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    American Express Platinum Card Review

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    The Amex Platinum Card is a charge card without a spending limit. This card requires you to pay the statement balance in full every month. While you have unlimited spending power, your purchases, at times, need to be approved by the bank based on your credit history, account record, and personal resources.

    Highlights:

    • This is an invitation-only card and hence requires a high income.
    • It gives you some of the best lifestyle and travel perks for a seamless experience.
    • It offers a variety of Platinum perks in lifestyle, travel & leisure, and dining, among others.

    Best suited to: Those who like to shop from high-end brands and want to enjoy curated experiences.

    Key Features and Benefits of This Charge Card

    Features Description
    Annual fee Not disclosed
    Reward points on Platinum EXTRA partners
    • 20 Membership Rewards points per S$1.60 for the first S$16,000 spent
    • 10 Membership Rewards points per S$1.60 afterwards
    Reward points on other qualifying purchases 2 Membership Rewards points per S$1.60 for both primary and supplementary cardholders
    Discount on dining Up to 50% off through Love Dining @ Hotels and Restaurants
    Discount on health and wellness Up to 50% off or vouchers worth S$90 from Spa Rael, Adeva Spa, and The Ultimate
    Complimentary travel insurance Available
    Hotel privileges
    • You can enrol into a higher tier in the loyalty programmes of participating hotels, worldwide.
    • Enjoy special perks at more than 100 Design Hotels in the world.
    • With FINE HOTELS & RESORTS Programme, you can get special treatment at more than 750 hotels.
    • Be a privileged guest at over 520 small but luxurious hotels with Small Luxury Hotels of the World Programme
    Airport access lounge Access to over 800 partner lounges
    Butler/concierge services Platinum Concierge Desk
    Limousine services Not available
    Expedited immigration Not available

    Any Other Benefits?

    • You can make contactless payments using this card through Apple Pay.
    • By default, you will be enrolled in the Hertz Gold Plus Rewards programme and enjoy rental savings and free card upgrades. You will also get enrolled in the Avis Preferred Membership programme.
    • You can enjoy an array of perks like cabin upgrades, on-board credits, a champagne toast with the crew and the captain, and a tour of the entire cruise from participating cruise partners.
    • You can enjoy special access to the members-only Tower Club Singapore, located on the top floor of Republic Plaza. Under this membership, you can use all the conference and dining facilities and receive invitations to attend events and activities at the club.
    • You can attend a number of exclusive events, starting from fashion and cultural events to shopping, gourmet experiences, and sports events in Singapore and other countries.
    • With this charge card, you will get exclusive golf privileges at over 85 famous resorts across the world, under the Preferred Golf Programme. You will also get green fees waiver at clubs in Singapore, Philippines, Malaysia, Thailand, and Indonesia.
    • You will get special offers and deals on shopping, dining, and lifestyle privileges by American Express Selects.
    • Please visit our dedicated page on American Express credit card promotions for a list of offers and their expiry dates.

    How Can You Earn Rewards?

    • You will earn 20 Membership Rewards points for every S$1.60 spent on eligible purchases at Platinum EXTRA Partner outlets, up till transactions of S$16,000 in 2018.
    • From S$16,000 onwards, you will earn 10 reward points.
    • You will receive 2 points per S$1.60 spent on other eligible purchases in Singapore and abroad. The supplementary card member will also earn at the same rate.

    Let Us Illustrate:

    Let us look at a sample spend in various eligible categories. We’ll then compute how many points you will earn and how much they will be worth when converted to miles (450 points = 250 miles).

    Spend category Monthly spend Points earned Equivalent miles
    Platinum EXTRA stores S$2,500 50,000  
    Other retail purchases S$3,800 38,000  
    Total S$6,300 88,000 48,888.89

    How to Redeem Reward Points?

    Membership Rewards points have no expiry period and can be redeemed any time. The points can be exchanged for anything from gadgets to exotic vacations in the Membership Rewards Catalogue. The redemption requirements will vary depending on the value of the vouchers and the brand.

