The main difference between the American Express Singapore Airlines Business Credit Card and the DBS World Business Card lies in their rewards structure and unique perks.
When it comes to credit card rewards, the American Express Singapore Airlines Business Credit Card shines with the focus on it being a KrisFlyer miles credit card. Cardholders can earn miles for every dollar spent, making it ideal for frequent travellers. In contrast, the DBS World Business Card offers a more versatile rewards program, allowing you to accumulate points that can be redeemed for various benefits, including travel, dining, and shopping. Critically, DBS points can be transferred to more than one airline, giving you more options when redeeming for flights.
In terms of fees, both these business credit cards come with annual fees, but the specific amounts may vary. It's essential to consider how the fees align with your spending habits and the rewards you'll earn from spend you would be making regardless of earning points.
Standout features differ too. The American Express card provides access to airport lounges and exclusive airline privileges, perfect for jet-setters. DBS World Business Card, on the other hand, offers a broader array of discounts and lifestyle perks.
Ultimately, the choice between these cards boils down to your spending patterns and travel preferences. Consider whether you prioritise earning KrisFlyer miles or value the flexibility of a more versatile rewards program with multiple airline transfer partners, and weigh the fees and bonuses to make the best decision for your business needs.
On website | |
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Description | |
A premium credit card with exclusive benefits and rewards tailored for business travelers. | Get access to airport lounges and earn cash rebates whether you are traveling for business or leisure |
Basics | |
Additional Cardholders | |
99 | 9 |
Card Type | |
American Express | Mastercard, Visa |
Minimum Credit Limit | |
N/A | N/A |
Maximum Credit Limit | |
N/A | N/A |
Sign up bonus | |
Signup Bonus Gift | |
N/A | Receive a 5% cashback when you spend a minimum of S$3,000 within the first 3 months of card issuance. Terms and Conditions apply. |
Rewards | |
Rewards Program | |
HighFlyer | DBS Rewards |
Cashback Percentage Dining Spend | |
N/A | 1% |
Cashback Percentage Any Foreign Currency Spend | |
N/A | 2% |
Domestic Rewards Points Earn Rate | |
1.80 | N/A |
Overseas Rewards Points Earn Rate | |
1.80 | N/A |
Benefits | |
Airport Lounge Access Included | |
Yes | Yes |
Concierge Service Included | |
No | Yes |
Cardholder's International Travel Insurance | |
Yes | Yes |
Complimentary Flight Voucher Included | |
No | No |
Ongoing rates | |
Cash Advance Rate | |
25.9% p.a. | 28.5% p.a. |
Purchase Rate Ongoing | |
25.9% p.a. | 18% p.a. |
Ongoing fees | |
Annual Fee Ongoing | |
S$304.59 | S$410.40 |
Foreign Exchange Fee Percentage | |
3.25% | 1% |
Late Payment Fee | |
S$100.00 | S$45.00 |
Overseas ATM Withdrawal Fee | |
S$5.00 | S$15.00 |
Digital wallets | |
Apple Pay Enabled | |
Yes | Yes |
Google Pay Enabled | |
Yes | Yes |
Samsung Pay Enabled | |
Yes | Yes |
Eligibility | |
Available To Existing Customers | |
Yes | Yes |
Minimum Age | |
21 years | 21 years |
Minimum Income | |
S$30,000.00 | S$80,000.00 |
Temporary Residents Accepted | |
No | No |