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Go places with these top AMEX credit cards, from the Singapore Airlines KrisFlyer Blue to the True Cashback.
Being a global brand, American Express is known for its superior customer service as well as worldwide acceptance of its credit cards. In Singapore, the most common perk is the ability to travel with one of the world’s leading airlines – Singapore Airlines, especially if you own one of their co-branded cards like the Singapore Airlines KrisFlyer or Singapore Airlines KrisFlyer Ascend.
With these cards, you won’t have to worry about converting your miles to KrisFlyer miles and be charged the usual air miles conversion fees. A little less known benefit of American Express cards is that you can also benefit from luxury staycation experiences and shopping privileges around Singapore.
Here is a summary of the best AMEX credit cards in Singapore for 2023.
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- Best For Entry Level Miles Card: AMEX Singapore Airlines KrisFlyer Credit Card
- Best For Airport Lounge Access: AMEX Singapore Airlines KrisFlyer Ascend Credit Card
- Best For Dining and Entertainment: AMEX Platinum Credit Card
- Best For Cashback: AMEX True Cashback Card
- Best For Capitaland Shopping: AMEX CapitaCard
- Best For Low Spenders: AMEX Rewards Card
- Best For Overall Luxury Spend and Travel: AMEX Platinum Charge Card
SingSaver Flash Deal: For a limited time only, snag a Dyson Airwrap™ multi-styler (Complete) (worth S$859) on top of your chosen reward if you are one of the first 10 applicants of select OCBC and Standard Chartered Credit Cards at 12pm, 3pm, 6pm daily during the flash deal period. Valid till 1 October 2023. T&Cs apply.
Best American Express Cards in Singapore 2023
| Credit Card | Best For | Key benefits |
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Entry-level miles card
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3.1 miles per S$1 spend for Grab Singapore rides (capped at $200 each month)
1.1 miles per S$1 on local spend
2 miles per S$1 for overseas spend in June and December
No miles conversion fees First-year fee waiver |
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Airport lounge access
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3.2 miles per S$1 spend for Grab Singapore rides (capped at S$200 each month)
1.2 miles per S$1 on local spend
2 miles per S$1 on overseas spend in June and December
4X complimentary airport lounge passes
Complimentary night stay at Hilton properties
Accelerated upgrade to KrisFlyer Elite Gold
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Dining and entertainment
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50% off with Love Dining programme
1-for-1 drinks at selected bars
Complimentary green fees on weekdays and weekends
Up to 40% off ala carte spa services at Adeva Spa, Spa Rael, and The Ultimate along with complimentary spa vouchers
2 Membership Rewards® points for every S$1.60 spent |
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Cashback
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1.5% unlimited cashback on all eligible spend
No minimum spend
No cashback cap
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CapitaLand shopping
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Up to 3% rebate (awarded in STAR$) when you spend at participating CapitaLand Malls merchants in town and heartlands.
Up to 1.5% rebate (awarded in STAR$) for eCapitaVoucher purchases, capped at S$1,200 eCapitaVoucher purchases per calendar month Free parking at CapitaMalls (with min. S$1,200 spend per calendar month) or
Free privileged parking at CapitaMalls (with min. S$1,800 spend per calendar month)
First-year fee waiver |
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Overall luxury spend and travel
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2 Membership Rewards points per S$1 spend (0.78 mpd) on local spend 5 Membership Rewards points per S$1 spend (1.95 mpd) on overseas spend with SIA and Scoot Platinum access to travel, lifestyle, service perks:
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Best for entry-level miles chasers: AMEX Singapore Airlines KrisFlyer Credit Card
If you regularly commute with Grab and wish you were on a Singapore Airlines flight, the American Express Singapore Airlines KrisFlyer card will get you there faster.
Every S$1 spent on Grab locally will earn you 3.1 KrisFlyer miles (excluding top-up charges for GrabPay). For every S$1 spent on Singaporeair.com, SingaporeAir mobile app and KrisShop (in-flight and online), you’ll get 2 KrisFlyer miles with no cap.
