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    Credit Card BYTES FROM OUR KITCHEN

    American Express Credit Cards

    Credit Card Application

    American Express offers 12 credit cards, which includes three charge cards. You can earn cashback/rebate, Rewards Points, or KrisFlyer miles, depending on the card you own. The Singapore Airlines co-branded cards make miles redemption very easy. The Platinum cards provide exclusive Platinum Privileges in addition to other benefits. The charge cards come with high spending limits and no interest rate. The True Cashback Card offers one of the best flat-rate earnings in Singapore. The rewards cards give you high point-earning potential and a variety of gifts to redeem them with.

    The American Express True Cashback Card: Best for Large Spends

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

    This card offers you a flat cashback without any minimum spend requirement or any restriction on how much money you can earn back. This means that whether you spend S$200 or S$6,000 per month, your transactions will keep earning for you. There is also no limit on which category of spend earns you more or less cashback either, so that there is no restriction on where or for what purchase you can use the card.

    Until 30 September 2018, new applicants can also get CapitaVouchers worth S$60 on their first purchase with the card. Also enjoy other discounts on the card through the True Cashback Deals. These offers include up to 21% savings on fuel purchases at SPC, up to 10% discounts on hotel reservations through partner travel websites, and up to 40% off at spas. Remember, terms and conditions apply, so do look at our Amex promotions page or the bank’s promotions page for full details.

    Annual Fee Interest Rate for Transactions (p.a.) Interest Rates for Cash Advance
    S$171.2 25.9% p.a. 25.9% p.a.

    The American Express Platinum Reserve Card: Best for Lifestyle

    • Enjoy free entry to the members-only Tower Club.
    • Relax at premium spas at lower prices through the Platinum Wellness programme.
    • Get green fees waiver at 40 golf and country clubs across Asia Pacific.

    With this card, you get discounted rates for staycations at premium hotels in Singapore through Near Away by American Express. Also enjoy a free stay of 3 days and 2 nights at over 20 Fraser Hospitality hotels/resorts. Enter the exclusive Tower Club for free, and enjoy free drinks and 1-for-1 deals at selected nightclubs through Chillax! by American Express Platinum. The Platinum Wellness programme gives you special perks at selected spas in Singapore. The Platinum Golf programme allows you to play at over 40 courses and country clubs with green fee waiver if you have paying companions.

    Save up to 50% on food bills through the Love Dining @ Hotels, Love Dining @ Restaurants, American Express Selects, and American Express Global Dining Program. Also get a free Far Card Classic Membership that gives you up to 50% discount at Fairmont Singapore, Swissotel The Stamford Singapore, and Swissotel Merchant Court. This card is the official partner for Michelin Guide Singapore, which means you can enjoy invite-only dinners by top chefs alongside other curated perks.

    Annual Fee Interest Rate for Transactions (p.a.) Interest Rates for Cash Advance
    S$535 25.9% p.a. 25.9% p.a.

    The American Express Platinum Credit Card: Best for Dining

    • Enjoy discounts of up to 50% when dining at selected hotels and restaurants across the country.
    • Enjoy your nightlife at clubs such as Anti:Dote, Nutmeg & Clove, The Secret Mermaid, and Capital and Zouk with free drinks and 1-for-1 deals through Chillax! By American Express.
    • Enjoy curated dining experiences as this card is an official partner for Michelin Guide Singapore.

    This card is a gastronome’s dream come true. The programmes under which you can get up to 50% discounts are: Love Dining @ Hotels, Love Dining @ Restaurants, The Far Card Classic Membership, American Express Selects, and American Express Global Dining Program. Enjoy spa perks – discount and special rates – under the Platinum Wellness programme. If you are a golfing enthusiast, you do not have to pay green fees if you have a paying partner on weekdays and two paying partners on weekends.

    While usual eligible purchases earn you 2 Membership Rewards Points per S$1.60 spent, spending at Platinum EXTRA partners such as American Tourister, Fred Perry, Hublot Boutique, Lee Hwa Jewellery, and Moschino will earn you 10 points. Apart from this, you also have 90-day return guarantee of up to S$800 per item bought using the card, and 90-day purchase protection of up to S$10,000 per instance of damage or theft of a purchased item.

