American Express credit cards

Apply for an American Express credit card, and you could be earning thousands of points towards free flights, upgrades, hotel stays, and so much more.

By   |   Verified by Kwok Zhong Li   |   Updated 6 Nov 2023

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Comparing American Express credit cards

American Express CapitaCard Credit Card

American Express CapitaCard Credit Card

Cashback

N/A

Cashback cap

N/A

Minimum spend

N/A

Sign up bonus

N/A

Highlights

  • Earn up to 3% rebate (awarded in 6X STAR$) on transactions of $20 and above at participating CapitaLand Malls’ merchants.
  • Earn an additional 10X STAR$® (50 STAR$®) for every S$1 spent on your Card at participating dining and retail outlets across CapitaLand Malls.
  • Home and Away perks include a complimentary 1-year Silver tier membership and a 15% one-time room discount voucher with Ascott, Citadines, and Somerset.
  • First-year card fee waiver on principal card and ongoing fee waiver on first two supplementary cards.

Pros

  • Enjoy 3-hour complimentary parking per mall, per day at participating CapitaLand Malls when you spend S$1,200 in a calendar month.
  • Annual fee of $171.20 waived for the first year. First two supplementary cards have no card fees, first year and ongoing.
  • Points are auto credited to your CAPITASTAR account as STAR$, vouchers are redeemed as CapitaVouchers.
  • Every 5,000 STAR$ can be exchanged for a $5 eCapitaVoucher on the CapitaStar App.

Cons

  • Min annual income of $30,000 for citizens/PRs and $60,000 for foreigners.
  • Principal card is free the 1st year but costs $171.20 per year. From third supplementary card you pay $86.40 per card per year.
American Express True Cashback Credit Card

American Express True Cashback Credit Card

Cashback

1.50% on any domestic spend

Cashback cap

N/A

Minimum spend

N/A

Sign up bonus

Earn 3% cashback on up to S$5,000 eligible purchases within the first 6 months.

Highlights

  • Enjoy a welcome bonus of 3% cashback on up to $5,000 eligible purchases within the first 6 months.
  • Earn 1.5% cashback on all eligible purchases in the same month without a minimum spend or earning cap.
  • Annual fee waived in the first year, reverting to $172.80 p.a.
  • Save on wedding packages and get curated American Express True Cashback Card Offers on retail, travel, dining and entertainment.

Pros

  • Bonus 3% cashback offer.
  • Enjoy additional savings on wedding packages and services with participating partners.
  • First 2 supplementary cards are free.
  • Includes travel inconvenience and travel accident insurance.
  • Fraud protection.

Cons

  • The minimum annual income of $30,000 for citizens/PRs or $45,000 for foreigners.
  • The principal card is free for the 1st year but costs $172.80 per year after.
  • A late payment charge of $100 if you don't pay the minimum monthly payment — higher of 3% or $50 — in full.
  • No balance transfer offer.
American Express Singapore Airlines Business Credit Card

On website

Apply by 28 February 2024

American Express Singapore Airlines Business Credit Card

Cashback

N/A

Cashback cap

N/A

Minimum spend

N/A

Sign up bonus

57,200 points

Highlights

  • Enjoy a welcome offer of your choice and travel rewards worth over S$1,200: Earn up to 68,000 HighFlyer points or a Samsonite luggage, a complimentary Accor Plus membership worth S$418 offering a free night’s stay every year, and up to 20,000 HighFlyer points worth S$190 when you spend with the Singapore Airlines Group. Terms and Conditions apply.
  • Earn up to 8.5 HighFlyer points per S$1 spent on eligible Singapore Airlines Group flights.
  • Earn 1.8 HighFlyer points per S$1 spent on all other eligible spend.

Pros

  • Earn generous welcome offers.
  • Enjoy Priority Pass membership with two complimentary visits per year for you and a guest.
  • Fast-track to KrisFlyer Elite Gold status with S$15,000 spent with the Singapore Airlines Group within the first 12 months.
  • Offers 51 interest-free days.
  • Flexible payment with Pay Small.

Cons

  • The annual fee of S$301.79 p.a (inclusive of 8% GST).
American Express Platinum Credit Card

Apply by 28 February 2024

American Express Platinum Credit Card

Cashback

N/A

Cashback cap

N/A

Minimum spend

N/A

Sign up bonus

Receive S$200 Statement Credits with annual fee payment and when you spend at least S$3,000 within the first 3 months of card approval. Applicable if you are new to American Express.

Highlights

  • Receive S$200 eCapitaVouchers with annual fee payment and when you spend at least S$1,000 within the first 3 months of card approval. Applicable if you are new to American Express.
  • Receive S$100 eCapitaVouchers with annual fee payment and when you spend at least S$1,000 within the first 3 months of card approval. Applicable if you are an existing card member.
  • Enjoy up to 50% savings at select 5-star hotels and restaurants with Love Dining by Platinum.
  • Enjoy Platinum Lifestyle benefits including deals and discounts at spas, golf, and bars, and the membership Rewards Catalogue.

