Compare the Best American Express Credit Cards in Singapore 2018

Updated December 2018

Looking for the best American Express credit cards in Singapore? Compare and find your ideal card with MoneySmart’s easy-to-use credit card comparison tool.

Popular American Express Credit Cards

Get up to 53,600 KrisFlyer miles

American Express Singapore Airlines KrisFlyer Ascend Credit Card

S$1 = 1.2 Miles

Local Spend

S$1 = 2 Miles

Overseas Spend

S$1 = 3.2 Miles

Grab and Uber rides

MoneySmart Exclusive: Get up to 53,600 KrisFlyer miles
  • Get S$20 NTUC Voucher

Good for: Air Miles

Flight tickets, overseas accomodation, Grab rides

MoneySmart Exclusive: Get up to 53,600 KrisFlyer miles

Key Features

  • Enjoy up to 53,600 KrisFlyer miles when you apply via MoneySmart for your new American Express KrisFlyer Ascend Credit Card. Get 9,200 KrisFlyer miles upon first spend, and an additional 44,400 (15,000+15,000+14,400) KrisFlyer miles with a min. spend of S$12,000 within 6 months of Card Approval date. Valid till 31 Dec 2018. Full T&Cs
  • 1.2 KrisFlyer miles = S$1 for all eligible card spend
  • 2 KrisFlyer miles = S$1 in foreign currency spent overseas on eligible purchases in June & Dec
  • 3.2 KrisFlyer miles = S$1 for Grab and Uber rides, capped at S$200 per month
  • Spend above S$15,000 on eligible purchases on singaporeair.com within first 12 months of Card approval and get upgraded to KrisFlyer Elite Gold Membership
  • Enjoy 500 bonus KrisFlyer miles on your first Grab booking with your KrisFlyer Ascend as the default payment card, valid till 31 Dec 2018
  • Up to $1 million travel insurance coverage

Annual Interest Rate and Fees

Annual Interest Rate25.90%
Principle Annual Fee$337
Supplementary Annual Fee80.25
Fee WaiverNot Available
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period22 days

Minimum Income Requirements

Singaporean$50,000
Foreigner$60,000

Other

Card AssociationAmerican Express
Wireless PaymentApple Pay, Samsung Pay, Google Pay
American Express The Platinum Card®

S$1.60 = 20 Points

for first S$16,000 spent at participating Platinum EXTRA Partners

Exclusive Access

to the Tower Club, Pall Mall London, and more

1 Point = 0.625 Miles

Rewards to Miles Conversion for Singapore Airlines and more

  • 75,000 Membership Rewards® Points
  • Enjoy Over S$1,200 Worth of Complimentary Hotel Stays And Credits

Good for: Rewards

Hotel dining, entertainment

Key Features

  • Exclusive access to Platinum Vibes at Marina at Keppel Bay, Tower Club, Pall Mall London, among others
  • Enjoy an annual 2D/1N stay in the St. Regis or W Hotel Singapore as a Membership anniversary gift
  • Up to 50% savings at selected hotels and restaurants such as Marriott, St. Regis, Lawry’s, and TWG among others
  • Receive S$800 Travel Credits annually (S$400 Air Travel Credit + S$400 Lodging Credit) by booking through The Platinum Concierge
  • Earn 20 Membership points per S$1.60 spent at Platinum EXTRA partners, capped at S$16,000 spent

Annual Interest Rate and Fees

Annual Interest RateN/A
Principle Annual Fee$1,712
Supplementary Annual Fee$160.50 (First 2 Supplementary Cards fee permanently waived)
Fee WaiverNot Available
Minimum Monthly RepaymentN/A
Interest Free PeriodN/A

Minimum Income Requirements

Singaporean$200,000
Foreigner$200,000

Other

Card AssociationAmerican Express
Wireless PaymentN/A
American Express CapitaCard

S$1 = 10X STAR$

at participating Merchants at CapitaLand Malls

S$1 = 5 STAR$

on All Other Spend

S$50 CapitaVoucher

converted from 50,000 STAR$

  • Get S$20 NTUC Voucher

Good for: Rewards

Capitaland mall spending

Key Features

  • Earn 3X STAR$ at CapitaLand Malls
  • 3-hour complimentary parking across 15 CapitaLand Malls with min spend of S$1,200 per month
  • First year fee waiver
  • Eligible for use with Apple Pay, Google Pay, Samsung Pay

Annual Interest Rate and Fees

Annual Interest Rate25.90%
Principle Annual Fee$171
Supplementary Annual Fee85.6
Fee WaiverAvailable
Minimum Monthly Repayment3% or $50, whichever is higher
Interest Free Period22 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$60,000

Other

Card AssociationAmerican Express
Wireless PaymentApple Pay, Samsung Pay, Google Pay
American Express Platinum Credit Card

S$1.60 = 10 Points

at participating Platinum EXTRA Partners

S$1.60 = 2X Points

on All Other Spend

1 Point = 0.55 Miles

Rewards to Miles Conversion

  • Get S$20 NTUC Vouchers

Good for: Rewards

Hotel dining, entertainment

Key Features

  • Love Dining @ Restaurants: 50%, 35%, 15% savings when dining with 1 friend, 2 friends, and alone respectively
  • Enjoy savings at artfully curated restaurants and Singapore's finest hotels with Love Dining
  • Love Dining @ Hotels: Discounts applicable for groups up to 19 pax at Raffles Hotel Singapore, Shangri-La Hotel Singapore, The St. Regis and more
  • With Love Dining @ Hotels, receive a complimentary The Far Card Classic Membership entitling special savings for unlimited visits at choice of 10 restaurants at Singapore's finest hotels
  • Charge S$4,500 to your card at Platinum EXTRA Partners to earn enough points for an Economy Class return ticket to Bali
  • Eligible for use with Apple Pay, Google Pay, Samsung Pay

