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How do credit card concierge services work?

A concierge service offers cardholders a range of assistance for their special requests including entertainment, travel and shopping services.

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$120 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
Apply today and get a 3% Cashback bonus when you spend S$5,000 in the first six months.
American Express Platinum Credit Card
Up to 50% off your food bill for unlimited visits at hotels around Singapore
S$321 annual fee
Get a complimentary 1-night stay at The Fullerton Hotel, Premier Courtyard room (worth up to S$600) with a minimum spend of S$5,000 in your first 3 months of card membership, and an additional S$200 in statement credits upon annual fee payment. Valid until 31 January 2022.
American Express CapitaCard
Earn up to 3% rebate (6X STAR$) at participating merchants in CapitaLand Malls in town.​ An additional 5% rebate (10X STAR$) at participating STAR$ X’tra Partners in CapitaLand Malls.​
S$0 annual fee for the first 1 year and S$171.20 thereafter
New members can receive 150,000 STAR$ while existing members can get 50,000 STAR$ upon S$1,500 minimum spend within the first 3 months of card approval. T&Cs apply. Ends 31 January 2022.
UOB Visa Infinite Metal Card
Get 2 air miles per S$1 spent overseas and 1.4 air miles per S$1 spent locally
S$642 annual fee
Receive up to 25,000 miles (UNI$12,500) when you’ve paid the annual fee. T&Cs apply.
DBS Altitude Card
Earn up to 4 miles per S$1 spend, with no expiry
Get S$200 Great World e-vouchers when you apply online and charge a minimum of S$200 within 30 days from card approval date. T&Cs apply.
S$0 annual fee for the first 1 year and S$192.60 thereafter
Get S$200 Great World e-vouchers with promo code ‘DBSGW' when you apply online via digibank or Myinfo with Singpass and charge a minimum of S$200 within 30 days from card approval date. T&Cs apply. Ends 30 Nov 2021.
Get fee waiver for the first year and up to S$192.60 thereafter, with 10,000 bonus miles.
Standard Chartered NUS Alumni Platinum Credit Card
Earn 1 reward point for every S$1 charged to your card.
Receive up to S$200 cashback when you apply and make one eligible transaction. T&Cs apply. Ends 7 Sep 2021.
S$0 annual fee for the first 2 years and S$192.60 thereafter
Get 6 months of Disney+ subscription when you successfully activate your card. T&Cs apply. Ends 30 Nov 2021. Receive up to S$120 cashback when you apply and make one eligible transaction.
Standard Chartered Business Platinum Credit Card
Earn 1 Rewards point for every S$1 charged to your card
S$0 annual fee for the first 3 years and S$160.50 thereafter
Standard Chartered Visa Infinite X Credit Card
5 Rewards Points per $1 spent.
Get Cashback/Reward points/Bonus Interest on IRAS, Education, Insurance & Rental payment. T&Cs apply
S$695.50 annual fee
Apply today via MyInfo and receive S$20 cashback. Ends 31 July 2020.
Standard Chartered Priority Banking Visa Infinite Credit Card
Earn 2.5 points for every $1 spent on your credit card
Receive up to S$80 cashback when you apply a new credit card. T&Cs apply. Ends 7 Sep 2021.
S$321 annual fee
Get 6 months of Disney+ subscription when you successfully activate your card. T&Cs apply. Ends 30 Nov 2021.
Citi Prestige Card
Deals and discounts in more than 90 countries. Also, get six complimentary golf games across Asia
Up to 20% cashback at selected merchants
S$535 annual fee
Get a welcome gift of 62,500 Citi ThankYou Points (25,000 Miles) or Gadget Welcome Gift. T&Cs apply. Ends 31 Dec 2021.
Standard Chartered Prudential Platinum Credit Card
Earn 5 Rewards points on eligible dining transactions and 1 Rewards point on all other eligible transactions for every S$1 charged to your card
Receive up to S$200 cashback when you apply and make one eligible transaction. T&Cs apply. Ends 7 Sep 2021.
S$0 annual fee for the first 2 years and S$192.60 thereafter
Get 6 months of Disney+ subscription when you successfully activate your card. T&Cs apply. Ends 30 Nov 2021. Receive up to S$120 cashback when you apply and make one eligible transaction.
Maybank Business Platinum Mastercard
Get your business logo printed on your card. Plus, enjoy a global concierge service
Get up to S$50 cash credits to offset your credit card payments
S$0 annual fee for the first 2 years and S$180 thereafter
Earn TREATS Points for every dollar spent and redeem them for vouchers, cash credits and air miles.
Standard Chartered Visa Infinite Credit Card
Up to 3 miles for every $1 charged to your card with S$2,000 minimum spend
S$588.50 annual fee
Earn 35,000 bonus miles in the form of 87,500 points when you apply for the Visa Infinite Credit Card.
Maybank Visa Infinite Credit Card
Complimentary two-way airport limousine transfers. S$3,000 minimum spend per month
Earn up to 5X TREATS Points (2 air miles) on all spend
S$0 annual fee for the first 1 year and S$600 thereafter
Get complimentary enrolment to Maybank's Rewards Infinite Programme and gain access to VIP perks as you earn up to 5X reward points that never expire.
Maybank World Mastercard
A range of dining, shopping and travel deals - including up to S$1,000,000 of travel insurance
10X TREATS Points (4 air miles) on every S$1 spent at selected merchants
S$0 annual fee for the first 1 year and S$240 thereafter
Receive Garmin vívomove Style (worth S$469) when you apply, charge to your card and withdraw from your CreditAble account with a minimum of S$300 for each of the first two months upon approval. T&Cs apply.