High spenders will also receive S$150 Cashback for use on your next purchase when you spend S$12,000 on your card. The first-year annual fee is waived for both the primary and supplementary card members.
Cardholders will also enjoy 500 bonus KrisFlyer miles on their first telco recurring bill spent at participating merchants.
The downside? Grab rides are capped at S$200 each calendar month in terms of the maximum eligible amount for the KrisFlyer miles earn rate. However, if you do clock S$200 of Grab rides monthly, the points you’ll earn in a year (7,440 miles) are almost equivalent to a one-way ticket to Bali.
⭐ Read our full AMEX Singapore Airlines KrisFlyer Credit Card review here.
Best for airport lounge access: AMEX Singapore Airlines KrisFlyer Ascend Credit Card
If you want to enjoy luxury travel but don’t have the budget, the American Express Singapore Airlines KrisFlyer Ascend Credit Card, will be your saving grace.
This card rewards you with miles pretty quickly. For first-timers to the card, receive 5,000 KrisFlyer miles the very first time you charge to the card. You’ll receive another round of bonus miles as well, provided you hit a certain amount of spending in the first three months. This is dependent on the seasonal promotion.
You can also skip crowded food courts with four complimentary passes each year to SATS Premier Lounge in Singapore and Plaza Premium Lounges around the world. You’ll also receive a complimentary night’s stay each year at one of over 110 Hilton Properties in Asia Pacific, as well as a complimentary upgrade to Hilton Honors Silver membership tier.
See also: Cheap and Free Ways to Access Changi Airport Lounges
If you intend to tick off as many countries on your bucket list as possible, this card also provides an accelerated upgrade to KrisFlyer Elite Gold membership tier with a minimum S$15,000 spend within the first 12 months of card approval.
It is worth noting that similar to the American Express Singapore Airlines KrisFlyer card above, you can Grab your way to additional miles; every S$1 spent on eligible Grab Singapore transactions earns you 3.2 KrisFlyer miles, subject to a cap of S$200 each month. Again, that nets you 7,440 miles per year if you rack up S$200 easily in Grab rides every month.
⭐ Read our full AMEX Singapore Airlines KrisFlyer Ascend Credit Card review here.
Best for dining and entertainment: American Express Platinum Credit Card
For those who are serious foodies, the AMEX Platinum credit card is the perfect dining and entertainment companion.
Impress your clients, dates, boss, friends or family with Love Dining @ Restaurants privileges, which give you up to 50% savings at a selection of popular restaurants and selected luxury hotels in Singapore, such as Fairmont Singapore, Swissôtel The Stamford Singapore, and St. Regis Singapore.
But gourmet pleasures can’t come without a side of tipples. The ‘Chillax! by American Express Platinum’ programme gives you one more reason to celebrate the end of the work week at popular bars in Singapore; you can stand to enjoy complimentary cocktails at places like Anti:Dote and Horse’s Mouth Bar.
You'll also get to enjoy complimentary green fees for you and your tee-off companion(s) on weekdays and weekends accordingly in Singapore and across selected APAC countries.
You can also indulge with a trip to the spa with vouchers and discounts offered at selected spas, including Adeva Spa and Spa Rael.
For every S$1.60 spent, earn 2 Membership Reward points which can be redeemed for rewards (obviously), or you can redeem for miles without incurring any conversion fees. And if you spend with 10Xcelerator Partners, that's up to 10 Membership Rewards points (5.5 miles) for every S$1.60 spend.
Best of all, Membership Rewards points never expire.
Best for cashback: American Express True Cashback Card
If you like the idea of simplicity, immediate rewards and no-nonsense cashback, then the American Express True Cashback Card is your go-to American Express card.