Annual Interest Rate and Fees

Annual Interest Rate25.90%
Principle Annual Fee$321
Supplementary Annual Fee160.5
Fee WaiverNot Available
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period22 days

Minimum Income Requirements

Singaporean$50,000
Foreigner$60,000

Other

Card AssociationAmerican Express
Wireless PaymentApple Pay, Samsung Pay, Google Pay
American Express True Cashback Card

1.5%

Cash Back on All Spend

Unlimited

Cash Back Cap

S$0

Min. Spend per month

  • Get S$20 NTUC Voucher
  • 3% Cashback for the first 6 months

Good for: Cash Back

Big ticket purchases

Key Features

  • 1.5% Cashback on any purchase you make, anytime
  • First year fee waiver and 3% Cashback for the first 6 months up to $5000 spend
  • Eligible for use with Apple Pay, Google Pay, Samsung Pay
  • Book with American Express Cards and enjoy attractive offers on hotels and flight bookings with ZUJI Singapore: 12% savings at participating hotels, 2% rebate on all flight bookings

Annual Interest Rate and Fees

Annual Interest Rate25.90%
Principle Annual Fee$171
Supplementary Annual Fee85.6
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period22 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$60,000

Other

Card AssociationAmerican Express
Wireless PaymentApple Pay, Samsung Pay, Google Pay
All results loaded

Best AMEX Credit Cards 2018

American Express Credit Cards

American Express is popular among Singaporeans as it is one of the few credit card companies that offer cash rebate without minimum spending. Its dining privileges and exclusive promotions are also very attractive.

American Express Air Miles Cards

There are 4 air miles credit cards by American Express. The two more popular ones are the American Express Singapore Airlines KrisFlyer Ascend Credit Card and the American Express Singapore Airlines KrisFlyer Credit Card. Both cards credit KrisFlyer miles automatically into your KrisFlyer account without a need to transfer points to miles. The main difference is that the minimum annual income requirement for the AMEX Singapore Airlines KrisFlyer Credit Card is $30,000 while the AMEX Singapore Airlines Ascend Credit Card is $50,000.

Amex KrisFlyer mile conversion

American Express Singapore Airlines Krisflyer Credit Card earns you 1.1 miles for every $1 spent locally, 2 miles for every $1 spent overseas and $3.1 miles for every $1 spent on Grab Singapore transactions. American Express Singapore Airlines KrisFlyer Ascend Credit Card earns you 1.2 miles for every $1 spent locally, 2 miles for every $1 spent overseas and 3.2 miles for every $1 spent on Grab Singapore transactions.

Amex Cash back Card

The American Express True Cashback Card is a popular credit card as it offers cash rebate of 1.5% with no minimum spending on all your purchases. New cardholders benefit from a flat rate of 3% cash rebate on up to $5000 in the first half a year of opening the account. The minimum income requirement is $30,000 a year for Singaporeans and it comes with a credit card fee waiver for the first year. The annual fee for the principal card is at $171.

American Express Credit Card Promotions

Cardholders enjoy travel, shopping, dining and entertainment offers which include $15 off on Expedia flight and hotel packages and up to 21% fuel savings at SPC.

Cardholders with the Amex Centurion Card, Amex Platinum Card, Amex Platinum Reserve Credit Card or Amex Platinum Credit Card are entitled to an exclusive $220++ package at Auriga Spa at Capella Singapore, while Amex Platinum Reserve Credit Card members get a complimentary bottle of wine at Burlamacco Ristorante, to name a few current promotions.

American Express Rewards

Earn points when you spend with your American Express card and then exchange them for vouchers and products. Currently, available rewards include $20 Mustafa vouchers, $50 American Tourister vouchers, the Samsung Gear S3 Frontier watch and the OSIM uCozy 3D massager.

American Express membership rewards points can also be used directly for purchases on Expedia, or online purchases from retailers like Apple, Bose, Dyson, Dior, and Chanel.

Try MoneySmart’s new KrisFlyer miles calculator

Use our new KrisFlyer miles redemption calculator and find out which destinations you can travel for free on a travel class of your choice

American Express Credit Card Hotline

To check your credit card balances, report loss of credit card or activate your new American Express credit card, you can call the American Express hotline at 1800 299 1997 for local calls or +65 6296 7722 from overseas locations.

Frequently Asked Questions

What is the best AMEX card?

If you love to travel and are already a member in the KrisFlyer frequent flyer programme, you may prefer the American Express Singapore Airlines KrisFlyer Credit Card, or the Krisflyer Ascend Credit Card for its hassle-free mile conversion. If you are looking for a cash back card without minimum spending, the AMEX True Cashback Credit Card offers a flat rate of 1.5% cash rebate on all spending with no minimum

Does AMEX waive its annual fee?

You can enjoy first-year annual fee waiver for the American Express Krisflyer and the American Express True Cashback Card. Generally, American Express does not waive the credit card annual fee after the first year. The annual fee for the American Express Krisflyer Credit Card is $176.55 (inclusive of GST) while the American Express True Cashback Card is $171.20 (inclusive of GST).

Is AMEX accepted in Singapore?

Most large retailers such as department stores, hotels, chain restaurants and supermarkets accept American Express. However, small businesses in Singapore may not accept American Express as the transaction fee tends to be higher than other issuers.

Is AMEX a Visa or a Mastercard?

Neither. American Express, Visa and Mastercard are payment networks that maintain networks of retailers and merchants that accept their forms of payments. American Express is also a credit card company. Visa and Mastercard do not issue credit cards but AMEX and individual banks like DBS, UOB, OCBC do.