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American Express Personal Card Review

Get 2 Membership Rewards points for every $1.60 you spend. Plus, a range of Amex member perks such as 24/7 global assistance.

If you’re the kind of person who likes to get rewarded as you spend on your charge card, consider the American Express Personal Card. By earning 2 Membership Rewards points for every $1.60 spent you could move quickly towards some excellent frequent flyer rewards. Plus, there’s a host of other travel benefits to enjoy globally in categories including shopping, dining, hotel, and entertainment.

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

Benefits of the American Express Personal Card

  • Air miles. Earn Membership Rewards points on everyday spending which translate to air miles. And you can track your progression towards frequent flyer discounts in a hassle-free way. Simply log on to your account wherever you have internet access globally.
  • Travel Accident Insurance. If you buy your travel ticket using your card, you and your family could benefit from free accidental death and dismemberment insurance of up to $200,000 while travelling on a public transport.
  • Dining perks. With the American Express Personal Card, you get access to American Express Selects, giving you special discounts and benefits at dining establishments around the world.

Features of the American Express Personal Card

  • Annual fee. There’s a fee of $120 on your primary card and $75 on each subsequent card.
  • 90 days’ purchase protection. Get peace of mind that your purchases will be safeguarded if they are stolen within 90 days. You could be covered for up to $8,000 per item and up to $80,000 per calendar year per card member.
  • Mobile transactions. It’s easy to pay with your phone through Apple Pay and Google Pay among others with your American Express Personal Card.

Pros and cons


  • 24/7 global assistance
  • Competitive rate of two Membership Rewards points for every $1.60 you spend


  • There’s a charge of either $10 or $40 to take part in the Membership Rewards Programme
  • No annual card fee waiver applies
  • No welcome points offer at the time of writing

How to apply

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

  • Compare a range of American Express cards.
  • Select the card that best suits you, considering your income level, lifestyle, credit needs and spending patterns.
  • Check that you meet the eligibility criteria for your chosen card.
  • Once you submit your card application online via the American Express website, 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.

Make sure you meet the eligibility requirements and have the required documents to hand before applying for an American Express card.

Eligibility criteria

  • Age. You need to 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: $30,000 for Singapore citizens or Singapore permanent residents (SPRs), $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.

Supporting documents

Depending on your circumstance and the American Express card you’re applying for, you could need the following documents:

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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