Featuring generous earn rates, the Amex SIA Business Credit Card offers high rewards on business spending to all entrepreneurs. Here’s how this card works and how entrepreneurs can stand to gain from being a cardholder.
As a business owner, it is common to encounter pressing payments that need to be made. You may be tempted to turn to your personal credit card as a quick fix, but that would mean having another item on the books to reconcile at the end of the month.
Instead, entrepreneurs should apply for a business credit card for access to the credit they need, while maintaining a clear separation between business and personal expenses.
In fact, business credit cards can do much more than that – top-ranked cards like the American Express Singapore Airlines Business Credit Card come with an array of business-friendly features, and even comes with a high reward earn rate, maximising the value generated from your business spending.
Let’s have a deeper look at what this business credit card has to offer (and there’s plenty) and why every entrepreneur and business owner should consider applying for one.
Table of contents
- Helpful business-oriented benefits
- Business spending, personal rewards
- Amex SIA Business Credit Card – Tailored for entrepreneurs and business travellers
- Choose from two welcome offers
Helpful business-oriented benefits
The Amex SIA Business Credit Card stands out for its well-composed array of business-oriented benefits that make it a superior choice over personal credit cards.
Fly now, pay later
When you need to make a trip to secure an important business deal, you can go ahead and do so without worry. That’s because with Pay Small for Singapore Airlines spends, you can split up the cost of your flight tickets into six instalments at zero interest.
Simply charge your Singapore Airlines purchases using this credit card, and this feature will be available as long as you have been paying your Card Account in full each month.
Generous earn rates
The Amex SIA Business Card provides generous earn rates under the HighFlyer Programme, a dedicated business travel programme geared towards optimising returns on business travel.
HighFlyer is not offered through any other credit cards in Singapore, so be sure to capitalise on this unique perk to maximise your business spend.
Simply charge your expenses to the card to automatically earn HighFlyer points on eligible expenses. Here’s how much you can earn:
- Up to 8.5 HighFlyer points per S$1 spent on eligible Singapore Airline Group flights (worth 8.1% cashback)
- 1.8 HighFlyer points per S$1 spent on all other eligible spends (worth 1.7% cashback)
Franky, these earn rates are among the best you’ll find among any other business credit cards. Especially for those who travel frequently for business, this card will generate sizable savings on your business expenses while racking up rewards so quickly you’ll soon be travelling in comfort and style.
Yes, HighFlyer points can be used to redeem or pay for SIA flights in part or full – with no caps or blackout dates. There’s no limit to how many HighFlyer points you can earn, and with a validity of three years, you can have utmost flexibility to enjoy your rewards as you wish.
Accor Plus membership
As a cardholder, you will be entitled to an Accor Plus membership (worth S$418) that comes with one free night’s stay every year.
Beyond that, you will also enjoy preferential member rates and dining deals at over 1,000 hotels across 20 countries, ranging from luxury properties such as Fairmont, Pullman, Swissotel, Sofitel and Mondrian to budget-friendly options like Mercure and Novotel.
Together, the free night and the preferential rates help your business save on accommodation costs when attending conferences and networking events overseas, or when making business visits to clients, vendors and partners. You can also earn Accor Plus membership points to enjoy more perks and benefits during future stays.
Oh and let’s not forget that your Accor Plus membership isn’t just for business trips only. Feel free to treat yourself and your family to a well-deserved leisure stay at any Accor property – and pay less while doing so.
Travel perks and privileges
The Amex SIA Business Credit Card also comes with several more travel benefits. Firstly, you will receive a fast track to KrisFlyer Elite Gold status with business spends S$15,000 and above with the Singapore Airlines Group within the first 12 months.
With KrisFlyer Elite Gold, a world of travel privileges await you, starting with KrisFlyer Gold Lounge access at Changi Airport and access to over 1,000 Star Alliance Gold Lounges worldwide.
You can also enjoy an additional 20 kg luggage check-in allowance, priority airport check-in and baggage handling, priority boarding for Economy class, and a more elevated experience whenever you fly.