    Annual Fee Interest Rate for Transactions (p.a.) Interest Rates for Cash Advance
    S$321 25.9% p.a. 25.9% p.a.

    The American Express Platinum Card (Charge Card): Best for Exclusivity

    • Complimentary hotel stays in Singapore or abroad upon signing up for the card.
    • Over 50% discount on dining at selected hotels and restaurants across Singapore.
    • Free entry to members-only clubs such as Tower Club, 67 Pall Mall in London, and Platinum Vibes.

    This is an invitation-only card that gives you free access to over 1,200 Delta Sky Club, Plaza Premium, Centurion, Plaza Premium and American Express lounges in more than 130 countries. If you love dining at some of the top restaurants in town, you can get up to 50% off at any time of the year through programmes such as Love Dining @ Hotels, Love Dining @ Restaurants and American Express Selects. You can get free entry for yourself and a friend to Capital and Zouk clubs.

    If you apply before 31 December 2018, you can win up to 75,000 Membership Rewards Points. You need to spend S$20,000 within 3 months of card approval to get this gift. If you apply and get the card approved by 31 October 2018, you can also win a 3-day-2-night stay at chosen properties of Banyan Tree or Mandarin Oriental outside Singapore, or a 2-day-1-night stay at Capella Singapore.

    Annual Fee Transactions Rates Cash Advance Rates
    S$1712 NA NA

    The American Express Personal Card (Charge Card): Best for Insurance

    • Enjoy 90-day purchase protection for goods bought with the card – both online and offline.
    • Enjoy complimentary travel accident cover of up to S$200,000 if you buy the tickets – airline, train or other public transport – using this card.
    • Enjoy 24x7 assistance from doctors and lawyers anywhere around the world through the American Express Global Assist programme.

    Get insurance cover of up to S$8,000 per item and up to S$80,000 per year if your purchased items turn out to be faulty or damaged, or are stolen within 90 days of you buying it. Free travel insurance includes accidental death and disablement when using public transport. The cardholder, their spouse, and child of up to 23 years are covered under this policy. Apart from this, the card gives you 2 Membership Rewards Points per S$1.60 spent. You can convert these points into miles if you choose the Frequent Traveller Option. You’ll have to pay an annual fee of S$40 for this convenience. You can also redeem the points against the rewards in the Membership Rewards Catalogue.

    Also get invited to special events or get priority booking for events through the American Express Invites programme. If you’re looking for special discounts around the world on dining, shopping and leisure, this card has several Live the World with American Express deals. Eating out would also be cheaper with the American Express Selects plan.

    Annual Fee Transactions Rates Cash Advance Rates
    S$120 NA NA

    The American Express Gold Card (Charge Card): Best for Charter Membership

    • It comes in two variations – The Gold Card and The Gold Charter Card.
    • Enjoy the American Express Charter Membership that comes with special lifestyle privileges.
    • Enjoy concierge and assistance services through the Charter Customer Assist programme.

    The Charter Customer Assist service ensures that you’re able to access concierge services for anything from travel bookings to restaurant table reservations and gifts for your friends and family to enquiring about golfing in the Asia Pacific region. With the Charter Membership, you also get an extended warranty on top of the merchant’s warranty on selected products. The maximum warranty is either 2 years more than what the merchant gives or up 4 years in total, whichever is lower.

    While both the Amex Gold cards come with unlimited credit limit, it will be granted only if your income is S$120,000 or more per year. You’ll also earn 2 Membership Rewards Points per S$1.60 spent on all eligible purchases. Both the cards offer purchase protection and refund guarantee on both online and offline buys, for up to 90 days. The insurance cover is up to S$8,000 per item under purchase protection and up to S$800 per item under refund guarantee.

    Annual Fee Interest Rate for Transactions (p.a.) Interest Rates for Cash Advance
    S$180 NA NA

    The American Express CapitaCard: Best to Shop at CapitaLand Malls

    • Earn 15 STAR$ at supermarkets such as selected FairPrice outlets, Cold Storage, Giant, Market Place, and Isetan. Also earn the same amount at selected CapitaLand merchants.
    • Earn 65 STAR$ at the stores participating in the STAR$ Xtra Programme.
    • Enjoy several parking privileges such as free 3-hour parking and access to Privileged Parking areas.

