Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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    We found 1 American Express Platinum Credit Card for Dining
    Card
    1st Year Fee
    Rewards
    Joining Perks
    321
    What you'll love
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    Fee details
    Credit Card BYTES FROM OUR KITCHEN

    American Express Platinum Credit Card for Dining

    Credit Card Application

    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!

    Highlights:

    • The Platinum Assist Service for all your lifestyle needs.
    • Savings of up to 50% at over 50 restaurants in Singapore and across the globe.
    • The Platinum lifestyle benefits such as golfing privileges at over 40 of Singapore’s premier golf and country clubs and up to 40% savings on select spa outlets.

    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.

    Key Features

    Feature Description
    Annual fee S$321
    Discounts on dining Hotel dining (discount for adults)
    • Cardholder alone: 15%
    • Cardholder and 1 guest: 50%
    • Cardholder and 2 guests: 35%
    • Cardholder and 3 guests: 25%
    • Cardholder and 4-9 guests: 20%
    Restaurant dining (discount for adults)
    • Cardholder alone: 15%
    • Cardholder and 1 guest: 50%
    • Cardholder and 2 guests: 35%
    • Cardholder and 3 guests: 25%
    • Cardholder and 4 or more guests (total of 20 people): 20%
    Rewards points on online/retail shopping
    • 2 points for every S$1.60 spent
    • 10 additional points for every S$1.60 spent on Platinum EXTRA Partners in Singapore
    Rewards points on referral 6,000 points per referral
    Complimentary travel insurance Up to S$1 million

    Joining Perks and Signup Bonuses

    • 1-night stay in a Premier Room (worth S$529) at Swissôtel, The Stamford Singapore.
    • 1 set of B&O PLAY H5 headphones by Bang & Olufsen worth S$379 if you spend S$5,000 within the first 6 months of your card being approved.
    • Samsonite Sigma 76cm Expandable Spinner worth S$600 if you spend S$2,500 more within the first 6 months of your card being approved.

    To enjoy these joining benefits, you’ll have to:

    • Apply before 30 April 2018.
    • Ensure that your Amex card application gets approved before this date.

    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.

    Additional Benefits

    • Get discounts of up to 30% on luxury yacht charters with Lloyd Marine.
    • Get exclusive invitations to dinners hosted by MICHELIN-starred guest chefs.
    • Get up to 40% off at partner spas such as Adeva Spa, Auriga Spa and Willow Stream Spa.
    • With the Love Dining @ Restaurant programme, get discounts at some of Singapore’s best restaurants.
    • With the Love Dining @ Hotels programme, get discounts at hotels such as the Four Seasons Hotel, The St. Regis, Singapore, and the Conrad Centennial, among others.
    • You can redeem your points for miles and other vouchers under the American Express Invites programme.
    • Register with Boingo and you can enjoy complimentary WiFi from Boingo hotspots in airports, hotels, and other popular places.
    • Enjoy a world of offers throughout the year with the American Express Selects programme. Benefits include points and discounts on shopping, travel, entertainment, and dining.
    • Get entertainment benefits with the Chillax programme with this card. Under this, you can enjoy a complimentary drink at some of Singapore’s most fashionable bars such as Anti:Dote, The Mad Men Attic Bar, Nutmeg & Clove, among many others.
    • Get support and protection world over with their Global Assist and 24/7 support services.
    • Receive The Far Card Classic Membership, worth S$425, every year. Get up to 50% savings on food bill at the Fairmont and Swissôtel under this programme.
    • Enjoy golfing privileges at 40 premier golf and country clubs in Singapore and its neighbouring countries. The card entitles you to complimentary green fees if you bring along one paying companion on weekdays and two paying companions on weekends.
    • A number of promotional offers are available on this credit card. These include discounts on fuel, yacht charters, travel booking, and of course, dining. These promotions are subject to terms and conditions as set by American Express and the participating merchant.

    Earn Rewards

    • Get 2 points for every S$1.60 you spend on shopping, dining, and travel. For purchases made with any of American Express’ Platinum EXTRA Partners in Singapore, you’ll earn 10 additional points for every S$1.60 spent meaning that you earn 12 points in all.
    • Reward points can also be redeemed under the participating hotels’ Frequent Customer Programme.
    • No reward points will be awarded for purchase made through an instalment plan or for approved balance transfer.
    • You can redeem your points for over 200 selected rewards. This, however, is subject to either the minimum payment or the complete payment on your card statement being made before the due date every month. Your earned points will never expire.
    • The reward points can also be converted into miles with the American Express Membership Rewards Frequent Traveller Option. Partner airline miles programmes include:
      • Asia Miles.
      • Emirates Skywards.
      • Singapore Airlines KrisFlyer Miles, and more.

    Let Us Illustrate:

    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
    Retail spends S$300 375
    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.

    Redeeming your Earned Rewards

    Things to know are:

    • All points accrued will be credited to the card account of the principal cardholder.
    • Redeem your points for over 200 selected rewards by calling the American Express customer service hotline number printed behind your credit card. Bear in mind that 800 points will be deducted from your account when you use this service to redeem your points.
    • Alternatively, redeem your points online for reward vouchers at no charge. The redemption certificate will be sent to your mailing address within 14 days.All you need to do is:
      • Select the “Redeem Now” option on the detail page of the reward.
      • Enter the details that you will be asked for.
      • Check the box detailing the terms and conditions.
      • Confirm your details, and click on submit.

