Updated December 2019
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.
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
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
| Annual Interest Rate | N/A |
|---|---|
| Principle Annual Fee | $1,712 |
| Supplementary Annual Fee | $160.50 (First 2 Supplementary Cards fee permanently waived) |
| Fee Waiver | Not Available |
| Minimum Monthly Repayment | N/A |
| Interest Free Period | N/A |
| Singaporean | $200,000 |
|---|---|
| Foreigner | $200,000 |
| Card Association | American Express |
|---|---|
| Wireless Payment | N/A |
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
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
| Annual Interest Rate | 25.90% |
|---|---|
| Principle Annual Fee | $321 |
| Supplementary Annual Fee | 160.5 |
| Fee Waiver | Not Available |
| Minimum Monthly Repayment | 3% or S$50, whichever is higher |
| Interest Free Period | 22 days |
| Singaporean | $50,000 |
|---|---|
| Foreigner | $60,000 |
| Card Association | American Express |
|---|---|
| Wireless Payment | Apple Pay, Samsung Pay, Google Pay |
S$1 = 10X STAR$
at participating Merchants at CapitaLand Malls
S$1 = 5 STAR$
on All Other Spend
S$50 CapitaVoucher
converted from 50,000 STAR$
S$1 = 10X STAR$
at participating Merchants at CapitaLand Malls
S$1 = 5 STAR$
on All Other Spend
S$50 CapitaVoucher
converted from 50,000 STAR$
| Annual Interest Rate | 25.90% |
|---|---|
| Principle Annual Fee | $171 |
| Supplementary Annual Fee | 85.6 |
| Fee Waiver | Available |
| Minimum Monthly Repayment | 3% or $50, whichever is higher |
| Interest Free Period | 22 days |
| Singaporean | $30,000 |
|---|---|
| Foreigner | $60,000 |
| Card Association | American Express |
|---|---|
| Wireless Payment | Apple Pay, Samsung Pay, Google Pay |
S$1 = 1.1 Miles
Local Spend
S$1 = 2 Miles
Overseas Spend
S$1 = 3.1 Miles
Grab rides
| Annual Interest Rate | 25.90% |
|---|---|
| Principle Annual Fee | $177 |
| Supplementary Annual Fee | 53.5 |
| Fee Waiver | Available |
| Minimum Monthly Repayment | 3% or $50, whichever is higher |
| Interest Free Period | 22 days |
| Singaporean | $30,000 |
|---|---|
| Foreigner | $60,000 |
| Card Association | American Express |
|---|---|
| Wireless Payment | Apple Pay, Samsung Pay, Google Pay |
1.5%
Cash Back on All Spend
Unlimited
Cash Back Cap
S$0
Min. Spend per month
| Annual Interest Rate | 25.90% |
|---|---|
| Principle Annual Fee | $171 |
| Supplementary Annual Fee | 85.6 |
| Fee Waiver | Available |
| Minimum Monthly Repayment | 3% or S$50, whichever is higher |
| Interest Free Period | 22 days |
| Singaporean | $30,000 |
|---|---|
| Foreigner | $60,000 |
| Card Association | American Express |
|---|---|
| Wireless Payment | Apple Pay, Samsung Pay, Google Pay |
S$1 = 1.2 Miles
Local Spend
S$1 = 2 Miles
Overseas Spend
S$1 = 3.2 Miles
Grab rides
| Annual Interest Rate | 25.90% |
|---|---|
| Principle Annual Fee | $337 |
| Supplementary Annual Fee | 80.25 |
| Fee Waiver | Not Available |
| Minimum Monthly Repayment | 3% or S$50, whichever is higher |
| Interest Free Period | 22 days |
| Singaporean | $50,000 |
|---|---|
| Foreigner | $60,000 |
| Card Association | American Express |
|---|---|
| Wireless Payment | Apple Pay, Samsung Pay, Google Pay |
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.
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.
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.
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.
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.
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.
Use our new KrisFlyer miles redemption calculator and find out which destinations you can travel for free on a travel class of your choice
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.
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
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).
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.
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.