American Express Singapore Airlines PPS Club Credit Card Review | Finder Singapore
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 Singapore Airlines PPS Club Credit Card Review

Get a KrisFlyer miles bonus of up to 34,000 points. Plus, free games of golf across Asia and more.

If you’re a PPS Club member who likes to get rewarded as you travel, the American Express Singapore Airlines PPS Club Credit Card could be a good choice for you. This card lets you transfer reward points to your Singapore Airlines KrisFlyer account. By earning KrisFlyer Miles for your everyday spending, you could also be able to redeem frequent flyer rewards faster.

Read on to find out more about the American Express Singapore Airlines PPS Club Credit Card.

Benefits of the American Express Singapore Airlines PPS Club Credit Card

  • KrisFlyer miles. Get 1.3 miles for every $1 you spend on all eligible purchases on your card. Plus, accrue 1.4 KrisFlyer miles per $1 spent in Singapore or 2 miles per dollar overseas if you spend more than $3,800 in a month. Additionally, get up to 3.3 KrisFlyer miles for every S$1 spent on Grab Singapore.
  • Bonus points. You could give your KrisFlyer balance a huge boost if you take advantage of all the introductory bonus points offered by this credit card. There are a total of 34,000 KrisFlyer miles available if you meet minimum spend requirements in your first three months and apply for two supplementary cards.
  • Free travel cover. Get up to S$1 million in complimentary travel accident insurance and trip cancellation cover when buying your travel tickets with your card.
  • Dining, health and sports privileges. Perks are wide ranging and include free games of golf across Asia and as much as 50% off at partner restaurants in Singapore and overseas.

Features of the American Express Singapore Airlines PPS Club Credit Card

  • Annual fee. Your primary card costs S$551.05 per year, while it’s S$80.25 for supplementary cards. Both of these fees are waived in the first year of your account(s).
  • Emergency Card Replacement. This benefit could be very helpful if your card is lost or stolen in many countries around the world.
  • Fraud Protection Guarantee. Enjoy peace of mind that you’re safe as you spend thanks Amex’s world-class security features.

Pros and cons

Pros

  • KrisFlyer miles can be fast to accumulate due to introductory offers and bonus points, such as 5,000 KrisFlyer miles when you use your card for the first time.
  • You don’t have to pay a conversion fee to move your miles into your KrisFlyer account.
  • Round-the-clock concierge service can help you with reservations and advice for your next trip away.

Cons

  • Existing Singapore Airlines PPS Club principal members only
  • Annual fee of S$551.05 will put off some people

How to apply

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

  • Select the American Express credit 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 credit card and visit 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. Supplementary cardholders must be over 18 years old
  • Minimum income. Most Amex credit cards require the following minimum income levels: S$30,000 for Singapore citizens or Singapore permanent residents (SPRs), S$60,000 for foreigners
  • PPS Club. You must be an existing Singapore Airlines PPS Club principal member
  • 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. 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

Foreigners

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 S$80 CapitaVouchers when a minimum spend of S$500 is made in the first month.
Earn 1.5% cashback on all eligible spending with no minimum spend or cap
S$0 annual fee for the first 1 year and S$171.20 thereafter
S$30,000
Apply today and get a 3% Cashback bonus when you spend S$5,000 in the first six months.
American Express Singapore Airlines KrisFlyer Credit Card
Earn 1.1 KrisFlyer Miles per S$1 spent on purchases with no cap.
S$150 cashback for use at singaporeair.com when you spend a minimum of S$12,000 until 30 June 2021
S$0 annual fee for the first 1 year and S$176.55 thereafter
S$30,000
Get up to 13,300 KrisFlyer miles with a minimum spend of S$3,000 in your first 3 months and an additional complimentary stay at Conrad Centennial Singapore Deluxe Room (worth up to S$300++) if you are new to American Express.
American Express Platinum Credit Card
Up to 50% off your food bill for unlimited visits at hotels around Singapore
N/A
S$321 annual fee
S$80,000
Get up to S$150 statement credit with minimum spend at Love Dining partners and a free Bang & Olufsen Beoplay E8 3rd Gen wireless earbuds (worth S$499) when you spend S$5,000 in the first three months. T&Cs apply. Ends 30 June 2021.
American Express Singapore Airlines KrisFlyer Ascend Credit Card
Earn 1.2 KrisFlyer miles per S$1 spent on local purchases, with no cap.
N/A
S$337.05 annual fee
S$50,000
Get a complimentary stay at Shangri-La Hotel, Singapore, Garden Wing Deluxe City View Room (worth up to S$450++) when you spend S$5,000 within the first three months and an additional 10,000 KrisFlyer miles if you are new to American Express. T&Cs apply. Ends 30 June 2021
American Express CapitaCard
Earn 3X STAR$ when you shop at participating CapitaLand malls, and more
N/A
S$0 annual fee for the first 1 year and S$171.20 thereafter
S$30,000
New card members can receive 120,000 STAR$ (worth S$120 eCapitaVouchers) upon S$2,400 minimum spend at participating CapitaLand Malls merchants within the first 2 months of card approval. T&Cs apply. Ends 30 June 2021.
loading

Compare up to 4 providers

More guides on Finder

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