Pros

  • Receive up to S$200 Statement Credits when you meet the criteria.
  • Get up to 50% savings at 5-star hotels, spa vouchers and discounts, and complimentary green fees at premier golf and country clubs in Singapore and overseas with Platinum Lifestyle.
  • The first 2 Supplementary Cards fees are permanently waived.
  • Redeem points at the Membership Rewards Catalogue or pay with points to downsize your card bills.

Cons

  • Minimum income requirement of $80,000 p.a.
  • The annual fee is $324 p.a. (inclusive of 8% GST).
American Express Singapore Airlines KrisFlyer Credit Card

American Express Singapore Airlines KrisFlyer Credit Card

Cashback

N/A

Cashback cap

N/A

Minimum spend

N/A

Sign up bonus

Get a welcome offer of 5,000 KrisFlyer miles the very first time you charge to your Card. Terms and Conditions apply.

Highlights

  • First-year fee waiver for main cardholder and supplementary card.
  • Welcome offer of 5,000 KrisFlyer miles. Earn up to 3.1 KrisFlyer miles per $1 spent.
  • Get $150 cashback for use on your next purchase on singaporeair.com when you spend $12,000 on eligible purchases with your Card from 1 July 2023 to 30 June 2024.
  • Get 500 Bonus KrisFlyer miles on paying the first telco recurring bill.

Pros

  • First year fee waiver
  • Earn 3.1 miles per $1 spend on Grab rides, up to $200 each month.
  • All other purchases earn you 1.1 miles per $1 spend.
  • All miles are auto-credited to your KrisFlyer account, sparing you the hassle.

Cons

  • Min annual income of $30,000 for citizens/PRs and $45,000 for foreigners.
  • Annual fee waived the 1st year, but $176.55 for principal card and $54 for each supplementary card thereafter.
  • Free travel insurance only when your air ticket is charged to your card.

American Express Singapore Airlines KrisFlyer Ascend Credit Card

Apply by 28 February 2024

American Express Singapore Airlines KrisFlyer Ascend Credit Card

Cashback

N/A

Cashback cap

N/A

Minimum spend

N/A

Sign up bonus

Receive up to 34,000 KrisFlyer miles when you meet the criteria. Terms and Conditions apply.

Highlights

  • Receive up to 34,000 KrisFlyer miles points. Get 5,000 KrisFlyer miles for the very first charge on card, receive a welcome offer of 25,400 KrisFlyer miles points upon annual fee payment and a minimum spend of S$3,000 within the first 3 months of card approval, and 3,600 KrisFlyer miles based on the S$3,000 spent. Terms and Conditions apply.
  • Get a complimentary one-night stay at Hilton Properties in the Asia Pacific and 4 complimentary lounge access passes each year with exclusive Hertz privileges worldwide.
  • Accelerated upgrade to KrisFlyer Elite Gold Membership with a minimum spend of $15,000 on singaporeair.com within the first 12 months of card approval. This comes with an additional 20kg baggage allowance and other priority privileges.

Pros

  • Enjoy an accelerated upgrade to KrisFlyer Elite Gold membership with a minimum spend of $15,000 on SIA within 12 months of getting your card.
  • Enjoy Double KrisFlyer Miles Accrual Voucher (capped at 5,000 bonus KrisFlyer Miles) with min. spend of S$15,000 on Singapore Airlines from 1 July 2023 to 30 June 2024.
  • On top of 1.2 KrisFlyer Miles per 1$ on local spend, you can earn KrisFlyer Miles at accelerated rates when spending overseas, for transactions with Grab, Singapore Airlines, and KrisShop.
  • Includes travel inconvenience and travel accident benefits.
  • Annual supplementary card fee is waived in the first year.

Cons

  • Min annual income of $50,000 for citizens/PRs and $60,000 for foreigners.
  • The annual fee is $340.20 (inclusive of 8% GST)
  • Free travel insurance only when your air ticket is charged to your card.
  • Supplementary cards have a fee of $81 p.a. second year onwards.
  • Late payment fee is $100.

American Express Platinum Charge Card

Apply by 28 February 2024

American Express Platinum Charge Card

Cashback

N/A

Cashback cap

N/A

Minimum spend

N/A

Sign up bonus

Receive up to 135,000 Membership Rewards points. Terms and Conditions apply.

Highlights

  • Receive up to 135,000 Membership Rewards points. Get a welcome offer of 87,500 Membership Rewards points with a minimum spending of S$6,000 within the first 2 months of Card approval, receive 40,000 Membership Rewards points upon Annual Fee payment, and 7,500 Membership Rewards points based on the S$6,000 spent. Terms and Conditions apply.
  • Receive up to S$2,247 credits in a calendar year to spend across a selection of travel and premium lifestyle brands.
  • Enjoy unlimited complimentary access to over 1,400 airport lounges around the world.

Pros

  • Receive up to 135,000 Membership Reward points when you meet the criteria.
  • Get complimentary upgrades for global hotels and lifestyle loyalty programs
  • Receive complimentary upgrades to Hotel Loyalty Programmes.
  • Earn 5 Amex Points for every S$1.60 spent with Singapore Airlines, SilkAir, and Scoot.
  • Earn 2 Amex points for every S$1.60 spent on another qualified spending.

Cons

  • The annual fee is S$1,728 p.a. (inclusive of 8% GST)