The American Express Personal Card is a charge card that allows you to earn points while ensuring peace of mind with shopping and travel protection. Here are some of its key features:
Best suited to: Earn you rewards points on your shopping, dining, and other spends. You can earn Membership Rewards points on all eligible purchases.
|Rewards point on other eligible spends||2 Membership Rewards points on every S$1.60 spent|
|Complimentary travel insurance||Coverage of up to S$200,000|
There are several other benefits for the American Express Personal Card, listed as follows:
The Membership Rewards Programme listed under this card lets you earn rewards points on all your eligible spends. You can earn 2 rewards points for every S$1.60 spent on eligible purchases. You can apply for this programme by reaching the American Express Customer Service hotline. The points earned can also be transferred.
There are two options you could choose from, under the Membership Rewards Programme. These options are listed below:
Let’s consider a case where you spend across dining, shopping, and other retail purchases in a particular month. Under the Membership Rewards programme, you can earn 2 rewards points for every S$1.60 spent across eligible categories. For instance, when you spend S$160 for dining in a month, you can earn 200 reward points. The following table illustrates the earning mechanism for rewards points when you spend across various categories in a particular month:
|Spend categories||Monthly spend||Points earned|
|Other retail spends||$480||600 points|
The redemption of points will be governed by the following factors:
American Express Personal Card comes with a complimentary travel insurance policy which covers you for accidents which may occur while using a public conveyance. This policy would cover you in cases involving loss of a life due to an accident, or in scenarios that result in specific loss, such as loss of both hands, both feet, etc. This policy extends coverage to the cardholder up to a sum of S$200,000.
The following table illustrates the different benefits covered under this policy and the respective coverage provided against each benefit:
|Type of benefit||Coverage provided|
|Cover for life lost due to an accident||Up to S$200,000|
|Cover for specific loss due to an accident||Up to S$200,000|
This insurance policy will cover those who are either primary or supplementary cardmembers of the American Express Personal Card. This policy will also cover the cardmember’s spouse, and children below the age of 23. Additionally, if you want to be eligible for this policy, this card account must be billed in Singapore Dollars.
|Type of Interest||Charge|
|Type of charge||charge|
|Overseas Transaction Fee||Commission fee standing at 2.5% of the sum converted|
|Late Payment Fee||2.5% of the overdue balance outstanding, charged on a monthly basis, or S$60 for each month, depending on whichever is of higher value.|
|Cash Advance Fee||5% handling fee charged on the withdrawal sum, for each transaction|
|Supplementary Card Fee||S$75|
The American Express Personal Card needs to be activated for overseas use. You can do this by using one of the following methods:
You can withdraw cash or get cash advances using this card, only when you apply for the Express Cash facility. This facility can only be used by cardmembers with at least six months of membership, and they have to fill and submit the enrolment form to use this facility.
The Express Cash facility allows you to withdraw up to 20% of the limit fixed for the charge card. However, it is subject to the available balance on your card. In case of overseas withdrawals, you can withdraw a sum of up to $2,500 in cash, or using American Express Travellers Cheques. You can utilise this facility only once in every 2 two weeks.
The bank will charge you a 5% transaction fee on the cash withdrawn. However, if you’re using Travellers Cheques, you have to pay a commission fee of 1%.
To know more about the eligibility parameters for this card, visit our American Express credit cards page.
If your card is lost or stolen, you should get in touch with the bank and report the incident as soon as possible. Once you have notified the bank about the theft, loss, or misuse, you will not be held liable for any misuse of it. In such a case, your liability will be restricted to S$100.
You can call the American Express Customer Care hotline if you want to report such an incident within Singapore for your American Express Personal Card. There are separate numbers for local and overseas calls, which can be found here.
It is always good to get a card based on your spending category. You will find credit cards here which suit your spending habits and lifestyle.
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How to Enable/Disable Auto Debit & Standing Instructions?
You must enrol for Direct Debit payment by downloading, completing and sending the form to the bank in the following ways:
How to Apply for the Card & Check the Application Status?
Apply Online and Follow Up With the Bank
How to Check Balance?
Enrol for Online Services Facility
How Can the Bill Be Paid?
There are several methods to pay your charge card bill, which are listed below:
How Much Is the Minimum Payment to Be Made on the Card?
Since the American Express Personal Card is a charge card, the concept of minimum monthly payment is not applicable here. You must pay your credit card bill in full every month, immediately after you receive your card statement.
What Is the Grace Period?
As this is a charge card, there is no grace period offered.
Which Mobile Wallets Can This Card Be Used With?
You can use this card with Apple Pay. Apple Pay is accepted is many stores including restaurants & bars, theatres, shopping malls, departmental stores, etc.
How to Block or Unblock the Card?
If your card is lost/stolen, damaged or in any other case where you wish to block your card, you must immediately call at Amex hotline number and inform which is available for 24-hours.
You can follow the same steps to unblock your card.
How to Reset the PIN?
Through Internet or Phone Banking
In order to reset the PIN of your card, you must either use Internet Banking or Phone Banking.
What Is the Billing Cycle and the Bill Due Date?
1 Month (Can Start on Any Day of the Month)
The bill is generated on monthly basis and you must pay it in full payment.
How to Get a Replacement Card?
Call the Amex hotline or write an email requesting for a replacement card.
How to Temporarily Increase the Limit of the Card?
You can temporarily increase the limit of the card but it is only applicable under certain circumstances and you must be an Amex card member for a minimum of 6 months. You should contact Amex customer service representative to increase your credit limit.