GoBear is now part of Finder

Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.

American Express Platinum Reserve Credit Card Review

Take advantage of air miles bonuses and a range of travel perks when choosing this credit card from Amex.

The American Express Platinum Reserve Credit Card is ideally suited to those who travel regularly and like the idea of enjoying world-class service from Amex. This rewards credit card offers bonus air miles along with a host of members’ perks, including a two-night stay at certain Frasers Hospitality properties.

Read on to find out more about the American Express Platinum Reserve Credit Card, including its eligibility requirement.

Benefits of the American Express Platinum Reserve Credit Card

  • Bonus points. This card lets new customers enjoy a sign-up bonus of 50,000 Membership Rewards points as long as you spend S$5,000 in your first six months.
  • Competitive air miles rate. The regular earn rate with this card works out at two points for every S$1.60 spent. If you spend on your card at Platinum EXTRA Partners, such as IWC and The Hour Glass, you’ll get up to 10 Membership Rewards points (5.5 miles) for every S$1.60.
  • Card privileges. Golf, wellness and dining benefits are among the benefits of choosing this card. For example, you can get up to 50% off your food bill at over 50 restaurants in Singapore. Plus, cardholders get further food perks as this card is an official partner for Michelin Guide Singapore. Elsewhere you can enjoy complimentary two-night stay at certain Frasers Hospitality properties each year.
  • Purchase protection. American Express may be able to provide a refund if you return an eligible item within 90 days of its purchase (there’s a typical refund limit of S$800 per item). What’s more, this provider’s 90-days purchase protection can insure your purchases against accidental damage or theft, up to S$10,000 per incidence. Terms and conditions apply.

Features of the American Express Platinum Reserve Credit Card

  • Annual fee. This card has an annual fee of S$535.
  • Make fast, convenient payments. This card comes with PIN, chip, and contactless technologies, offering convenience along with security. You can use this card at any merchant who accepts American Express, anywhere in the world.
  • Online access. Access your account details from anywhere in the world as long as you have an internet enabled desktop, laptop, or smartphone. Once online, you can keep track of transactions, schedule payments, set up reminders so you don’t miss making payments, and track progress of your rewards points.

Pros and cons


  • There are multiple members’ benefits to enjoy including with American Express Selects, Platinum Lifestyle, Love Dining and more.
  • Get permanent annual fee waivers on up to two supplementary cards (which typically cost S$160.50 each).
  • Your Membership Rewards Points (which translate to air miles) don’t have an expiry date. There’s also a permanent waiver of any miles transfer fee.


  • Fewer card benefits than with the AMEX Platinum Charge Card (but note that this card charges an annual fee of S$1,712).
  • Annual fee of S$535 applies to this card.
  • You must have a minimum annual income of at least S$150,000.

How to apply

You can apply for an American Express credit card quickly online. Follow these steps to apply for an American Express credit card:

  • Check that you meet the eligibility criteria for your chosen credit card.
  • Go to the American Express website.
  • 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 credit 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 to apply. Supplementary cardholders must be over 18 years old
  • Minimum income. You’ll have to have an income of S$150,000 or more per year
  • Residential status. Singaporean citizens, permanent residents and foreigners can apply for an Amex credit 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

Make sure you have the following information and documents ready when you apply:

  • Personal details. You’ll need to provide personal details including your name, email address, phone number, residential address and National Registration Identity Card (NRIC) or passport.
  • Credit card information. Typically you’ll need to provide your credit card number and disclose information including your annual income bracket, whether you currently hold an Amex credit card and the type of card you wish to apply for (cashback, rewards or air miles for example).

Supporting 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

Name Product Reward Cashback Offer Annual Fee Min Income - Singaporean and PR
American Express True Cashback Card
Enjoy cashback on all purchases with no minimum spend or cap. Plus receive up to $120 CapitaVouchers when a minimum spend of $500 is made in the first month.
Earn 1.5% cashback on all eligible spending with no minimum spend or cap
$0 annual fee for the first 1 year and $171.20 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 singaporeair.com when you spend a minimum of $12,000 until 30 June 2022
$0 annual fee for the first 1 year and $176.55 thereafter
Get up to 13,300 KrisFlyer miles with a minimum spend of $3,000 in your first 3 months and an additional complimentary one-night stay at Andaz Singapore with breakfast for 2 (worth up to $440++) if you are new to American Express. T&Cs apply. Valid until 31 January 2022.
American Express Platinum Credit Card
Up to 50% off your food bill for unlimited visits at hotels around Singapore
$321 annual fee
Get a complimentary 1-night stay at The Fullerton Hotel, Premier Courtyard room (worth up to $600) with a minimum spend of $5,000 in your first 3 months of card membership, and an additional $200 in statement credits upon annual fee payment. Valid until 31 January 2022.
American Express Singapore Airlines KrisFlyer Ascend Credit Card
Earn 1.2 KrisFlyer miles per $1 spent on local purchases, with no cap.
$337.05 annual fee
Get a complimentary stay at Sofitel Singapore Sentosa Resort & Spa, Luxury Room (worth up to $460++) when you spend $5,000 within the first three months and an additional 10,000 KrisFlyer miles if you are new to American Express. T&Cs apply. Valid until 31 January 2022.
American Express CapitaCard
Earn up to 3% rebate (6X STAR$) at participating merchants in CapitaLand Malls in town.​ An additional 5% rebate (10X STAR$) at participating STAR$ X’tra Partners in CapitaLand Malls.​
$0 annual fee for the first 1 year and $171.20 thereafter
New members can receive 150,000 STAR$ while existing members can get 50,000 STAR$ upon $1,500 minimum spend within the first 3 months of card approval. T&Cs apply. Ends 31 January 2022.

Compare up to 4 providers

More guides on Finder

  • KrisFlyer UOB Account Review

    With the KrisFlyer UOB Account, you can earn up to 6.4 KrisFlyer miles per dollar spent on an eligible UOB card and enjoy a wide range of enhanced privileges.

  • UOB Lady’s Savings Account review

    Benefit from up to S$200,000 protection against female-related cancers and a range of health benefits when you save with the UOB Lady’s Savings Account.

  • Standard Chartered Bonus Saver Review

    Earn boosted interest rates on the first S$80,000 of your Standard Chartered Bonus$aver account balance when you engage in any one (or more) of the five eligible categories.

  • YouTrip vs Credit Card

    Both prepaid cards and credit cards give you the option to shop with ease – here’s how they compare.

  • Exness review

    Benefit from zero trade commission on selected accounts, low spreads and a host of advanced trading tools with Exness online brokerage.

  • UOB Delight Credit Card Review

    Get bonus rebates on groceries, contactless transactions and household bills with the UOB Delight Credit Card.

  • UOB Preferred Platinum Visa Card Review

    Earn rewards on your daily spending and save on shopping, dining, petrol and more with the UOB Preferred Platinum Visa Card.

  • UOB Professionals Platinum Card Review

    Earn generous rewards when you spend with the UOB Professionals Platinum card including perks on dining, shopping and fuel.

  • UOB JCB Card Review

    Earn accelerated rebates and get a one-year fee waiver with the UOB JCB Card.

  • UOB UnionPay Platinum Card

    Earn 2% cash rebates with no minimum spend, enjoy fuel savings and more with UOB.

Ask Finder

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy Policy and Terms.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site