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    American Express Singapore Airlines PPS Club Credit Card for Travel

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    This card from American Express has been designed for frequent travellers and offers one of the quickest ways to earn KrisFlyer miles.

    Key features of the card are:

    • 2 KrisFlyer miles for every S$1 spent on singaporeair.com, silkair.com, SingaporeAir mobile app, and KrisShop.
    • 1.3 KrisFlyer miles for every S$1 spent locally and overseas, if your total monthly spending is not more than S$3,800.
    • 1.4 KrisFlyer miles (local spending) and 2 KrisFlyer miles (overseas spending) per dollar, if your total monthly spending is above S$3,800.
    • A bonus of 5,000 KrisFlyer miles as welcome gift.
    • Platinum lifestyle benefits from Amex.

    Best suited to: PPS Club members who travel frequently with Singapore Airlines.

    Key Features

    Feature Description
    Annual fee S$551.05 (first year fee waived)
    KrisFlyer Miles per S$ on local expenses 1.3 (for spending up to S$3,800 in a month) 1.4 (for every dollar spent over S$3,800)
    KrisFlyer Miles per S$ on overseas expenses 1.3 (for spending up to S$3,800 in a month) 2 (for every dollar spent over S$3,800)
    Complimentary travel insurance Up to S$1 Million
    Concierge service 24/7 assistance for recommendations, reservations, and much more
    Airlines that miles can be used in Singapore Airlines and SilkAir

    Joining Perks and Signup Bonuses

    • Get 5,000 KrisFlyer Miles as welcome bonus if you’re applying for any co-branded Amex Singapore Airlines credit card. For successful card approvals on applications submitted online before 30 June 2018, you’ll get an extra 2,000 miles (a total of 7,000 miles, that is). Bonus miles will be awarded only after the first transaction is successfully charged to the card.
    • Get worldwide annual multi-trip My VoyageGuard Travel Insurance Essential plan for just S$188 as compared to the usual price of S$299. Only Singapore residents, aged between 18 and 80 years, are eligible for this benefit.

    Additional Benefits

    • Get 3.3 KrisFlyer miles for every dollar spent on Grab and Uber rides (Capped at S$200 per month).
    • Get up to 50% discount at a wide range of eateries across the world under the American Express Selects programme.
    • Enjoy preferential rental rates on overseas travel Wi-Fi router by Changi Recommends. The router rentals start from S$4.65 per day.
    • Get 24/7 concierge assistance for a variety of things which include reservations, travel recommendations, and much more.
    • Enjoy Platinum lifestyle benefits including complimentary green fees at over 40 golf clubs in Singapore, Indonesia, Malaysia, Thailand, and Philippines.
    • Get a discount of up to 50% on spa services at The Ultimate, Spa Rael, and Adeva Spa.
    • Get a range of limited period promotional offers with this card.

    Earning Rewards

    Things to know are:

    • All KrisFlyer Miles earned with this card are credited directly to your KrisFlyer account.
    • You don’t have to pay any registration fee or conversion fee.
    • The miles are deposited in your account in blocks of S$10 spent every month, and not for every dollar you spend. So, if you spend S$3,201 in a particular month, miles will be calculated for S$3,200 only.
    • KrisFlyer miles can be redeemed directly for flights on Singapore Airlines or SilkAir.

    Let Us Illustrate:

    • You spend S$2,000 locally every month. So, your total annual spending in Singapore is S$24,000. On this spending, you will earn 31,200 KrisFlyer Miles (S$24,000x1.3).
    • You spend S$1,500 overseas every month. Your total annual spend outside Singapore is S$18,000. On this amount, you will earn 23,400 KrisFlyer Miles (S$18,000x1.3).
    • You also spend S$10,000 annually on singaporeair.com and silkair.com. That gives you another 20,000 KrisFlyer Miles (S$10,000x2).
    • You are a new cardholder. So, you also get 5,000 KrisFlyer Miles as welcome bonus.

    This way you have earned a total of 79,600 KrisFlyer Miles in one year. Now, depending on your flexibility with the travel date and timing, you can choose from Saver and Advantage awards. Saver awards require fewer KrisFlyer Miles but have limited availability of seats. On the other hand, Advantage awards require more KrisFlyer Miles but offer better availability.

    Let’s assume that you are flexible with the flight date and timing and you opt for Saver awards. When you opt for this, your 79,600 KrisFlyer Miles are almost enough to get you a return ticket to Philippines, Thailand, or Vietnam.

    Destination and ticket type Singapore Airlines/SilkAir (KrisFlyer Miles required to redeem ticket)
    Singapore-Philippines one way ticket (Business class) 40,000
    Singapore-Philippines return ticket (Business class) 80,000

    Complimentary Insurance Coverage

    Travel insurance benefits Coverage amount
    Travel accident
    Accidental death/total or permanent disablement Up to S$1 million
    Permanent loss of a limb or eyesight Up to S$500,000
    Travel inconvenience
    Missed connection Up to S$200 per member (subject to maximum of S$400)
    Baggage delay Up to S$200 per member (subject to maximum of S$400)
    Extended baggage delay Up to S$500 per member (subject to maximum of S$1,000)
    Flight delay Up to S$200 per member (subject to maximum of S$400)

    Who All Will Be Covered by the Insurance?

    This travel insurance covers:

    • You, the principal cardholder.
    • Your spouse.
    • Your dependant child (no more than 23 years of age).

    How Does the Concierge Service Work?