    Points can be redeemed for vouchers at:

    • Al-Futtaim Retail Asia.
    • Dorothy Perkins, and other retail outlets.

    Points can be redeemed to make donations to charities like:

    • The Make-A-Wish Foundation, Singapore.

    You can redeem points to miles under the following programmes:

    • Asia Miles.
    • British Airways Executive Club.
    • Dynasty Flyer.
    • Emirates Skywards.
    • Malaysia Enrich.
    • Singapore KrisFlyer.
    • Thai Royal Orchid Plus.

    You can also convert your membership points to hotel points with:

    • The Hilton Honors.
    • The Starwood Preferred Guest programmes.

    Complimentary Insurance Coverage

    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
    Missed connection
    • S$200 for the cardholder
    • S$400 for the cardholder, their spouse, and dependents
    Luggage delay
    • S$200 for the cardholder
    • S$400 for the cardholder, their spouse, and dependents
    Luggage loss
    • S$500 for the cardholder
    • S$1,000 for the cardholder, their spouse, and dependents
    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

    Who All Will Be Covered by the Insurance?

    The insurance on your Amex Platinum Credit Card covers:

    • The cardholder.
    • The spouse of the cardholder.
    • All dependent children of the cardholder aged 23 or below.

    Interest Rates

    Type of interest Charge
    Retail purchases
    • 25.90% p.a.
    • 29.99% p.a. if you have defaulted on your payments for at least 3 months
    Cash advance
    • 25.90%
    Instalment payment plan
    • 0%

    Other Fees and Charges

    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)

    Activating the Card for Overseas Expenses

    To make retail transactions overseas, you’ll have to activate the magnetic stripe of your card. You can do this in the following ways:

    • Online through specific Amex web page.
    • By calling the number printed on the back of your card.
    • By calling the card activation hotline from Singapore or abroad.

    Instalment Payment Plans Available

    • Any big-ticket purchase can be converted into affordable instalments under Pay Small, a no-interest instalment payment plan.
    • Instalment payments can be spread over 6 to 24 months.
    • To be eligible for Pay Small, the transaction amount needs to be at least S$250.
    • 0% interest will be charged only if monthly instalment dues are settled in full.
    • Before you make the payment for your purchase, inform the staff at the cash counter of your decision to opt for Pay Small.

    Cash Withdrawal on the Credit Card

    • American Express provides you with Express Cash, a cash advance facility.
    • It can be used on cards that have been active for at least six months.
    • You can withdraw up to 20% of your credit limit, subject to the available balance on your card.
    • For overseas use, you can withdraw up to USD1,000 in cash. Withdrawals can be made every 14 days.

    Eligibility Criteria

    American Express requires you to fulfil certain criteria to be eligible for this card. You can find these details here.

    Lost/Stolen Cards

    If your card is lost, stolen, or misused, do the following:

    • Notify American Express immediately on the customer service hotline.
    • Alternatively, send a mail to American Express’ Crawford Post Office branch.
    • Inform the police and file a report if the card was stolen or the PIN was taken from you by force.
    • Send the police report to the card issuer.

    You will be liable to pay only up to S$100 for any unauthorised transaction made with your credit card if:

    • You have notified the bank of the theft or loss of your Amex Platinum Credit Card immediately on detection of the security breach.
    • You were not proven to be grossly negligent.
    • You weren’t found to have been complicit in the fraud.

    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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    What Else Do I Need to Know?

    How to Enable/Disable Auto Debit & Standing Instructions?

    Through Post/Email/Fax

    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:

    • Through a secure email.
    • Mail the form using the address provided.
    • Fax the form to the bank.

    How to Apply for the Card & Check the Application Status

    Apply Online and Follow Up With the Bank

    • Go to the American Express Platinum Credit Card webpage and click on “Apply Now”.
    • Call American Express New Accounts to enquire about your status.
    • The bank takes around 7 to 10 days to process your request.

    How to Check Balance?

    Through Online Services Facility

    • Register with ‘Online Services’ of American Express.
    • After registration you can just log in with your account details to keep checking the balance and other information.

    How Can the Bill Be Paid?

    Through Cash/Cheque/GIRO/SAM/AXS

    The bill can be paid by any of the following ways:

    • Cash Payment
    • Internet Banking
    • Interbank GIRO
    • Cheque:
    • SAM or AXS Stations
    • Automatic bill payment service

    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?

    22 Days

    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?

    Apple Pay

    • This card can be used to pay with Apple Pay. You just need to add your card details to start making payments.
    • You can use this on devices including iPhones, Apple Watches and iPads.
    • Apple Pay can be used for purchases at partner merchants of American Express.

    How to Block or Unblock the Card?

    • In case of loss/theft/damage/misuse of your card, you must notify the bank immediately using the hotline number to block the card.
    • Alternatively, drop an email informing of the same.
    • To unblock, follow the same process.

    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)

    • The billing cycle is reflected in your billing statement which you get every month.
    • This statement reflects all your purchases and payments and also mentions the balance, credit limit and minimum payment among others.
    • The billing due date is usually on a day between two subsequent monthly payments.

    How to Get a Replacement Card?

    • You can call the bank requesting to replace your card in case your card was stolen/lost.
    • A renewal fee is applicable and will be deducted from your account.

    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.

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