card issuers in the world. It processes millions of transactions everyday as the premium network for its cardholders throughout the world. Amex offers a wide range of credit cards, with each card offering unique benefits and rewards to match your requirements.

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