American Express credit cards

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

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American Express

American Express offers a range of credit cards for you to earn a variety of membership rewards to suit your lifestyle. Whether you seek good 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.

Learn more about what benefits American Express cards have to offer and the eligibility requirements you’ll have to meet before applying.

American Express True Cashback Card

American Express True Cashback Card

Receive S$150 Cashback when you apply 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: 25.9%
  • 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 Product Balance transfer rate Reward Annual Fee Min Income - Singaporean and PR
0%
1.5% cashback on all purchases with no minimum spend and no cap
S$0 annual fee for 1 year - S$171.20 thereafter
S$30,000
Receive 3% Cashback bonus and up to S$150 Cashback when you spend S$5,000 in the first six months.
0%
Get up to 1.1 KrisFlyer miles for every S$1 spent
S$0 annual fee for 1 year - S$176.55 thereafter
S$30,000
Earn 7,500 bonus KrisFlyer miles when you spend S$5,000 within three months of card approval. Ends 30 September 2019.
0%
Up to 50% off your food bill for unlimited visits at hotels around Singapore
S$321 annual fee
S$50,000
Receive a 1-night stay at Swissotel Singapore (worth S$529) when you pay the annual fee upon card approval and spend S$4,500 in the first 3 months. T&Cs apply. Ends 30 September 2019.
0%
Get up to 1.2 KrisFlyer miles for every S$1 spent
S$337.05 annual fee
S$50,000
Earn 15,000 bonus KrisFlyer miles when you spend S$10,000 within three months of card approval. Ends 30 September 2019.
0%
Earn 3X STAR$ when you shop at participating CapitaLand malls
S$0 annual fee for 1 year - S$171.20 thereafter
S$30,000
Receive an American Tourister Hypebeat 79/29 Spinner luggage (worth S$239) when you spend S$3,000 within the first three months of card approval. Ends 30 September 2019.

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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 Zalora, Lazada, Expedia and Agoda.

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, Malaysia Enrich, Thai Royal Orchid Plus 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.
  • 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 credit cards ensure emergency card replacement within one business day from anywhere in the world.

How to apply

You can 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.
  4. When you’re ready to apply, click “Go to site” to start your online application with Amex.
  5. 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

    Frequently asked questions

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