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American Express Gold Card Review

Enjoy a mix of rewards, including travel perks, when choosing American Express.

If you like to get rewards as you spend, the American Express Gold Card could work for you. With the chance to get points with no limit or expiry date you may find you’re quickly on the path to cheaper flights or upgrades. Plus, enjoy a range of exclusive benefits both as a Gold Charter Member and through American Express’ trusted network.

Read on to find out what you need to know about the American Express Gold Card.

Benefits of the American Express Gold Card

  • Air miles. Get 2 Membership Rewards points for every $1.60 spent on all eligible transactions. You can track your rewards points online anywhere in the world where you have an internet enabled desktop, laptop, or smartphone.
  • Charter Membership. Gold Charter Members can enjoy exclusive benefits, such as double the original manufacturer’s warranty on some purchases. Plus, the chance to speak with a dedicated Charter Customer Assist team about enquiries or bookings within the Asia Pacific region. (Standard office hours only.)

Features of the American Express Gold Card

  • Annual fee. Your primary card costs $180 each year; it’s $110 for supplementary cards.
  • Purchase protection. Get up to 90 days’ protection on purchases which can provide peace of mind against accidental damage or theft, of up to $8,000 per item and up to a maximum of $80,000 per year. Read the terms and conditions to understand when you’ll be covered.
  • Card protection. This card offers extensive cover and support and home and away. Plus, you can enjoy peace of mind that your purchases are well protected.

Pros and cons


  • 24/7 global support helpline
  • No expiry on your Membership Rewards Points – which you can transfer over to air miles.
  • There’s no restriction on the number of points you can accrue.
  • There’s no pre-set spending limit on this card if you earn more than $120,000 per annum. But keep in mind that you should never borrow more than you can afford to pay back.


  • There’s no annual fee waiver on primary or supplementary cards – a feature which is offered by some cards
  • You must pay $10 or $40 to enrol in the Membership Rewards Programme
  • A 2.95% fee is charged for foreign currency transactions
  • Watch out for other fees, for example there’s a $100 liability if your card gets lost or is stolen

How to apply

You can apply for an American Express card online. It can take as little as 15 minutes. Follow these steps to apply for an American Express card:

  • Compare a range of American Express cards that best suit you, considering your income level, lifestyle, credit needs and spending patterns.
  • Check that you meet the eligibility criteria for your chosen card by selecting “Compare” in the table.
  • Once you submit your card application online, you’ll receive an instant decision within 60 seconds. Some approvals are granted as conditional approvals.
  • If you pass this stage, you’ll get further instructions to upload the required supporting documents. American Express will assess and verify the information you provided. If your application is approved, you’ll receive your card in the next three to five business days.

Before you apply for an American Express card, make sure you meet the eligibility requirements and have the required documents to hand.

Eligibility criteria

  • Age. You must be at least 21 years of age. Supplementary cardholders must be over 18 years old
  • Minimum income. Most Amex cards require the following minimum income levels: $55,000 for Singapore citizens or Singapore permanent residents (SPRs), or $60,000 for foreigners
    Residential status. Singaporean citizens, permanent residents and foreigners can apply for an Amex card. However, foreigners may be subject to higher income requirements and stricter employment criteria
  • Credit history. Applicants must have a good credit rating.

Required documents

These are some of the typical requirements if you’re applying for a card with American Express:

Fully salaried applicants

  • Photocopy of your NRIC (front and back), and
  • Central Provident Fund (CPF) contribution history for the last 12 months, or
  • Latest three months’ computerised payslip, or
  • Latest Income Tax Notice of Assessment and your CPF contribution history for the last 12 months, or your last three months’ computerised payslips
  • Self-employed or fully commissioned applicants
  • Photocopy of your NRIC (front and back), and
  • Latest Income Tax Notice of Assessment for the last two years
  • Latest three months’ computerised payslip

Commission or variable income earner applicants

  • Photocopy of your NRIC (front and back), and
  • CPF contribution history for the last 12 months, or
  • Computerised payslip for the last three months, or
  • Latest Income Tax Notice of Assessment and latest computerised payslip


In addition to the income documents indicated above, you will also need to provide the following:

  • Valid passport, and
  • Employment pass (for primary cardholders only), and
  • Utility bills or bank statements with your residential address, and
  • Company letter stating proof of employment (if you’ve been working for less than three months).

Compare credit cards from American Express

1 - 5 of 5
Name Product Reward Cashback Offer Annual Fee Min Income - Singaporean and PR
American Express Singapore Airlines KrisFlyer Ascend Credit Card
For every $1 spent, earn 1.2 KrisFlyer miles on local purchases, 2 KrisFlyer miles on overseas spend in June and December, Singapore Airlines and KrisShop and 3.2 KrisFlyer miles on Grab.
American Express Platinum Credit Card
Up to 50% off your food bill for unlimited visits at hotels around Singapore
Get 30,000 Membership Rewards points upon payment of annual fee and minimum spending of S$3,000 within 30 days from card approval. Existing card members can receive 16,000 Membership Rewards points. Also, receive 3,750 Membership Rewards points from your base earn rate for the $3,000 spent. T&Cs apply. Ends 3 April 2023.
American Express True Cashback Card
Enjoy 1.5% cashback on all purchases with no minimum spend or cap.
Earn 1.5% cashback on all eligible spending with no minimum spend or cap
$0 annual fee for the first 1 year and $172.80 thereafter
Apply today and get a 3% cashback bonus when you spend $5,000 in the first six months.
American Express Singapore Airlines KrisFlyer Credit Card
For every $1 spent, earn 1.1 KrisFlyer miles on all eligible purchases, 2 KrisFlyer miles in foreign currency spent overseas during June & December and 3.1 KrisFlyer miles on eligible Grab Singapore transactions.
$150 cashback for use at when you spend a minimum of $12,000 until 30 June 2023.
$0 annual fee for the first 1 year and $178.20 thereafter
Receive 5,000 KrisFlyer bonus miles the very first time you charge to your card. Applicable to new customers only.
American Express CapitaCard
Earn up to 3% rebate (6X STAR$) at participating merchants in CapitaLand Malls in town.​ An additional 5% rebate (10X STAR$ or 50 STAR$) at participating STAR$ X’tra Partners in CapitaLand Malls.​
$0 annual fee for the first 1 year and $172.80 thereafter
Meet the $1,200 per calendar month spending requirement and you can park free of charge every day for up to 3 hours. If you spend over $1,800 per month you get access to Privileged Parking lots at CapitaLand malls

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