Food is, without doubt, central to happiness. So how do you indulge in great food without breaking the bank? By using a credit card that offers you discounts and rewards at restaurants and cafes, of course!
Best suited to: If you’re one of those who eat out a lot and are interested in a high-end lifestyle, then this card may be perfect for you.
|Discounts on dining||Hotel dining (discount for adults)
|Rewards points on online/retail shopping||
|Rewards points on referral||6,000 points per referral|
|Complimentary travel insurance||Up to S$1 million|
To enjoy these joining benefits, you’ll have to:
If you make multiple redemptions for any of these offers, the additional hotel room, headphone, and travel bag will be charged to your credit card.
Say, for instance, that your total transactions per month at Platinum EXTRA Partners in Singapore amount to S$600, and at other retail outlets to S$300. Then, including the points you earn on referring one friend, the total points you earn are:
|Spend categories||Monthly spend||Points earned||Equivalent miles||Hotel points|
|Retail spends at EXTRA Partners||S$600||4,500|
|Referring one friend||N.A.||6,000|
|Total||S$900||10,875||Miles earned: 6,041.67 (450 reward points = 250 miles)||13,593.75 Hilton Honors points (1,000 reward points = 1,250 Hilton Honors points) 3,588.75 Starpoints (100 reward points = 33 Starpoints)|
Keep in mind that you will require a minimum of 450 reward points to convert them to miles and a minimum of 1,000 reward points to transfer them to hotel points.
Things to know are:
Points can be redeemed for vouchers at:
Points can be redeemed to make donations to charities like:
You can redeem points to miles under the following programmes:
You can also convert your membership points to hotel points with:
|Travel insurance benefits||Coverage amount|
|Death or permanent disablement||S$1 million|
|Accident while using public conveyance leading to loss of any limb or loss of sight in one eye||S$500,000|
|An accident of the cardholder’s dependent child under 16 years, which causes death within 365 days||S$10,000|
|Permanent loss of any limb or loss of sight in one eye of a dependent child under 16 years, within 365 days of an accident||S$50,000|
|Permanent disablement of a dependent child under 16 years 365 days from the date of an accident||S$100,000|
|Damage or theft of items purchased using the card (up to 90 days from the date of purchase)||S$10,000 up to a limit of S$25,000|
|Inability to return any items purchased using your card (within 90 days)||S$800 for each item up to a limit of S$5,000|
The insurance on your Amex Platinum Credit Card covers:
|Type of interest||Charge|
|Instalment payment plan||
|Type of charge||Charge|
|Overseas transaction fee||2.5% of the payment|
|Late payment fee||S$60|
|Over limit fee||Total amount exceeding your credit limit needs to be paid in full|
|Cash advance fee||5%|
|Supplementary card fee||S$160.50 (permanent fee waiver for the first two supplementary cards)|
To make retail transactions overseas, you’ll have to activate the magnetic stripe of your card. You can do this in the following ways:
American Express requires you to fulfil certain criteria to be eligible for this card. You can find these details here.
If your card is lost, stolen, or misused, do the following:
You will be liable to pay only up to S$100 for any unauthorised transaction made with your credit card if:
In all other cases, American Express can hold you completely liable for the unauthorised transactions and issue legal proceedings against you.
The easiest way to find the best credit card offers is not to visit every bank’s website, but to visit only one page. On our website, you can find a curated list of the most attractive offers. This will make it easy for you to analyse and compare.
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How to Enable/Disable Auto Debit & Standing Instructions?
To get the auto-debit service, enrol in the Direct Debit payment facility by downloading and completing the form and send it to the bank through these channels:
How to Apply for the Card & Check the Application Status
Apply Online and Follow Up With the Bank
How to Check Balance?
Through Online Services Facility
How Can the Bill Be Paid?
The bill can be paid by any of the following ways:
How Much Is the Minimum Payment to Be Made on the Card?
3% of the Outstanding Balance or Min S$50
The minimum payment is set at 3% of the amount that is due or S$50, whichever is higher. In addition to this, you might have any late charges or fee for withdrawing above the limit and/or any other pending balance.
What Is the Grace Period?
The bank will give you an interest-free period of 22 days beginning from the day you get your bill statement. You have to make the payment within this period.
Which Mobile Wallets Can This Card Be Used With?
How to Block or Unblock the Card?
How to Reset the PIN?
Through Internet Banking
Log on to the Internet Banking facility of the bank to reset the PIN.
What Is the Billing Cycle and the Bill Due Date?
1 Month (Can Start on Any Day of the Month)
How to Get a Replacement Card?
How to Temporarily Increase the Limit of the Card?
If you have held the card for at least 6 months, you are eligible to ask for a temporary increase in the credit limit. However, this facility is applicable only under certain circumstances. Call the bank’s hotline to request for a temporary increase in your credit limit.