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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 $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.
  • Free travel cover. Get up to $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 $551.05 per year, while it’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


  • 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.


  • Existing Singapore Airlines PPS Club principal members only
  • Annual fee of $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: $30,000 for Singapore citizens or Singapore permanent residents (SPRs), $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


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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