This card offers customers rewards on various payments made on travel-related expenses. The highlights of this card are as follows:
Best Suited to: People who often travel often, especially using Singapore Airlines, for the fast rate of earning KrisFlyer miles.
|Annual Fee||S$551.05 (Initial year fee waiver)|
|Miles per S$1 on local expenses||Up to 1.5 KrisFlyer miles|
|Miles per S$1 on overseas expenses||Up to 2.4 KrisFlyer miles|
|Complimentary Travel Insurance||S$1 million|
|Concierge/Butler Service||24-hour concierge service|
|Airlines that miles can be used in||Singapore Airlines|
If you add up all these, you will earn a total of 81,800 KrisFlyer Miles in a year. Now, depending on the date and time of your travel, you can opt either Saver or Advantage awards. Saver awards require fewer KrisFlyer Miles but your chances of getting a seat are low. In contrast, Advantage awards require more KrisFlyer Miles but you are more likely to get a seat.
If you are flexible with the date and timing of your flight and you opt for Saver awards. When you opt for Saver awards, your 81,800 KrisFlyer Miles are enough to get you an entire trip to destinations like 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|
Get insurance coverage for any travel inconvenience or travel accidents for up to S$1 million with this card. You have the option to buy My VoyageGuard Travel Insurance, an annual multi-trip travel insurance plan, at a discounted rate.
Insurance cover is available for:
Make use of the concierge service by calling the dedicated hotline for reservations, references and more.
For all retail purchases made using this card, you will be charged an annual interest rate of 25.90%. This interest will be compounded if you have not paid your bill amount in full. If you have failed to make your payments thrice or have any unpaid amount for at least two months in the last one year, then the interest rate will be raised to 29.99% p.a. which will be applicable for the next 12 months.
|Type of interest||Charge|
|Retail Purchases||25.90% p.a.|
|Cash Advance||25.90% p.a.|
|Instalment Payment Plan||0% if you regularly pay your monthly statement in full|
|Type of charge||Charge|
|Overseas Transaction Fee||2.5%|
|Late payment fee||S$60|
|Over-limit fee||The total amount you have used over your credit limit needs to be paid in full during the next billing cycle. The interest rate charged will be as per the terms and conditions set by the card issuer.|
|Cash advance fee||5% of the amount applicable to each withdrawal made|
|Supplementary card fee (annual)||S$80.25|
The magnetic stripe on your Amex credit card has to be activated for overseas usage. You’ll have the option to choose the time period for which you want to keep the stripe activated.
Your card can be activated in any one of the three ways:
Things to know are:
To enrol in this programme, you have to:
A transaction fee of 5% for all cash withdrawals and a 1% commission charge for purchasing American Express Travellers Cheques will be charged.
American Express requires you to meet certain criteria to be eligible for this card. Please check this page to find out more.
If your card is lost, stolen, or misplaced, you must:
Liability for unauthorised transactions on your card will be limited to S$100, provided:
You must analyse your spending style before picking a credit card. Here’s our full range of cards, with the benefits of each card highlighted. You can also read about specific card reviews.
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How to Enable/Disable Auto Debit & Standing Instructions
Through Email/Fax/Snail Mail
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/Amex Mobile App
How Can the Bill Be Paid?
Through Online Banking/GIRO/Cash/Cheque/AXS/SAM
You can pay your credit card bill in several ways such as:
How Much Is the Minimum Payment to Be Made on the Card?
3% of the Statement Balance or Min S$50
The minimum amount due on a monthly basis will be 3% of the outstanding balance plus any pending minimum due amount from previous billing cycles, late payment fee, any amount exceeding your pre-defined credit limit, or S$50, whichever amount is higher will be considered.
What Is the Grace Period?
You’ll have a repayment grace period of 22 days from the date on which your statement of account was generated.
Which Mobile Wallets Can This Card Be Used With?
Apple Pay, Samsung Pay, Google Pay
American Express offers mobile wallets such as Google Pay, Apple Pay, and Samsung Pay.
How to Block or Unblock the Card?
In case your American Express credit card is lost or stolen, you need to intimate the bank immediately by calling on the number which is mentioned behind your card and seek assistance to have your card blocked.
In case your card has been blocked and you need assistance to get it unblocked call the American Express 24/7 hotline and follow the instructions accordingly.
How to Reset the PIN?
Phone or Internet Banking
You can either log in to your phone banking or internet banking account in order to reset your PIN.
What Is the Billing Cycle and the Bill Due Date?
1 Month (Can Start on Any Day of the Month)
You’ll receive your credit card bill on a monthly basis. The time between consecutive monthly billing statements will change depending on the number of working days in a month. The due date by which you need to make your card payment will be mentioned in your credit card bill.
How to Get a Replacement Card?
Irrespective of where you are located, you can get emergency card replacement in less than one working day. You can call the American Express 24/7 Global Assist to request for a card replacement.
How to Temporarily Increase the Limit of the Card?
You can get in touch with an American Express customer care professional in order to increase your card’s limit temporarily. You will be given an increase in your credit limit only under specific circumstances. Also, you should have been an American Express cardholder for at least 6 months.