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 21 Mar 2024

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Comparing American Express credit cards

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

Cashback

1.50% on any domestic spend

Cashback cap

N/A

Minimum spend

N/A

Sign up bonus

Receive S$150 eCapitaVouchers. Terms and Conditions apply.

Highlights

  • Receive S$150 eCapitaVouchers with min. spending of S$500 within first month of Card approval if you are new to American Express. Terms and Conditions apply.
  • 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 $174.40 p.a.
  • Save on wedding packages and get curated American Express True Cashback Card Offers on retail, travel, dining and entertainment.

Pros

  • 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 $174.40 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 29 May 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

Cashback

N/A

Cashback cap

N/A

Minimum spend

N/A

Sign up bonus

Receive up to 60,000 Membership Rewards points. Terms and Conditions apply.

Highlights

  • Receive up to 60,000 Membership Rewards points with annual fee payment and min. spending of S$1,000 within first month of Card approval if you are new to American Express. Terms and Conditions apply.
  • Receive up to 40,000 Membership Rewards points with annual fee payment and min. spending of S$1,000 within first month of Card approval if you are an existing card member. Terms and Conditions apply.
  • 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 60,000 Membership Rewards points 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

Apply by 29 May 2024

American Express Singapore Airlines KrisFlyer Credit Card

Cashback

N/A

Cashback cap

N/A

Minimum spend

N/A

Sign up bonus

Receive up to 27,000 KrisFlyer miles. Terms and Conditions apply.

Highlights

  • Receive up to 27,000 KrisFlyer miles with min. spending of S$500 within first month of Card approval if you are new to American Express, Terms and Conditions apply.
  • First-year fee waiver for main cardholder and supplementary card.
  • 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

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 29 May 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)