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American Express Credit Cards

American Express credit cards offer rewards, extras and premium services tailored for your lifestyle and income level.

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Georgia Tan

Zyane Tan

Updated Jan 11, 2021. What changed?

Fact checked

Whether you seek great deals in wining and dining, travel, shopping or entertainment, or exclusive premium services such as golf and concierge services, Amex has a wide variety of credit cards for you to choose from.

Read on to learn about what benefits American Express credit cards offer and the typical eligibility requirements you’ll need to meet before you apply.

American Express True Cashback Card

Receive S$150 Cashback when you apply and spend S$5,000

Offer ends after your first six months

Eligibility criteria, terms and conditions, fees and charges apply

American Express True Cashback Card

Apply today and enjoy 1.5% cashback on eligible purchases with no minimum spend and no earn cap.

Principal Annual Fee: S$0 annual fee for 1 year - S$171.20 thereafter.
Cashback Rate: 1.5%
Annual Interest Rate: 26.9%
Minimum Income (Singaporean & PR): S$30,000
Minimum Income (Non-Singaporean): S$60,000

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Compare credit cards from American Express

Name	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	S$30,000	Apply today and get a 3% Cashback bonus when you spend S$5,000 in the first six months.	Go to site More Info	Compare	loading Fetching your data...
American Express Singapore Airlines KrisFlyer Credit Card	For every S$1 spent, earn 1.1 KrisFlyer miles on all eligible purchases, 2 KrisFlyer miles in foreign currency spent overseas during June and December.and 3.1 KrisFlyer miles on eligible Grab Singapore transactions.	S$150 cashback for use at singaporeair.com when you spend a minimum of S$12,000 until 30 June 2022	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 one-night stay at Andaz Singapore with breakfast for 2 (worth up to S$440++) if you are new to American Express. T&Cs apply. Valid until 31 January 2022.	Go to site More Info	Compare	loading Fetching your data...
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 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.	Go to site More Info	Compare	loading Fetching your data...
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 Sofitel Singapore Sentosa Resort & Spa, Luxury Room (worth up to S$460++) when you spend S$5,000 within the first three months and an additional 10,000 KrisFlyer miles if you are new to American Express. T&Cs apply. Valid until 31 January 2022.	Go to site More Info	Compare	loading Fetching your data...
American Express CapitaCard	Earn up to 3% rebate (6X STAR$) at participating merchants in CapitaLand Malls in town. An additional 5% rebate (10X STAR$) at participating STAR$ X’tra Partners in CapitaLand Malls.	N/A	S$0 annual fee for the first 1 year and S$171.20 thereafter	S$30,000	New members can receive 150,000 STAR$ 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.	Go to site More Info	Compare	loading Fetching your data...

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*The products compared here are chosen from a range of offers available to us and are not representative of all the products available in the market. There is no perfect order for the products we list on our site, so we enable you to re-order and compare products. The initial display order is influenced by a range of factors including commercial partnerships, product costs and conversion rates, so please don’t interpret the listing order as an endorsement or recommendation from us. We’re happy to provide you with the tools you need to make better decisions, and we encourage you to make your own decisions and compare and assess products based on your individual needs, preferences and circumstances.

Types of American Express credit cards

From cashback and first-year fee waivers to year-round savings, American Express offers a wide range of credit cards tailored for those who want exclusive perks and privileges across travel, dining, shopping and lifestyle. Compare your options based on the following types of cards, your spending preferences and financial circumstances.

Amex offers several cashback credit cards including the American Express True Cashback Card. Cardholders can earn cash rebates on all purchases without minimum spend requirements and no cap. You could also receive extra cashback as an introductory offer on qualifying transactions. In addition, an Amex cashback card will give you access to a wide range of dining privileges with American Express Selects at participating restaurants in Singapore and worldwide, as well as 24/7 customer care and global assistance concierge services.

Learn more about cashback credit cards

American Express rewards credit cards let you earn reward points on all your spending. Reward points do not expire, giving you a choice of redeeming them immediately or saving them up for future use. Membership reward points can be used for any purchases with your rewards credit card. Over 200 vendors participate in the membership rewards program, meaning you can use your points on shopping, wining and dining, travel, gift vouchers or to make charitable donations.

The Amex rewards cards available include the American Express Platinum Credit Card and the American Express CapitaCard. Depending on which rewards card you hold, you’ll also have the option to convert your points to frequent flyer miles from any Amex airline partner or CapitaVouchers that can be used at all CapitaLand Malls.

Learn more about rewards credit cards

There are several Amex credit cards designed for those who want to quickly earn KrisFlyer miles on almost all everyday spending. Cardholders will benefit from a higher KrisFlyer miles earn rate when spending in-flight and online on singaporeair.com, SingaporeAir App, silkair.com and at KrisShop with no cap. Foreign spend and Grab rides charged to your Amex card will also enjoy an accelerated KrisFlyer miles earn rate.

