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    American Express Platinum Card For Travel: Review

    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

    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

    Additional benefits

    • Contactless payments using this card through Apple Pay.
    • Default enrollment to the Avis Preferred Membership programme.
    • Special offers and deals on shopping, dining, and lifestyle privileges by American Express Selects.
    • Default enrollment to the Hertz Gold Plus Rewards programme with which you enjoy rental savings and free card upgrades.
    • 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.
    • Chance to attend a number of exclusive events, starting from fashion and cultural events to shopping, gourmet experiences, and sports events in Singapore and other countries.
    • Exclusive golf privileges at over 85 famous resorts across the world, under the Preferred Golf Programme. Green fee waivers are available at clubs in Singapore, Philippines, Malaysia, Thailand, and Indonesia.
    • 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.
    • Please visit our dedicated page on American Express credit card promotions for a list of offers and their expiry dates.

    Earn Rewards

    • Get 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.
    • Get 10 reward points from S$16,000 upwards.
    • Get 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

    Redeeming your Earned Rewards

    Here are the things to know:

    • 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: 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. 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, you can pay at the rate of S$5 per 1,000 points.

    Complimentary Insurance Coverage

    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?

    Things that you need to know are:

    • Get 24/7 assistance to plan and organise your travel, such as booking your flights and hotels.
    • Use the dedicated Platinum Concierge Desk to get recommendations for the best destinations, hotels, and places to visit.
    • Get discount on your flight tickets by booking them from participating airlines (business or first class) using this service.
    • Call the Global Assistance Service for guidance and help if you need immediate assistance during travel.
    • Get access to worldwide legal and medical assistance if you fall ill or meet with an accident while travelling.
    • If your home needs urgent attention, the team will visit the area and fix the problem.
    • Get help throughout the day in case you need guidance when you’re on the road.
    • Get special discounts on business class and first class flight fares.

    Interest rates

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

    Activating the card for overseas expenses

    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.

    Eligibility Criteria

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

    Lost/Stolen cards

    Here are the things to know:

    • In case your card is stolen, lost or misused, immediately notify the card issuer by calling the customer service helpline number.
    • In case of theft, file a police report, and provide tangible proof of your innocence to the card issuer.
    • The liability on your card will be limited to S$100 if it is proven that the loss/theft/misuse was not due to your negligence.
    • If your involvement in any fraudulent activity related to the card is proven, you’ll be held liable for all the unauthorised transactions.

    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!

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    What Else Do I Need to Know?

    How to Enable/Disable Auto Debit & Standing Instructions?

    Through Post/Email/Fax

    Enable or disable the auto debit feature by applying for the Automatic Bill Payment Service. Fill up the application form and send it through the following methods:

    • Send it via post by including a self-addressed envelope.
    • Use a secure email by registering an email account with American Express.
    • Fax the completed form to American Express.

    With the Automatic Bill Payment Service, you will get the following benefits:

    • Complete peace of mind with secure and prompt payment every single time.
    • Make full use of Membership Rewards points, KrisFlyer miles and cashback on bill payments.
    • Avoid the inconvenience of waiting in queues or writing cheques.

    How to Apply for the Card & Check the Application Status?

    This is an invitation-only charge card. In order to apply for the card, you will have to contact the bank and express your interest for the same to proceed with the application process.

    How to Check Balance?

    Enrol for Online Services Facility

    Check your balance by registering to Online Services.

    How Can the Bill Be Paid?

    Through GIRO/Internet Banking/Cheque/Cash/SAM/AXS

    Pay your credit card bills in the following ways:

    • AXS or Self-service Automated Machines (SAM)
    • Cash Payment
    • Cheque
    • Internet Banking
    • Interbank GIRO
    • Automatic Bill Payment option

    How Much Is the Minimum Payment to Be Made on the Card?

    Since this is a charge card, the entire bill amount has to be paid when you receive the card statement.

    What Is the Grace Period?

    Since this card is a charge card, there is no grace period to make the bill payment.

    Which Mobile Wallets Can This Card Be Used With?

    Apple Pay

    Apple Pay can be used with this card.

    How to Block or Unblock the Card

    Get in touch with the customer service executive 24/7 for local calls or you can mail your request to American Express International.

    How to Reset the PIN?

    Internet Banking

    Reset your charge card PIN by signing in to your internet banking account. Check with American Express for more details.

    What Is the Billing Cycle and the Bill Due Date?

    1 Month (Can Start on Any Day of the Month)

    The billing cycle for this card is 30 days and you will have to pay the bill in full as soon as you get the statement. In case of unpaid balances, late payment fees will be added to your statement per 30-day intervals. You will be in default if you fail to pay the unsettled amount even after the next month’s bill is generated.

    How to Get a Replacement Card?

    Get a replacement card through American Express Global Assist no matter where you are. You can call the bank regarding the same whether you are in Singapore or overseas.

    How to Temporarily Increase the Limit of the Card?

    Enhance the credit limit on a temporary basis only if you are an American Express member for at least six months. This option is available only under specific conditions. If you want to know more, call the customer service hotline number which is available throughout the day.

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