American Express Membership Rewards Program Credit Cards

Use your Amex card to earn Membership Rewards points as you spend and redeem them for flights, cashback and more.

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The American Express Membership Rewards program is designed to incentivise card use and reward customers for their loyalty. This means that you earn reward points each time you make a purchase on your card. The more you spend, the more points you will accumulate.

You can then use your points to redeem various travel, shopping and entertainment rewards. You can even transfer Membership Rewards points to any of the American Express airline and hotel partner programs, including Singapore Airlines KrisFlyer, Cathay Pacific Airways Asia Miles and Hilton Honors programs. Read on to find out how the Membership Rewards program works and how it could help you get more value from your American Express card.

Comparison of American Express Membership Rewards Credit Cards

Name Product Rewards Points (AMEX) Rewards Points Eligible Spend (AMEX) Annual Fee
American Express Platinum Credit Card
S$321 annual fee
Get Samsonite luggage (worth S$600) and a 1-night stay at Swissotel The Stamford Singapore (worth S$529) when you pay the annual fee in the first statement and spend S$4,500 in the first 3 months. Ends 31 March 2020.

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How to earn Membership Rewards

If you’re enrolled in the Membership Rewards program, you can earn points in a few different ways:

Reward credit cards

Start earning Membership Rewards now with an American Express credit card. While the rate at which you can earn points differs among cards, you can typically earn at least 1 point per S$1 spent or more with some cards. For instance, the American Express Platinum Credit Card lets you earn a total 2 points for every full S$1.60 spent. You’re also entitled to earn 10 Membership Rewards points for every S$1.60 spent at at American Express Platinum EXTRA Partners like IWC, Moschino, American Tourister and The Hour Glass.

Many of these cards also come with bonus points on sign up, allowing you to earn tens of thousands of points when you meet the spend requirements on your first purchases with the new card. To further boost your balance, you can also earn bonus points by shopping with certain retailers or by successfully referring friends to the card scheme. Another way to increase your points-earning potential is to obtain additional cards for your family, business partner or employees so that their expenses jointly contribute to your reward points balance.

American Express offers

American Express frequently offers extra opportunities to earn bonus points or cashback by shopping with your card at partnered retailers. The simple steps are:

  1. Shop the existing offers online or via the American Express app.
  2. Save the offers that you like to your card.
  3. Spend using your card.
  4. Enjoy the savings that are credited to your account.

Stores that have participated in the past include CapitaLand shopping malls, Al-Futtaim Retail Asia (formerly Robinsons), Metro, OG, Watsons, Isetan and more.

Refer a friend and earn

You can earn up to 200,000 points per year by successfully referring a friend or family member to the American Express card scheme. All you need to do is:

  • Log into your account and select the card you’d like to refer.
  • Send the link for the chosen card to your invitees, by email or via social media.
  • Wait for the bonus reward points to be credited once they’re approved.

Your friend will also stand to receive bonus sign-up points and perks, such as annual fee waivers. Certain terms and conditions may apply and will vary with each card.

How can I redeem my Membership Rewards?

Now that you know how you can pick up points, check out some of the following ways you can put them to good use:

Pay with points

The Membership Rewards program lets you use your points to pay for purchases or cover the cost of your annual fee. You can select “Pay with Points” by logging into your account online or via the American Express app. Once logged in, select the eligible transaction from your online account and you’ll receive a credit within 72 hours. A minimum of 1,000 points must be redeemed at any one time and credits cannot exceed the relevant charges or your current outstanding balance. 1,000 points is equal to S$4.80 spent at the time of writing, but this may change in the future. Alternatively, you can pay for annual card fees or membership fees via “Points for Fees”. Required points vary with different credit cards.

Travel with points: Flights with frequent flyer partners

If you belong to any of the partnered airline loyalty programs, you can exchange your Membership Rewards points for frequent flyer points or miles with any of the following:

  • Cathay Pacific Airways Asia Miles
  • British Airways Executive Club
  • China Airlines Dynasty Flyer
  • Emirates Skywards
  • Malaysian Airlines Enrich
  • Singapore Airlines KrisFlyer
  • Thai Airways Royal Orchid Plus

Transfer rates, minimum transfer amounts and eligible transfer partners may vary depending on your credit card, but you can view your applicable rates and partners by logging into your account online or via the app. For instance, you may transfer your Membership Rewards points to the Singapore Airlines KrisFlyer program as long as you have a KrisFlyer account in your name. The rate is currently 450 Membership Rewards points to 250 KrisFlyer miles and each transfer must be at least 450 points. Your points transfer will usually take up to up to four weeks to be processed.

Book a holiday through American Express Travel

  • Flights. Visit the American Express Travel website, search for your roundtrip, one-way or multi-stop flight and pay for it for using your Membership Rewards points. The program has more than 40 partner airlines, covering a wide network of routes that can carry you anywhere in the world.
  • Car hire. Your Membership Rewards points can be used to book a rental car to be picked up at your travel destination.
  • Hotel. Search for hotel options on the website and enjoy periodic promotions such as a complimentary night’s stay.
  • Hotel packages. Access more attractive prices when you purchase “Flight & Hotel” or “Flight, Hotel & Car” packages with your Membership Rewards points.
  • Experiences. Search for “experiences” on the website and be surprised by exciting tailored activities such as hot air balloon rides, exclusive shopping tours, cooking classes, cultural performances, walking tours and much more.
  • Cruises. Book a cruise via the American Express Travel website and use your Membership Rewards points to pay for all or part of your trip.

Gift cards

Your Membership Rewards points can also be converted into gift cards to be spent on retail, entertainment, online specialty stores or travel. Gift cards for amounts between S$10 and S$1,000 are perfect for gifting or using yourself either in-store or online. Retail stores include Dorothy Perkins, Best Denki, Metro, American Tourister, Tiffany and Co. and more, with S$10 gift cards starting from 2,200 points.

How to pool your Membership Rewards

If you have more than one American Express credit card eligible for earning Membership Rewards, you can pool your points together by linking your cards. You can call the number on the back of your card to arrange this.

amex membership rewards

How do I enrol in the Membership Rewards program?

Existing cardholders can log in or register online to enrol in the program. Alternatively you can also call the Customer Service hotline at the back of your Card (fees may apply). Corporate cardholders can enrol only if your company has chosen to participate in the program. Please consult your Program Administrator to discuss your options. If you’re a new Amex customer and you apply for a reward card, you’ll automatically be enrolled into the Membership Rewards program.

How to manage your Membership Rewards account

Checking your points balance.

Once enrolled, you can log into your account online or via the smartphone app to check your points balance anytime.

How to reinstate forfeited points

Membership Rewards points are forfeited when an account payment becomes more than 40 days overdue. To reinstate them, you’ll first need to pay the overdue bills. Next, reinstate your points online by logging into your account or by calling the Customer Service hotline indicated at the back of your Card (fees apply). A fee will apply and you must reinstate forfeited points within 90 days of your statement due date or those points will permanently expire.

How to transfer points

First, you will need to register your frequent flyer or hotel loyalty program membership number by logging into your account online. After you’ve linked your membership number to your Membership Rewards account, you can then a request a points transfer online. Please allow two to three weeks for your points to appear on your Frequent Flyer or Frequent Guest program account.

Picture: Shutterstock

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