    This is a co-branded credit card issued along with CapitaLand Malls, and you earn STAR$ through the CapitaStar loyalty programme. There are no Amex rewards points on this card. You earn 15 STAR$ at selected CapitaLand Mall stores for up to S$1,200 per month. For all other transactions made with the card, earn 5 STAR$ per S$1. You also get CapitaVouchers worth S$60 if you apply for the card by 30 September 2018 and spend S$1,500 in the initial 3 months. If you apply for a supplementary card, you’ll also get an S$20 CapitaVoucher. All STAR$ can only be redeemed for CapitaVouchers, which can then be used at participating CapitaLand Mall outlets.

    The card also gives you access to special deals on shopping, dining, travel, and leisure through Live the World and American Express Invites programmes. Also get access to the American Express 24-hour Customer Care Professional and American Express Global Assist.

    Annual Fee Interest Rate for Transactions (p.a.) Interest Rates for Cash Advance
    S$171.2 25.9% p.a. 25.9% p.a.

    The American Express Rewards Card: Best for Rewards Points

    • Earn 24,000 Membership Rewards Points on spending S$1,500 in the first 3 months of getting the card.
    • Select 5 Favourite Places out of 150 outlets, where you can earn 1.5 Membership Rewards Points per S$1 spent.
    • Transactions of S$5,000 or more annually will earn you 1.5 points per dollar on all purchases.

    The base earning rate is 1 Membership Rewards Points for every S$1.60 spent on all qualifying local and overseas purchases. The points have no expiry date, which means that you can accumulate all the points and redeem them for your preferred reward any time. You can even convert the points to miles with more than 40 partner airlines if you opt for the frequent flyer programme.

    The card also gives up to 50% discount at restaurants across the world through the American Express Selects and the American Express Global Dining programmes. You also get to enjoy insurance on the purchases made with your card. With the 90-Day Purchase Protection plan you are covered for items that get damaged or stolen in the relevant period. The 90-Day Return Guarantee allows you to get a refund for the items if you want to return them for valid reasons. The Online Fraud Protection Guarantee ensures that the purchases you make via secure websites and mobile apps are protected against theft, damage, non-delivery or partial delivery.

    Annual Fee Interest Rate for Transactions (p.a.) Interest Rates for Cash Advance
    S$53.5 25.9% p.a. 25.9% p.a.

    The American Express Singapore Airlines KrisFlyer Credit Card: Best Starter Miles Card

    • 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 and Grab rides (on spends up to S$200 in a month).
    • Earn 1.1 KrisFlyer miles on every S$1 spent on all eligible purchases, whether local or overseas.

    Since this card is directly linked to your KrisFlyer account, you don’t need to worry about redemptions from points to miles, or about paying a conversion fee.

    You earn up to 30,500 miles as welcome bonus if you apply online and spend S$5,000 or more within 3 months of approval. Apart from that, you also get complimentary travel insurance coverage up to S$350,000 for travel accident and travel inconveniences, if your trip tickets are bought using the card. If that is not enough, you can buy My VoyageGuard Essential annual multi-trip plan at S$188 instead of at S$299. The card also gives you a cashback of S$150 that can be offset against your next purchase on singaporeair.com. You need to charge S$12,000 to your card between 1 July 2018 and 30 June 2019 to receive this.

    Annual Fee Interest Rate for Transactions (p.a.) Interest Rates for Cash Advance
    S$176.55 25.9% p.a. 25.9% p.a.

    The American Express Singapore Airlines KrisFlyer Ascend Card: Best to Earn Miles Locally

    • Get 2 KrisFlyer miles on every S$1 spent on singaporeair.com, silkair.com, SingaporeAir mobile app, and KrisShop on eligible purchases.
    • Get 3.2 KrisFlyer miles on every S$1 spent on and Grab rides (on spends up to S$200 in a month).
    • Earn 1.2 KrisFlyer miles per S$1 spent on all eligible purchases, whether local or overseas.

    Earn up to 48,000 bonus miles if you apply online by 30 September 2018, and spend at least S$10,000 within 3 months of getting the card. In addition, receive a Double KrisFlyer Miles Accrual Voucher if you charge S$15,000 or more to your card on the Singapore Airlines website between 1 July 2018 and 30 June 2019. This voucher is limited to 5,000 bonus miles, though. This card also allows you to buy Singapore Airlines tickets without any points-to-miles conversions. Upgrade to the KrisFlyer Gold Membership Tier if you spend S$15,000 on the Singapore Airlines website within 1 year of getting the card.

