The American Express Gold Card is a charge card that offers you a range of privileges to complement your lifestyle. This card comes in 2 varieties – the Gold Card and the Gold Charter Card.
While you can apply for the Gold Card online, application for the Gold Charter Card is by invitation-only. The benefits on both these cards, however, are similar, with Gold Charter cardholders receiving added privileges. Here are some of the benefits:
Best suited to: Those looking for freedom to spend and have high spending needs as well as those who are looking for an entry level charge card with lower annual fees in comparison to other charge cards.
|Rewards points on all retail spends||2 points for every S$1.60|
|Complimentary travel insurance||Available|
If you have charged S$4,000 to your card in a statement month, then the points you earn are:
|Spend Category||Monthly Spend||Points Earned||Equivalent Miles||Hotel Points|
|All retail spends||S$4,000||Points earned: 5,000||Miles: 2,777.78||
You can redeem your points by contacting Amex’s Customer Service Hotline. However, you will be charged 800 membership points per redemption.
Alternatively, you can redeem your rewards at no charge on Amex’s website. Once you choose a reward, a redemption certificate will be sent to your billing address within 14 working days. This voucher needs to be presented to the merchant to collect your reward. You can also use the ‘Select & Pay with Points’ option on the American Express mobile app and pay for eligible purchases with your points.
|Travel Insurance Benefits||Coverage Amount|
|Loss of life||S$350,000|
|Loss of both hands or feet||S$350,000|
|Loss of one hand and one foot||S$350,000|
|Loss of sight||S$350,000|
|Complete blindness in one eye and loss of one limb||S$350,000|
|Loss of one limb||S$175,000|
|Complete blindness in one eye||S$175,000|
|Missed flight connection||Up to S$400 for the cardholder, their spouse, and children|
|Luggage delay||Up to S$400 for the cardholder, their spouse, and children|
|Loss of luggage||Up to S$1,000 for the cardholder, their spouse, and children|
|Purchase protection||Up to S$8,000 per item|
You, your legally married spouse, and dependent children under the age of 23 will be covered by this insurance policy.
Keep in mind, though, that for the policy to be applicable, the entire fare for your trip needs to be charged to your card.
|Type of Charge||Charge|
|Overseas Transaction Fee||2.5% of the transaction amount|
|Late Payment Fee||2.5% of the overdue amount or S$90, whichever is higher|
|Cash Advance Fee||
|Supplementary Card Fee||
The magnetic stripe on your Amex Gold Card needs to be activated for overseas use. You can activate the card either for a specific period or indefinitely. The following activation/deactivation methods can be used:
You can withdraw cash using Amex’s Express Cash facility if you have been a cardmember for 6 months or more. You can withdraw up to 20% of your charge limit or up to USD2,500 in cash or Amex travellers cheques every 14 days.
The Gold Charter Card is an invitation-only card. However, you can check your eligibility for the Gold Card here. American Express requires you to fulfil certain eligibility criteria before you can apply for this card.
If your card is lost or has been stolen, notify Amex immediately by calling their 24-hour customer service hotline. Once Amex is satisfied that you were not in any way responsible for the loss of your card, then the liability for any unauthorised transactions charged to your card is S$100.
Use our website to check out the latest credit card offers as well as the benefits and features you should consider before you finalise on a card. You can find exclusive offers in categories like online shopping, retail shopping, travel, dining, and others.
RELATED CARD PRODUCTAmerican Express Platinum Credit Card
RECENTLY VIEWED PRODUCTSOCBC Arts Credit Card
How to Enable/Disable Auto Debit & Standing Instructions
Download the Direct Debit enrollment form from the bank’s official website and:
The bank will need 21 business days to process your application form.
How to Apply for the Card & Check the Application Status
Apply Online and Follow Up With the Bank
How to Check Balance
Register for AMEX Online Services Facility or the Mobile App
Alternatively, use the American Express Mobile App to track your monthly spends and monitor your credit card outstanding balance.
How Can the Bill Be Paid?
Through GIRO/Internet Banking/Cheque/Cash/SAM/AXS
Your bill payment options are as follows:
How Much Is the Minimum Payment to Be Made on the Card?
Full Outstanding Balance to be Paid
The American Express Gold Card is a charge card wherein all pending charges need to be paid in full upon receiving your monthly statement. The minimum payment criterion does not apply to this card.
What Is the Grace Period?
This is a charge card wherein the complete outstanding balance needs to be paid off by the payment due date. Grace period is not applicable to this card.
Which Mobile Wallets Can This Card Be Used With?
You can make contactless payments using Apple Pay.
How to Block or Unblock the Card?
When you want to block or unblock your card, you can call the American Express hotline that is available 24/7.
How to Reset the PIN?
Through Phone or Internet Banking
Reset your PIN by logging in to your phone banking or internet banking account.
What Is the Billing Cycle and the Bill Due Date?
1 Month (Can Start on Any Day of the Month)
Your payment due date will be mentioned in your monthly statement that you will receive every month end. The billing cycle is the period between 2 successive monthly statements and can start and end on any day of the month.
How to Get a Replacement Card?
You can apply for emergency card replacement with the help of American Express Global Assist. The hotline numbers (local and overseas) are operational 24/7.
How to Temporarily Increase the Limit of the Card?
You can increase your card limit on a temporary basis. However, this option is available only for specific situations. Also, you must be an American Express cardmember for at least a period of 6 months. For additional information, you can call the American Express 24/7 hotline.