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What is a credit card concierge service?

Generally, a concierge service is a complimentary benefit offered by your credit card provider to handle your requests. Usually, they are available 24 hours a day, seven days a week and are available by calling a phone number provided by your credit card provider.

Concierge services can mimic the services of a valet or a personal assistant who takes care of your requests so you don’t have to: you can get help with hotel or restaurant bookings, finding special gifts and access a range of service providers.

How does a credit card concierge service work?

First, you need to ensure that your credit card comes with a concierge service. Upon application, you will know whether you have this feature or not. If you do, your credit card provider would have provided you with a list of phone numbers you can contact in order to make your requests. You will be informed of the costs and options if there are any before booking or making a purchase that you request. The concierge will not incur any costs on your unless you’ve approved. Some high-tier concierge services also come with an app, letting you put your requests in writing as you go. Your concierge will notify you about the details of request, such as the time it will take for your items to be delivered or the details of your restaurant reservation. If your request will take awhile to complete, your concierge will give you date and time as to when it will be finished.

What types of concierge services are available?

There are a few types of credit card concierge services dedicated to your particular credit card. Depending on what level your credit card is, the number of concierge services available to you could be different. For example, American Express has a rewards concierge available exclusively to eligible American Express credit cards.

Platinum concierge. This is the standard concierge service to cover all types of personal assistance including flight information, sourcing, purchasing and delivery of tickets for a show, concert or sporting event, providing details of events and shows in your city, hotel and travel information as well as reservations for restaurants. These services are on a referral or arrangement basis and any third party expenses will be the cardholder’s responsibility.

Rewards concierge. A rewards concierge offers certain cardmembers a personal concierge service using their membership rewards points if applicable. Rewards concierges can organise your requests by spending your rewards points.

hotel concierge counter

Quick look at credit cards with concierge services in Singapore

  • UOB Visa Infinite MetalConcierge. Access to a medical concierge is one of the standout perks with this UOB card. Plus, you can take advantage of home, vehicle and travel benefits. You can enjoy four free lounge passes per year and complimentary travel cover.
  • Standard Chartered Visa Infinite XConcierge. Two complimentary lounge passes annually, special privileges with top hotels and Hertz rental privileges are among the benefits of choosing this card.
  • American Express PlatinumConcierge. By being part of Amex’s Platinum Concierge, you can make the most of a host of benefits including access to premier restaurants and events globally. Get exclusive club entries, complimentary green fees, spa vouchers and more.

How to compare credit card concierge services

In most cases, the credit card holder will not be able to choose the type of concierge service that comes with their card. Here are some things that your concierge should be providing:

  • Lifestyle services. This should cover all types of personal assistance and lifestyle requests not limited to but including; car rental, limousine and car service information, mail and fax packages, holiday house information, shopping location information, floral arrangements, party planning, arrangement for hairstylists, fitness trainers as well as stress relief massages.
  • Charges. All concierge services should provide you with detailed information of any costs with your request. You will not be charged for the research performed by the concierge. As the cardholder, you are responsible for the following; cost and delivery of the goods and services purchased, any deposits you’ve put down for the item, costs of cancellation, custom duties and any other costs incurred to fulfil your request.

Pros and cons


  • They can be used to organise events that you don’t have the time to sort out yourself, or that you are not sure how to sort out yourself. You may need to track down some special item but are not really sure where to start. Alternatively, you may be in unfamiliar territory – on a holiday or a business trip, and not know where to look to find something locally.
  • Credit card concierge services can also be used for less obvious purposes. Many cardholders call and ask for gift ideas, to check on a flight, to arrange for new travel documents such as passports and travellers cheques to be replaced if they have been lost or stolen. It may be as simple as getting directions around a strange city.
  • If you do fancy a night out at a popular and busy restaurant, you may be better off leaving that to a credit card concierge service because they have good relationships with such establishments. For example, the American Express concierge service has agreements with over 1,200 restaurants around the world.
  • Calling a Credit card concierge services allows you to speak to a human straight away, and you can leave your request with them.


  • High annual fee. Most credit cards that have a complimentary concierge service usually come with a high annual fee, as this feature is normally available with high end credit cards.

Things to avoid about credit card concierge services

  • Ignoring your financial situation – A concierge service shouldn’t be the only factor in deciding which credit card is most suitable for you. While this feature is handy, you typically pay for it within your high annual fee. Concierge services are designed for those who don’t have enough time to do their requests themselves.
  • Poor customer service – It could be worth looking into how well each service compares in terms of how quickly and efficiently they look after their customer requests. Credible travel forums or comparison sites may be a good starting point in your research.

Frequently asked questions

What are the fees for using a credit card concierge service?

While there is no fee for using the concierge service, any other fees incurred are payable by you, such as the purchase and delivery of the item you’ve requested.

Where can I find credit cards with a concierge service?

Credit card concierge services are fairly standard on most premium and platinum credit cards. Please use the comparison below to help you in your search.

client handing credit card to concierge

Pictures: Shutterstock

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