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    We found 1 American Express Platinum Credit Card

    Card
    1st Year Fee
    Rewards
    Joining Perks
    321
    What you get
    What you need
    What you'll love
    What it costs

    American Express Platinum Credit Card

    Credit Card BYTES FROM OUR KITCHEN

    Promotions

    The following promotions are applicable until November 30, 2016.

    • The GoDown – Enjoy a storewide discount of 20%.
    • Paddy Hills – Enjoy complimentary truffle fries + 10% discount on the total bill.
    • Proof Living – Discount of 35% on international labels for home décor.
    • Korean Air – Discount of up to 20% on base fares.
    • Originals – Get 10% discount on Nomad Collections.

    The following promotions are applicable until December 31, 2016.

    • Tiffany Café and Restaurant – 1+1 lunch and dinner buffets.
    • HipVan – Get 15% savings.
    • Carousel – Get 10% discount on your total food bills (includes lunch and dinner buffets and high tea).
    • Etihad Airways – Enjoy 10% discount on Etihad Airways.
    • Audi – Get complimentary servicing + vouchers.

    The American Express Platinum Credit Card

    Get the ultimate taste of the platinum lifestyle with exclusive dining programs, travel deals, Membership Rewards Programme and much more.

    Joining Benefits/Perks

    Choose between the following 2 offers:

    • Full Fee Offer:
      • Get a Slim LED1 32PHT5200 32" with Digital Crystal Clear picture engine and Integrated Digital Tuner from PHILIPS worth S$529.
      • Spend S$5,000 in the first 6 months to get a B&O PLAY H5 worth S$379, and on spending additional S$2,500 in the first 6 months receive Samsonite Sigma 76cm Expandable Spinner worth S$600.
    • First Year Fee Waiver Offer:
      • Fee Waiver of S$321 for the first year +
      • Spend a minimum amount of S$7,500 within the first 6 months of card approval and receive Armet Spinner 57 cm Expandable Luggage from Samsonite costing S$380.

    Features of ‘The American Express Platinum Credit Card’

    • The annual fee for the first 2 supplementary cards are waived for life.
    • The points earned on this card will never expire. You can redeem your points immediately or save them for future redemption.
    • Apply online and get the decision within 1 minute.

    Rewards

    Expedia Bookings:

    • What you get – 10% discount on Expedia Rate Hotel Bookings.
    • How to redeem – Use your American Express Credit Card to make the booking.
    • Charges and details:
      • Valid for bookings made until December 31, 2016 and stay period until March 31, 2017.
      • To redeem this offer, enter the following voucher code “AXPSG3” + 1st 6 digits of your card number during checkout.

    Membership Rewards Programme

    • What you get:
      • 2 Membership Points for every S$1.60 that you spend on your credit card.
      • 10 Membership Points for every S$1.60 that you spend at Platinum EXTRA Partners including TungLok Signatures, Lee Hwa Jewellery and Watches of Switzerland.
    • How to redeem – Choose rewards from the Membership Rewards Catalogue OR convert your reward points into miles and redeem them at over 40 partner airlines.
    • Charges and details – Every American Express Platinum Credit Cardmember will be automatically enrolled into the Frequent Travel Option with enrollment fee waiver of S$40. Through this programme you can convert your earned reward points into miles and redeem them at renowned airlines and be a part of the biggest hotel programme.

    Benefits of ‘The American Express Platinum Credit Card’

    Dining:

    • Love Dining @ Restaurants – Up to 50% discount on food bills at popular restaurants including Dancing Crab, Angelina, Lawry’s Prime Rib, Senso Ristorante & Bar, The Marmalade Pantry, TWG Tea etc.
    • Love Dining @ Hotels – Up to 50% discount and all year privileges at some of the best hotels in Singapore including Shangri-La Hotel, Raffles Hotel Singapore, Singapore Marriott Tang Plaza Hotel, W Singapore at Sentosa Cove, The St. Regis Singapore and more.
    • Michelin Guide – American Express is the official card partner for the Michelin Guide Singapore.
    • American Express Selects – Savings up to 50% at American Express Selects in Singapore and overseas.
    • American Express Global Dining Program – You can use the American Express Global Dining Program to redeem dining offers at restaurants within Singapore and across the world.

    Wellness:

    • Adeva Spa - Discount up to 40% on a la carte spa services.
    • The Ultimate - Discount up to 40% on a la carte spa services.
    • Auriga Spa:
      • 2 complimentary hours on purchase of 8 hours of treatment.
      • Exclusive spa package for S$250.
    • Willow Stream Spa at Fairmont Singapore – 15% discount on a la carte spa treatments.
    • Spa & Sport at Swissotel Merchant Court - 15% discount on a la carte spa treatments.

    Golf:

    Enjoy complimentary green fees + privileged access to more than 40 golf clubs in Singapore, Malaysia, Thailand, the Philippines, and Indonesia.

    Complimentary Drinks:

    • Enjoy complimentary drinks at partner outlets.
    • Get complimentary cocktails, sophisticated whiskies and craft gins at the most popular bars in Singapore such as Pluck, Anti:dote, Horse’s Mouth Bar, GEM Bar etc.