Even if you don’t quite spend enough for KrisFlyer Elite Gold, you can still have a more enjoyable experience when flying. Your Amex SIA Business Credit Card also comes with a complimentary Priority Pass membership (worth S$221) that offers two free lounge visits at participating lounges per year. You can make use of both visits yourself or bring along a guest.
Additionally, you will also receive complimentary Hertz Gold status, which provides 10% off standard rates, one car class upgrade, and waiver of additional driver fee. This can help you save on business costs if your employees need to rent a car during their business trips.
Business spending, personal rewards
Now, the unique thing about the Amex SIA Business Credit Card is how it allows you to convert business spending into personal rewards. Here’s how it works.
HighFlyer points you earn on your business account can be converted to KrisFlyer miles on a 1:1 basis. This means you can convert your business spending into personal rewards for yourself, or generate additional KrisFlyer miles for employee benefits.
And given the generous earn rates for SIA flights and other eligible spending, you and your employees will be enjoying high personal rewards in the form of KrisFlyer miles after conversion as you charge business expenses to your Amex SIA Business Credit Card.
Do note that you’ll have to work within the following restrictions though:
- Each HighFlyer account can be linked to five KrisFlyer accounts at once
- The maximum number of HighFlyer points you can convert to KrisFlyer miles is 150,000 in each calendar year
- Each KrisFlyer account may only receive a maximum of 30,000 KrisFlyer miles converted from HighFlyer points per calendar year. Hence, the maximum HighFlyer points you can convert per KrisFlyer account in a calendar year is 30,000
Earn both HighFlyer points and KrisFlyer miles on SIA Group flights
And let’s not forget that you can earn both HighFlyer points and KrisFlyer miles at the same time. Here’s how:
Whenever you (or your employee) purchase an eligible SIA group flight through the SIA HighFlyer Corporate Traveller Portal on the Amex SIA Business Credit Card, you will earn HighFlyer points on the business account. At the same time, you’ll also earn KrisFlyer miles on your personal account from flights flown.
Later on, simply convert your HighFlyer points to get up to 30,000 more KrisFlyer miles per calendar year for flight redemptions and other perks.
Amex SIA Business Credit Card – Tailored for entrepreneurs and business travellers
Between the high earn rates and multiple travel privileges, the Amex SIA Business Credit Card has the potential to create substantial savings for business travellers and entrepreneurs.
The ability to earn up to 8.5 HighFlyer points per dollar on eligible Singapore Airlines Group flights, as well as being able to convert up to 30,000 HighFlyer points to KrisFlyer miles per account per calendar year is what makes this card truly rewarding, especially since your rewards add up the more you use it.
You can also easily track your business expenses via the monthly credit card bill generated for your business account.
All these mean that the Amex SIA Business Credit Card may just be a highly rewarding credit card for business owners and those who need to travel frequently for business needs.
Even if business travel isn’t a large expense category, don’t forget you can still earn 1.8 HighFlyer points per dollar (worth 1.7% cashback) on an unlimited basis on eligible transactions – which you can later convert into KrisFlyer miles to reward hard working staff and give them a boost for their year-end holidays. Or, reward yourself with a flight upgrade the next time you fly.
Choose from two welcome offers
Thinking of applying for the Amex SIA Business Credit Card? There’s no better time to do so! You can choose from either of the following welcome offers, yours to savour.
Welcome offer 1
- 57,200 HighFlyer points. Granted upon annual fee payment and min. spending of S$6,000 within the first 3 months of Card approval.
- Additional 10,800 HighFlyer points for the above S$6,000 spent (based on 1.8 HighFlyer points per S$1 spent).
Welcome offer 2
- Samsonite Choca Spinner 68/25 worth S$700. Granted upon annual fee payment and min. spending of S$6,000 within the first 3 months of Card approval.
- Additional 10,800 HighFlyer points for the above S$6,000 spent (based on 1.8 HighFlyer points per S$1 spent).
This article was written in partnership with AMEX
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