    • Call 1800 396 6888.
    • Select option 4.

    Enjoy round-the-clock assistance for travel recommendations, reservations, and much more with this service.

    Interest Rates

    Type of interest Charge
    Retail purchases 25.90% p.a.
    Cash advance 25.90% p.a.
    Instalment Payment Plan 0%

    Other Fee and Charges

    Type of charge Charge
    Overseas transaction fee 2.5%
    Late payment fee S$60
    Cash advance fee 5% of the withdrawal amount
    Supplementary card fee S$80.25 (first year fee waived)

    Activating the Card for Overseas Expenses

    Yes. Since some of the overseas merchants may not have EMV (Europay, Mastercard and Visa) terminals, it’s best to get the magnetic stripe on your card activated before you start your trip.

    The magnetic stripe – a magnetic tape that is attached to the back side of your card – comes as deactivated for security purposes.

    You can activate this stripe through one of the following modes:

    Instalment Payment Plans Available

    Things to know are:

    • Purchases through your card can be converted into interest-free monthly instalments under the Pay Small plan.
    • Tenures available are 6, 12, 18, or 24 months.
    • Eligible purchase must be worth at least S$250.
    • 0% interest applies only when you pay your account balance in full every month.
    • Transaction size shouldn’t exceed your available credit limit.
    • Account must be in good standing.
    • No rewards are awarded for transactions made in relation to this plan.

    Cash Withdrawal on the Credit Card

    You can:

    • Withdraw cash through participating ATM locations throughout the world under Amex’s Express Cash service.
    • Withdraw up to 20% of your credit limit in Singapore or USD1,000 once in 2 weeks when overseas depending on your available credit limit.
    • Enrol for this plan only if you have held the card for six months or more.

    Eligibility Criteria

    Before applying for the card, check out the eligibility criteria you need to meet here.

    Lost/Stolen Cards

    In case your card is lost or stolen, you must:

    • Report the same to Amex immediately through the hotline number.
    • File a police report, if necessary and provide a copy of the same to the bank.
    • Help the bank’s independent investigation in every way possible.

    Your liability for unauthorised transactions will be limited to S$100, provided:

    • You have not been complicit in the fraud.
    • You have not acted in gross negligence in your handling of the card.
    • You have reported the incident to the bank within a reasonable period from the time of detection of the security breach.

    Comparing credit cards is a tedious process. We have simplified it. Just go to our credit card comparison page and find everything about cards in Singapore on one page.

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    What Else Do I Need to Know?

    How to Enable/Disable Auto Debit & Standing Instructions

    Through Email/Post/Fax

    • To enable automatic bill payment feature on your card, you must fill and send the Direct Debit enrollment form to the bank.
    • Submit this form either through a secure email, or fax, or you could mail it to the bank address indicated on the form.

    How to Apply for the Card & Check the Application Status

    Apply Online and Follow Up With the Bank

    • Apply for this card, you can receive instant decision on your application request within a minute.
    • Upon conditional approval, the bank will ask you to upload the relevant documents.
    • Contact American Express New Accounts by phone to check your application status.

    How to Check Balance

    Through the Online Services Feature

    • The Online Services feature allows you to check your credit card balance.
    • Register for this service free of any cost.
    • Once you log in to this account, you will be able to view your monthly statements such as details about the balance available, as well as information about payment dates.

    How Can the Bill Be Paid?

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

    You can employ any of the following means for paying credit card bills:

    • Internet Banking
    • Payment through cash
    • Payment through cheque
    • SAM or AXS
    • Interbank GIRO

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

    3% of the Outstanding Balance or Min S$50

    For this card the minimum payment amount is equivalent to 3% of the outstanding balance, subject to a minimum charge of S$50. In addition to the 3% amount, you have to clear any amount in excess of the credit limit, late charges, and the total sum of any overdue minimum payment.

    What Is the Grace Period?

    22 days

    A grace period of 22 days is applicable, within which you must make repayments. This date is calculated starting from the day the monthly statement is sent to you.

    Which Mobile Wallets Can This Card Be Used With?

    Google Pay/Samsung Pay/Apple Pay

    This credit card is compatible with Google Pay, Samsung Pay and Apple Pay.

    How to Block or Unblock the Card?

    It is generally advisable to block your card as soon as possible, in case it’s lost or stolen. You can block your card by contacting the bank on the dedicated hotline number. Alternately, you can place a mail request with the bank for blocking your card.

    To unblock your card, you must employ the same means of getting in touch with the bank.

    How to Reset the PIN?

    Through Internet Banking

    By logging in to your internet banking account for the card, you can reset the PIN for this credit card.

    What Is the Billing Cycle and the Bill Due Date?

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

    The bank sends you a billing statement by the end of each month, where you can find the billing cycle for your card. The statement also indicates other relevant details surrounding the billing cycle, for instance, payment due date.

    The period between two successive monthly statements usually determines the due date for billing. This date can change for a particular month, based on the number of business days.

    How to Get a Replacement Card?

    In case your credit card is lost or stolen, you might want to get a replacement card. The new card can cost you renewal fees, which will be directly billed to your credit card account.

    Amex provides the Emergency Card Replacement feature. Through this feature, you can get a replacement from any part of the world, within one working day.

    How to Temporarily Increase the Limit of the Card?

    You are allowed to temporarily enhance the credit limit available for your card, only if you have been a cardmember for at least half a year. However, the bank will approve a request for temporary increase of credit limit only under limited situations.

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