    You will be automatically enrolled in the Frequent Flyer Programme, where the reward points can be redeemed for air tickets and hotel bookings across the world. The conversion rate of points to miles is 450 Membership Rewards points is equivalent to 250 miles. The minimum requirement for redemption is 450 points. Points can be converted to any of the following partner airway miles programmes:

    • Krisflyer Miles
    • Asia Miles
    • Enrich Miles
    • Emirates Skywards Miles
    • Avios Miles
    • Dynasty Miles
    • Thai Royal Orchid Plus Miles

    The hotel loyalty programmes available are Hilton Honors and Starwood Preferred Guest, where the conversion rates are:

    • 1,000 Membership Rewards points = 1,250 Hilton Honors points
    • 100 Membership Rewards points = 33 Starpoints

    You can also pay your card bill using the accumulated points. If you’re using SafeKey to checkout when online shopping, and the merchant accepts rewards points as payment, then you can pay at the rate of S$5 per 1,000 points.

    What Does the Complimentary Insurance on This Card Cover?

    The Amex Platinum Charge Card offers a worldwide comprehensive travel insurance package that insures you, your family members, and the supplementary card member every time you travel.

    How Does the Concierge/Butler Service Work?

    This elite card provides 24/7 assistance to plan and organise your travel, such as booking your flights and hotels. Under this service, a dedicated Platinum Concierge Desk will recommend the best destinations, hotels, and places to visit, to you. If you book your flight tickets from participating airlines (business or first class) through this service, you will get discounts on your tickets.

    In case you need immediate assistance during your travel, you must call the Global Assistance Service for guidance and help. In case you fall ill or meet with an accident while travelling, you can get access to worldwide legal and medical assistance. If your home needs urgent attention, the team will visit the area and fix the problem. This service also provides help throughout the day in case you need guidance when you are on the road.

    You could also use the concierge service to get special discounts on Business Class and First Class flight fares.

    What Are the Fees and Charges?

    Type of charge Charge
    Late payment fee 2.5% on the outstanding balance or S$60, whichever is more

    Do I Have to Activate the Card for Overseas Use?

    Yes, it is mandatory to activate all Amex cards for overseas use. The purpose of this is to enhance the security of your charge card. When we say activate, it means that the magnetic stripe on your card, which is not needed in Singapore, will have to be made ready for transaction. The stripe may be required in countries outside Singapore where they do not have EMV chip technology yet.

    Your card can be activated in the following ways:

    • Online: Visit the Amex official webpage for activation.
    • Offline: Call the Amex hotline.

    Check Eligibility to Apply for this Card

    To know if you are eligible for this card, please visit our American Express credit card page.

    What If My Card Is Lost/Stolen?

    In case your card is stolen, lost or misused, you must immediately notify the card issuer by calling on the customer service helpline number. If it is a case of theft, you must file a police report, and provide to American Express the proof required to prove your innocence.

    The liability amount you need to pay to the bank in case of any illegal use of your card is limited to S$100 if it is proven that the loss/theft/misuse was not due to your negligence. If you are found to have been involved in any fraudulent activity related to the card, you will be liable to pay the full amount misused on the card.

    When you go to our credit card comparison page, you can find the list of cards in Singapore, check your eligibility for these cards, explore the features of the card, and even apply for them online. All this information in a user-friendly format!

    News About American Express Platinum Card

    • The American Express Platinum Credit Card Promotion

      Run Time - This is an ongoing promotion that is valid until July 15, 2017.

      Particulars - Get S$118.80 worth complimentary subscription to “StarHub Go” Select video streaming service for 12 months upon getting your credit card approved within the validity period.

      What StarHub Go is:

        • You can stream award winning UK dramas, HBO Original shows and K-dramas.

        • You can use this service on-the-move with StarHub Mobile which is a data-free streaming service.

        • You don’t require a set-top box or a contract to use this service.

      Terms and Conditions

        • This promotion is applicable to new American Express Credit Cardholders. Cardholders who have cancelled their AMEX Credit Cards in the last 6 months will not qualify for this promotion.

        • Cardholders must be new subscribers of StarHub Go. Existing subscribers who are enjoying other promotions on StarHub Go are not eligible for this promotion

    • Private Deals by American Express Platinum

      Run Time - This offer is available till the 27th of September, 2015

      Particulars - Private Deals by American Express Platinum offers you a chance to avail up to 25% discount on mooncakes.

      Terms and Conditions -

      1. You will avail the offer only when you pay using your American Express card.

      2. These offers cannot be exchanged for cash

      To know more about the offer and its terms and conditions, please contact the bank.

      8th September 2015

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