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    American Express Gold Card for Lifestyle: Yet to Get Reviews

    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:

    • No pre-set spending limit since this is a charge card.
    • Earn 2 membership reward points for every S$1.60 spent.
    • Extended warranty on purchases up to 48 months with the Gold Charter Card.

    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.

    Key Features

    Feature Description
    Annual Fee S$180
    Rewards points on all retail spends 2 points for every S$1.60
    Spending limit
    • Minimum annual income of S$120,000: No spending limit
    • Annual income between S$30,000 – S$120,000: 4 times your monthly income
    Purchase protection Available
    24x7 assistance Available
    Complimentary travel insurance Available

    Additional Benefits

    • Charge purchases to your Gold Charter Card and get double the original manufacturer’s warranty, up to 48 months.
    • Enjoy up to 50% savings on dining in restaurants in Singapore and across the globe with American Express Selects.
    • Your Charter Card entitles you to a replacement vehicle for 3 consecutive days at no cost if your car breaks down or needs extensive repairs.
    • You also enjoy a number of promotional offers on eating out, travel, shopping, and more. Each offer is subject to a validity period as well as terms and conditions.

    Earning Rewards

    • You earn 2 membership reward points for every S$1.60 that you charge to your card.
    • There is no minimum spend requirement to earn these points.
    • Membership reward points have no expiry date and can be converted to air miles and hotel points if you enrol for Amex’s Frequent Traveller Option.
    • 450 reward points can be converted to 250 air miles, 1,000 points can be converted to 1,250 Hilton Honors points, and 100 membership points can be converted to 33 Starpoints to redeem Starwood Preferred Guest awards.
    • Membership reward points can be converted to KrisFlyer miles, Asia miles, Avios, Dynasty miles, Skywards miles, Enrich miles, and Orchid Plus miles.

    Let Us Illustrate:

    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
    • 6,250 Hilton Honors points
    • 1,650 Starpoints

    Redeeming your Earned Rewards

    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.

    Complimentary Insurance Coverage

    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

    Who All Will Be Covered by the Insurance?

    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.

    Interest Rates

    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
    • Cash withdrawal: 5% of the amount withdrawn
    • Travellers Cheque: 1% of the amount
    Supplementary Card Fee
    • Gold Card: S$110
    • Gold Charter Card: Second supplementary card free

    Activating the Card for Overseas Expenses

    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:

    • Online on the Amex website.
    • Call the number printed behind your card and follow the instructions.
    • Call the Amex card activation hotline.

    Cash Withdrawal on the Credit Card

    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.

    Eligibility Criteria

    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.

    Lost/Stolen Cards

    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.

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    What Else Do I Need to Know?

    How to Enable/Disable Auto Debit & Standing Instructions

    Through Email/Fax/Post

    Download the Direct Debit enrollment form from the bank’s official website and:

    • Mail the completed form to the address mentioned on the form.
    • Fax the completed form to the bank.
    • Send the form to the bank’s address via snail mail.

    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

    • Apply online using the bank’s official website.
    • Make an enquiry regarding your credit card application status by calling the American Express New Accounts hotline.
    • The bank will need around 7 to 10 working days to process your card application.

    How to Check Balance

    Register for AMEX Online Services Facility or the Mobile App

    • To view your current balance, first register yourself with the American Express online services.
    • Access your card statement with respect to how much you spent, where and when you used your card, etc.
    • Online services are free and can be used via your American Express card.

    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:

    • Interbank GIRO
    • Internet banking
    • Cheque
    • Cash
    • Self-service Automated Machines (SAM) or AXS
    • Automatic bill payment option

    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?

    Not Available

    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?

    Apple Pay

    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.

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