    Complimentary Boingo Wi-Fi:

    • Get complimentary Boingo Wi-Fi at worldwide hotspots.
    • You will need to register for complimentary Boingo membership.
    • You must download the Boingo Wi-Finder app on your phone so you can get connected to hotspots when travelling.

    Insurance provided by ‘The American Express Platinum Credit Card’

    The American Express Platinum Credit Card offers its customers Platinum Financial Benefits which includes Travel Accident Insurance and Fraud Protection.

    Fees and Charges

    Type of fee Amount payable
    Annual fee S$321
    Supplementary card fee S$160.50 (First 2 cards are FREE)
    Interest rate 24.99% p.a.
    Late payment charges S$60
    Cash Advance Fee 5% of the withdrawn amount
    Interest on cash advance 24.99% p.a.
    Foreign Currency Transaction Fee 2.5%

    Transactions in foreign currencies

    • All foreign currency transactions except United States Dollars (USD) will first be converted into USD and then into Singapore Dollars (SGD). The conversion will occur when American Express processes the charge which may be different from the date it was first charged to your credit card. It depends on when the charge gets submitted to the bank.
    • American Express uses conversion rates which are based on interbank rates. These rates are selected from industry sources on working days before the transaction processing date and are increased by a single conversion commission applicable at 2.5%.
    • If any charge on your card is converted by a third party before they submit it to American Express, then the conversion rates on those transactions will be applicable as per the rate chosen by them.
    • No fees are charged for DCC or Dynamic Currency Conversions.

    How to apply for ‘The American Express Platinum Credit Card’

    You can apply for The American Express Platinum Credit Card online by choosing the “Apply Now” option available on The American Express Platinum Credit Card webpage of the official American Express Singapore website.

    • When you submit your application online, you will receive the bank’s decision within 60 seconds.
    • If the bank offers you a conditional approval on your credit card application, you will receive instructions to upload the required supporting documents to process your application.
    • Upon submitting all the requested documents, your application will be approved and you will receive your new credit card within 3 to 5 working days.

    Eligibility Criteria for ‘The American Express Platinum Credit Card’

    • Minimum age:
      • Principal Cardmembers: 21 years.
      • Supplementary Cardmembers: 18 years.
    • Minimum income:
      • Singapore citizens and Permanent Residents: S$50,000 p.a.
      • Foreigners: S$60,000 p.a.

    Documents Required

    • Salaried Employees:
      • Front and back copy of NRIC AND
      • Most recent Income Tax NOA (Notice of Assessment) + last computerized payslip OR
      • Last 3 months computerized payslips.
    • Self-employed:
      • Front and back copy of NRIC AND
      • Last 2 years Income Tax NOA (Notice of Assessment).
    • Foreigners:
      • Copy of Passport AND Copy of Employment Pass AND
      • Proof of Residence such as mobile bill, utility bill etc. AND
      • Most recent Income Tax NOA (Notice of Assessment) + last computerized payslip OR
      • Last 3 months computerized payslips.

    Interest on ‘The American Express Platinum Credit Card’

    • If you do not make the full payment on the closing balance reflected on your monthly statement, an interest rate of 24.99% p.a. will be applicable on your transactions.
    • If your credit card has 3 or more defaults OR if you have a single default which has been unpaid for 2 or more continuous months in the past 12 months, your interest rate will be revised to 29.99% p.a.
    • Interest Free Period – You will enjoy an interest free period on your purchases for 21 days from your statement date if you pay your closing balances in full.

    Repayments

    The minimum payment per month is S$50 OR 3% of your outstanding balance + any overdue minimum payment + any late payment fees + any balance exceeding your credit limit, depending on whichever of the 2 is higher. You need to make the minimum payment or full outstanding payment (whichever you prefer) on or before your payment due date, otherwise you will be subjected to a late payment fee of S$60.

    Lost/stolen card liability

    You must immediately notify American Express by phone or any other means convenient to you in an event that you lose your American Express Platinum Credit Card, it has been stolen, mutilated, you do not receive it by the due date upon applying for it or you suspect that it is being misused. Upon effectively notifying the bank, the maximum liability for unauthorized charges on your card will be capped at S$100. You will not be liable to pay for any unauthorized charges on your card after you have notified the bank.

    Card Protection Schemes – No Worries Guarantee

    Under this guarantee, you will receive automatic purchase protection for a period of 90 days that provides cover against accidental damage and theft. A maximum cover of S$10,000 per incidence will be provided.

    Additionally, the No Worries Guarantee also offers a 90 days return guarantee. This will be applicable even if the store refuses to accept the purchased item. You can return purchases made in Singapore and receive a refund of maximum S$800 for each returned item.

    Reporting lost/stolen credit cards

    In case you have lost your American Express Platinum Credit Card, it has been stolen, mutilated, you do not receive it by the due date upon applying for it or you suspect that it is being misused, you must immediately notify American Express by phone or any other means convenient to you.

    You must additionally provide the bank with a copy of a police report that you will be required to lodge. If your lost credit card is retrieved by you, you must not continue using it. You must inform the bank regarding the same, cut the card in half and return it to the bank.

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