We can see why it features a ‘True’ in the name. You get 1.5% cashback on ALL eligible spending without being subject to any minimum monthly spending or cashback caps. That means there is absolutely no need to track any categories of spending.
The first six ‘honeymoon’ months are made even better for you as the cashback rate you’ll enjoy is doubled to 3%, although that is subject to a maximum of S$5,000.
After this promotional period of 6 months, the cashback rate drops to 1.5%, so remember to time a big purchase when you apply for this card!
The card's annual fee is S$172.80 and only the first year is waived. Be careful not to overindulge because there is a high interest of 26.90% p.a. (27.80% p.a. compounded w.e.f. 3 Oct 2023) if full payment is not made within the due date.
⭐ Read our full AMEX True Cashback Card review here.
Best for CapitaLand shopping: American Express CapitaCard
Calling all Capita-shoppers! If you do most of your shopping at CapitaLand malls such as Bugis Junction, ION Orchard, Funan and Westgate, be sure you have the American Express CapitaCard by your side!
For starters, you’ll earn 5 STAR$® for every S$1 spent on eligible purchases. But if you were to do it at participating CapitaLand malls in town, it’ll be fast-tracked to 6X STAR$® (30 STAR$®) or 4X STAR$® (20 STAR$®) at participating CapitaLand malls in the heartlands.
You'll also earn 3X STAR$® (15 STAR$®) for eCapitaVoucher purchases, capped at S$1,200 eligible eCapitaVoucher spend per calendar month.
But wait, it doesn’t stop there; under the STAR$® X'TRA programme, you’d be looking at up to 10X STAR$® (50 STAR$®) at selected X'tra partners in participating CapitaLand Malls.
You must be wondering what you can do with these STAR$® chalked up. For every 5,000 STAR$® you gain, you can redeem a S$5 eCapitaVoucher to offset your purchases. That’s a $5 discount for every S$167 spent at CapitaLand malls in town, assuming the fast-tracked earning tier of 30 STAR$® per dollar spent.
Complimentary three-hour parking at CapitaLand malls is also part of the deal for American Express CapitaLand card members, provided that a minimum spending of S$1,200 per month is reached. Or if that's not bougie enough for you, spend S$1,800 per month instead and upgrade to complimentary privileged parking instead.
Best for overall luxury and travel spend: American Express The Platinum Charge Card®
For the truly luxe and indulgent, the American Express The Platinum Card® (aka the Platinum Charge Card) is one of the top-tier credit cards you could possibly own. After all, it's not called Platinum Charge without reason.
Oozing with deluxe travel, access, lifestyle, and experiences, you can expect the best service all around when you whip out this flashy metal card.
For starters, just by owning this card, you'll earn a boosted rate of 5 Membership Rewards® points per S$1.60 spend (1.95 mpd) with Singapore Airlines and Scoot alone. Otherwise, you still earn a modest 2 Membership Rewards®️ points per S$1.60 on base spend. This is coupled with access to 1,400 worldwide airport lounges and stays at fine hotels & resorts benefits worth S$800.
What we like most about this specially-charged Platinum card is the generous offering of travel, lifestyle, retail, dining (both local and overseas), entertainment, and airline credits issued annually! If our calculations are correct, cardmembers are entitled to a whopping S$1,354 worth of statement credits to spend every year. If that's not luxury living and travel, we don't know what is!
So many exclusive perks and offers, and we're only touching the tip of the iceberg!
⭐ Read our full AMEX Platinum Charge Card review here.
Disclaimer: Please note that while we strive to keep our information as accurate and up to date as possible, it occasionally may be different from what you see when you visit our Partner’s pages.
Read these next:
American Express Singapore Airlines KrisFlyer Card Review
American Express True Cashback Card Review
Credit Cards With The Best Dining Perks
Cashback vs Miles vs Rewards: Which Is The Best Type Of Credit Card For You?
Credit Card Welcome Offer: A Comparison of The Best Gifts
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