    Other key highlights include free entry into airport lounges of SATS Premier and Plaza Premium, low rates for Changi Recommends’ Portable Wi-Fi Routers, and perks on Hertz car rentals. Also get complimentary travel insurance cover of up to S$1 million. The discounted price on the My VoyageGuard Essential plan applies to this card just as it does to the Amex KrisFlyer Credit Card.

    Annual Fee Transactions Rates Cash Advance Rates
    S$337.05 25.9% p.a 25.9% p.a

    The American Express Singapore Airlines PPS Club Card: Best for Earn Miles for High Spenders

    • Get 3.3 KrisFlyer miles per S$1 spent on and Grab rides (on spends up to S$200 in a month).
    • Get 2 KrisFlyer miles per S$1 spent overseas and 1.4 miles on local transactions on total monthly bill above S$3,800.
    • Earn 1.3 KrisFlyer miles per S$1 on all qualifying transactions.

    If your spending per month goes above S$3,800 per month, then this card rewards you with more miles. Apart from the ways listed above, the card also gives you 2 miles per dollar on eligible purchases made through the Singapore Airlines or SilkAir website or app, and on online or offline KrisShop. Get a 50% KrisFlyer Miles Redemption Voucher if your card accumulates charges of S$75,000 or more between 1 July 2018 and 30 June 2019. Receive up to 25,000 miles as bonus gift if you apply by 30 September 2018 and charge at least S$6,000 to the card within 3 months from getting the card approved. You can also look forward to the Double KrisFlyer Miles Accrual Voucher. Check the card page for more terms and conditions.

    Other perks include special rates for Changi Recommends’ Portable Wi-Fi Routers, Hertz car rentals, 24x7 Concierge assistance, golfing perks at over 40 clubs in the region, and free travel insurance of up to S$1 million, among others.

    Annual Fee Interest Rate for Transactions (p.a.) Interest Rates for Cash Advance
    S$551.05 25.9% p.a. 25.9% p.a.

    The American Express Singapore Airlines Solitaire PPS Card: Best to Travel with Singapore Airlines

    • Upgrade from Business Class to First Class or Suite if you spend S$50,000 on the Singapore Airlines website between 1 July 2018 and 30 June 2019.
    • Get a 50% KrisFlyer Miles Redemption Voucher if your card transaction during the same period is at least S$75,000 for qualifying purchases. This lets you save 50% - limited to 50,000 miles – during redemptions for tickets.
    • Earn 2 KrisFlyer miles per dollar on qualifying purchases made on Singapore Airlines website and mobile app, SilkAir website and mobile app, and in-flight or online KrisShop.

    Apart from these SIA-specific privileges, get 3.3 KrisFlyer miles per S$1 spent on and Grab rides (on spends up to S$200 in a month) and 2.4 KrisFlyer miles per S$1-equivalent spent outside Singapore and 1.5 miles for local spends if the bill is above S$3,800 in a month. For lower charges made to the card, earn 1.3 miles for all eligible spends. Bonus gift on the card can go up to S$27,000 if the application is made and approved by 30 September 2018 and you are able to spend S$6,000 by the end of 3 months from card approval date.

    Of course, you can also expect travel privileges such as free travel accident and travel inconvenience cover of up to S$1 million, discounted rate for My VoyageGuard Essential annual multi-trip plan, insurance in the form of Fraud Protection, any-time concierge access, special rates on Wi-Fi routers, and car rental perks through Hertz.

    Annual Fee Transactions Rates Cash Advance Rates
    S$551.05 25.9% p.a. 25.9% p.a.

