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    American Express Rewards Card in Singapore

    American Express offers a host of credit card and charge card options for various lifestyle needs such as dining, cashback, travel, shopping, entertainment, etc. Select AMEX cards also come with golf and concierge privileges. Here are the AMEX credit and charge cards that offer rewards:

    • The American Express Rewards Card (credit card)
    • The American Express CapitaCard (credit card)
    • The American Express Personal Card (charge card)

    American Express Rewards Credit Card Promotions

    • 10X STAR$ on American Express Capita Card - Earn additional 50 STAR$ per S$1 spent at the following merchants until 31 December 2017.
      • Bangkok Jam
      • Wing Zone
      • Watami Japanese Dining
      • Rip Curl
      • Siam Kitchen
      • Eu Yan Sang
    • Uber - American Express cardholders will enjoy discounts on Uber and UberEATS in the following ways until 31 October 2017:
      • New members to Uber will enjoy a discount of up to S$10 on their first 2 Uber rides when registering with their AMEX credit card.
      • New members to UberEATS will enjoy a discount of up to S$30 at UberEATS on their first 3 orders. A discount of 20% off up to S$10 per order will be applicable.

    Features and Benefits of American Express Rewards Cards

    The American Express Rewards Card:

    • Earn 24,000 Membership Points when you spend S$1,500 within 3 months of card membership.
    • Choose 5 places in Singapore where you will earn 50% extra Membership Points.
    • Earn 1 Membership Point per S$1 you spend.
    • Your Membership Points will never expire.
    • You can convert your Membership Points to frequent flyer miles at more than 40 airlines across the world.

    The American Express CapitaCard:

    • Spend S$888 within 6 months of card approval and get CapitaVouchers worth up to S$50 in the form of STAR$.
    • You will earn 3X STAR$ per S$1 that you spend at CapitaLand Malls.
    • Eligible purchases will earn additional 10 STAR$.
    • Your earned STAR$ will be credited directly into your CAPITASTAR account.
    • Spend S$1,200 in a calendar month and get complimentary parking for 3 hours per day at 15 CapitaLand Malls.

    The American Express Personal Card:

    • Earn 2 Membership Rewards Points per S$1.60 you spend on your card.
    • You can enrol into one of the Membership Rewards Programme:
      • Non-Frequent Traveller Option where your Membership Rewards Points can be redeemed for shopping and dining rewards.
      • Frequent Traveller Option where your Membership Rewards Points can be redeemed for flights, hotels, shopping and dining.

    Interest Rates on American Express Rewards Cards

    The Annual Percentage Rate (APR) on American Express rewards credit cards is 24.99% p.a. If you do not make the full payment on your closing balance month-on-month, the interest rate will compound.

    If your credit card account has 3 or more defaults or if you have 1 default and have not repaid your credit card balance for 2 or more continuous months in the past 12 months, your credit card interest rate will be revised to 29.99% p.a.

    A credit card account is said to be in a state of default if you do not make the minimum payment on your closing balance by your payment due date.

    Note: The American Express Personal Card is a “Charge Card” and hence, does not carry an interest rate. The closing balance on this card must be paid in full every month.

    Fees and Charges for American Express Rewards Credit Cards

    Product/Item Fees and charges
    Annual fees for The American Express Rewards Card

      • Principal card - S$53.50

      • Supplementary card - S$15.05 (from the 3rd card onwards.

    The annual fee for 2 supplementary cards is perpetually waived.
    Annual fees for The American Express CapitaCard

      • Principal card - S$171.20 (First-year fee waived)

      • Supplementary card - S$85.60 (from the 3rd card onwards.

    The annual fee for 2 supplementary cards is perpetually waived.
    Annual fees for The American Express Personal Card

      • Principal card - S$120

      • Supplementary card – S$75

    Interest rate on American Express Rewards credit cards APR of 24.99% p.a.
    Interest rate on American Express Rewards charge cards Not Applicable
    Late payment fee on American Express Rewards credit cards S$60

    Eligibility Criteria for American Express Rewards Cards

    • Nationality criterion - Singapore citizens, Permanent Residents and expatriates can apply for the American Express rewards cards.
    • Age criteria:
      • Minimum age for principal cards - 21 years.
      • Minimum age for supplementary cards - 18 years.
    • Income criteria:
      • Minimum income for Singapore citizens and Permanent Residents - S$30,000 per year.
      • Minimum income for expatriates - S$60,000 per year.

    Documents required for AMEX Rewards Credit Cards

    All rewards credit and charge card applicants must submit certain documents to successfully apply for the American Express rewards cards:

    • Documents to be submitted by salaried employees:
      • A front and back copy of NRIC AND
      • Most recent computerised payslip + most recent Income Tax NOA (Notice of Assessment) OR
      • Computerised payslips for the past 3 months.
    • Documents to be submitted by self-employed:
      • A front and back copy of NRIC AND
      • Past 2 years’ Income Tax NOA (Notice of Assessment).
    • Additional documents to be submitted by expatriates:
      • A copy of your passport AND
      • A copy of your Employment Pass AND
      • An address proof document such as your phone bill or utility bill, etc.
    • Documents to be submitted by supplementary card applicants:
      • Singapore citizens and Permanent Residents must submit a front and back copy of NRIC.
      • Expatriates must submit a copy of passport.

    How to apply for American Express Rewards Credit Cards

    You can apply for an American Express rewards credit or charge card online on the bank’s website. Visit the respective rewards card webpage and click on the option, “Apply Now”. You will be redirected to the application page wherein you have to provide your personal details, contact details, financial details and submit your application online.

    How to cancel an American Express Rewards Card

    If you wish to cancel your American Express rewards card, you can contact the bank in the following ways:

    • The American Express Rewards Card - You can speak with a Customer Relations Officer by calling on 1800 296 0220 for local calls and +65 6296 0220 for overseas calls.
    • The American Express CapitaCard - You can speak with a Customer Relations Officer by calling on 1800 723 1339 for local calls and +65 6880 1343 for overseas calls.
    • The American Express Personal Card - You can speak with a Customer Relations Officer by calling on 1800 732 2244 for local calls and +65 6732 2244 for overseas calls.
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