You’ll be able to redeem your KrisFlyer miles to fly with Singapore Airlines (SIA) or any of its partner airlines. The Amex SIA KrisFlyer credit cards available include the American Express Singapore Airlines KrisFlyer Credit Card and American Express Singapore Airlines KrisFlyer Ascend Credit Card. On top of that, cardholders will have access to many luxury perks and privileges that come with an Amex credit card, including complimentary travel insurance, special privileges at Hertz, discounts at the best restaurants in Singapore and worldwide through American Express Selects. You’ll also enjoy card-specific credit card promotions and discounts with a host of online merchants such as Expedia and Shopee.

Learn more about air miles credit cards

American Express has one dedicated shopping credit card which is ideal for those who frequently shop at CapitaLand malls in Singapore. With the American Express CapitaCard, you’ll earn loyalty points on purchases across CapitaLand malls. If you have a Capistar account with CapitaLand, those loyalty points can be credited directly to your account.

Cardmembers will also benefit from complimentary and privileged parking across participating CapitaLand malls when you meet the minimum monthly spend charged to your credit card. New cardholders could also enjoy a variety of sign-up offers and access exclusive Amex card perks such as dining discounts through American Express Selects and savings on travel and hotels with Live The World.

With American Express Platinum series cards, including the American Express Platinum Credit Card, you can enjoy dining privileges and save at some of the finest and most popular restaurants and selected 5-star hotels in Singapore. American Express Selects also offers further discounts and 1-for-1 deals at a wide selection of restaurants in Singapore and around the world.

Learn more about dining credit cards

Features of an American Express credit card

If you’re unsure whether an American Express credit card is right for your needs, consider the following features:

Rewards. American Express reward points do not expire. Your reward points can be converted to frequent flyer miles from any Amex or KrisFlyer partner airline including Asia Miles, British Airways Executive Club, Dynasty Flyer, Emirates Skywards and Singapore KrisFlyer without a miles transfer fee when you redeem your rewards online. When you pick your favourite five places to shop, dine and spend in Singapore, you’ll also be rewarded with extra bonus points every time you spend at these participating outlets.
Complimentary extras. Enjoy a wide array of complimentary extras including the opportunity to earn bonus KrisFlyer miles on Singapore Airlines in-flight and online purchases, as well as on your Grab spending, preferential rentals of portable Wi-Fi routers by Changi Recommends and exclusive Hertz privileges. Most Amex cardholders can access 24-hour concierge services and enjoy savings on dining, entertainment, shopping and travel through Amex-wide credit card promotions and American Express Selects locally and worldwide. Certain cards may also provide complimentary travel insurance and exclusive golf, health and wellness privileges. Others offer up to two nights of complimentary hotel visits in Singapore.
Mobile payments. Most American Express credit cards are eligible to use with Apple Pay, Samsung Pay, Google Pay and Amex’s own mobile payment platform, Amex Pay. If paying via mobile is a feature you prefer to use, make sure you check whether the credit card you choose is Apple Pay, Samsung Pay, Google Pay or Amex Pay friendly.
Fraud protection guarantee. All American Express credit cards are protected against fraud. If you’re a victim of credit card fraud, you’ll be covered by a fraud protection guarantee and won’t be liable for any unauthorised spending on your account. American Express has intelligent security and secure payment systems in place to protect your purchases whether they’re online or in-store, in Singapore or overseas.
Travel inconvenience and travel accident benefits. Most Amex credit cards offer free travel inconvenience and travel accident benefits when you charge your travel tickets to your card.
Emergency card replacement. American Express Singapore Airlines KrisFlyer Credit Cards ensure emergency card replacement within one business day from anywhere in the world.

How to apply

You may be able to apply for an American Express credit card online in under 15 minutes.

Follow these steps to apply for an American Express credit card:

1. Compare all of the American Express credit cards in the comparison table above.
2. Select the credit card that best suits you, considering your income level, lifestyle, credit needs and spending patterns.
3. Check that you meet the eligibility criteria for your chosen credit card by selecting “Compare” in the table.

Once you submit your card application online, you’ll receive an instant decision within 60 seconds. Some approvals are granted as conditional approvals.

If this is the case, you’ll receive 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 applying, ensure you meet the eligibility requirements and have the necessary documents on hand.

Eligibility criteria

Eligibility criteria may vary from card to card, especially in terms of income, but in general you can expect the following:

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
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

- 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 latest 3 months’ computerised payslip
- Photocopy of your NRIC (front and back) AND
- Latest Income Tax Notice of Assessment for the last two years
- Latest three months’ computerised payslip
- 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)

Frequently asked questions

You can pay your American Express credit card bills through the following methods:
- Cash payment at SingPost counters (subject to an S$8,000 cap or the outstanding balance, whichever is lesser)
- Interbank GIRO
- Cheque
- Self-service Automated Machines (SAM) or AXS stations island-wise (including through AXS e-stations online and via mobile)
- Apply for automatic bill payment service
Before you can revise your credit limit, your account with American Express must have been open for more than six months. To enable a review of your permanent spending limit, you need to submit your latest income document and complete the Spending Limit Review Form.
Send your completed form and latest income document to American Express using the fax number 6295 5022, or mail it using the Business Reply Service Envelope included with the form.

Thank you for your feedback!

Georgia Tan

Georgia Tan was a writer at Finder specialising in consumer comparisons.

American Express Credit Cards