    Compare American Express Rewards Cards

    Amex offers Membership Rewards Points and STAR$ on its rewards credit cards. Know more about them in this table:

    Rewards The American Express Platinum Credit Card The American Express Platinum Reserve Card The American Express Platinum Charge Card The American Express Gold Card The American Express Rewards Card The American Express CapitaCard
    Shopping 2 per S$1.60 2 per S$1.60 2 per S$1.60 2 per S$1.60 Up to 1.5 per S$1 15 STAR$ per S$1
    Luxury Shopping 10 per S$1.60 10 per S$1.60 10 per S$1.60 2 per S$1.60 Up to 1.5 per S$1 65 STAR$ per S$1
    Department Stores 2 per S$1.60 2 per S$1.60 2 per S$1.60 2 per S$1.60 Up to 1.5 per S$1 15 STAR$ per S$1
    Other Purchases 2 per S$1.60 2 per S$1.60 2 per S$1.60 2 per S$1.60 1 per S$1 5 STAR$ per S$1
    Validity Unlimited Unlimited Unlimited Unlimited Unlimited Up to 31 December of the calendar year
    Dining Privileges Yes Yes Yes No Yes Yes
    Spa Privileges Yes Yes No No No No
    Club Privileges No Yes Yes No No No
    Golfing Privileges Yes Yes Yes No No No
    Hotel Privileges No Yes Yes No No No
    Concierge/Butler Service Yes Yes Yes No No No
    Welcome Gifts* -S$150 Cold Storage Voucher
    -1-night stay at Swissotel The Stamford
    -B&O PLAY H5 by Bang & Olufsen
    -Samsonite Sigma 76cm Expandable Spinner
    - 3-day-2-night stay every year at Frasers properties
    - Up to 50,000 points
    75,000 points Free hotel stays worth S$1,200 NA 24,000 points CapitaVoucher worth S$60

    *Welcome gifts are subject to terms and conditions. Please check with the bank before applying for one.

    Compare American Express Miles Cards

    Amex lets you directly earn KrisFlyer miles instead of having to convert through a mileage programme. The table given below can help you pick the right miles card:

    Earnings^ The American Express Singapore Airlines KrisFlyer Card The American Express Singapore Airlines KrisFlyer Ascend Card The American Express Singapore Airlines PPS Club Card The American Express Singapore Airlines Solitaire PPS Card
    Miles earned locally Up to 1.1 Up to 1.2 Up to 1.4 Up to 1.5
    Miles earned overseas Up to 2 Up to 2 Up to 2 Up to 2.4
    Miles earned on Singapore Airlines/SilkAir/KrisShop 2 2 2 2
    Miles earned on Grab 3.1 3.2 3.3 3.3
    Miles validity Unlimited Unlimited Unlimited Unlimited
    Concierge/Butler service No No Yes Yes
    Free travel insurance Yes Yes Yes Yes
    Welcome bonus* Up to 30,500 miles Up to 48,000 miles Up to 25,000 miles Up to 27,000 miles
    Airport lounge access No Yes No No
    Hotel privileges No Yes No No
    Free limo transfer No No No No

    *Welcome bonus is subject to terms and conditions. Please check with the bank before applying for one.
    ^All miles earned are for each S$1 spent.

    Compare American Express Cashback Cards

    Amex has only one cashback card in its portfolio: the True Cashback Card. Here’s a quick glimpse of its benefits:

    Cashback Type American Express True Cashback Card
    Cashback on All eligible Purchases 1.5%
    Welcome Offer* 3% for 6 months
    Dining Benefits Yes
    Other Discounts Yes

    *Welcome offers are subject to terms and conditions. Please check with the bank before applying for one.

    Why American Express Credit Cards: Features and Benefits

    • 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.
    • Convert your big-ticket purchases into small, manageable monthly instalments with Pay Small, a no-interest instalment payment plan. The tenures available are 6, 12, 18, and 24 months.
    • 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.
    • Amex cards are accepted worldwide due to a truly global network. When you’re outside Singapore, your transactions in foreign currency will first be 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.
    • 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.

    American Express Card Eligibility Requirements

    If you want to apply for an American Express credit card, these are the eligibilty criteria you will have to meet:

    American Express 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
    American Express Credit Card

    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.

    Amex Card Reward Programmes

    There are several ways in which American Express rewards you for credit card usage. Whether it is cashback, air miles or rewards points that you want, Amex has it all.

    Find More

    Amex Card Promotions

    Amex cards offer excellent promotional deals on dining, shopping, health and wellness, travel, and many other categories. Check out the latest offers here.

    Find More

    Amex Card Hotline

    Amex maintains a designated hotline for most of its cards. Call these numbers if you want to block or unblock the cards, need overseas assistance or any other card-related help.

    Find More
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