Best American Express Cards in Singapore 2026
Updated: 14 Sept 2026
American Express (Amex) credit cards in Singapore are highly regarded for their prestigious benefits and premium service. They offer various tiers of rewards that cater to luxury seekers and frequent travellers, including comprehensive travel insurance, extensive airport lounge access, and exclusive rewards programmes. Whether you're looking for straightforward cashback or options with annual fee waivers, Amex provides a variety of cards to enhance your spending efficiency and comfort. Also known for their exceptional customer support and strong security features, American Express cards stand out as a top choice for those valuing reliability and class in their financial tools.
Product Name | 🔥 Hot Reward Pick | Card Benefits | Min. Annual Income | Annual Fee | ||
|---|---|---|---|---|---|---|
 | American Express Singapore Airlines KrisFlyer Ascend Credit Card | 1.2 - 2 | Conditional | S$397.85 | ||
 | American Express Singapore Airlines KrisFlyer Credit Card | 1.1 - 2 | Conditional | S$179.85 | ||
 | American Express Platinum Credit Card | 2 - 10 | Conditional | S$327 | ||
 | American Express True Cashback Card | - | 1.5 - 3 % | Conditional | S$174.40 |
Airmiles Local
1.2 miles / dollarAirmiles Overseas Spend
1.2 miles / dollarAnnual Fee
S$ S$
397.85You’ll also receive the following welcome gift(s) directly from the bank
- Spend S$15,000 or more on eligible Singapore Airlines and Scoot flight bookings within the first 12 months upon Card approval to be automatically upgraded to the KrisFlyer Elite Gold membership tier. T&Cs apply.
- Get a complimentary night stay at participating Hilton properties each year.
- Receive a Foreign Spend Miles Redemption Voucher for 18,000 KrisFlyer miles when you spend the equivalent of S$10,000 or more in foreign currency within the qualifying period.
- Receive a Renewal Miles Redemption Voucher for 10,000 KrisFlyer miles after American Express receives payment of the renewal annual membership fee each year.
- Earn 2 KrisFlyer miles for every S$1 spent on eligible Singapore Airlines and Scoot flight bookings, KrisShop and Pelago purchases, with no cap.
- Earn 1.2 KrisFlyer miles for every S$1 spent on all other eligible purchases, with no cap.
- Enjoy hassle-free conversion as all KrisFlyer miles earned with the American Express Singapore Airlines KrisFlyer Ascend Credit Card are conveniently credited directly into your KrisFlyer account.
- Please refer to the American Express website (go.amex/singsaver) for the most up to date information on card benefits and its terms & conditions.
- Annual fee: S$397.85 (inclusive of GST) must be paid to enjoy welcome offers.
- Accelerated upgrade to KrisFlyer Elite Gold membership tier
Repayment Details
Minimum Payment: S$50
Late Payment Charge: S$100
Interest on Purchase: 27.80 %
Interest on Cash Advance: 26.9 %
Interest Free Period: 22 days
Fees
Air Miles Conversion Fee: No Fee
Foreign Currency Transaction Fee: 3.25 %
Cash Advance Service Charge: 5 %
Annual Fee: S$397.85
Eligibility
Monthly Spend Required: -
Minimum Annual Income: Conditional
Minimum Age: 21 years old
Airmiles Flight Booking
2 miles / dollarAirmiles Overseas
1.1 miles / dollarAirmiles Local Spend
1.1 miles / dollarYou’ll also receive the following welcome gift(s) directly from the bank
- Receive S$150 Cashback for use on your next eligible purchase on singaporeair.com or the SingaporeAir mobile app with a minimum spend of S$800 in a single transaction, when you spend S$12,000 or more on eligible purchases with your Card within the qualifying period.
- Earn 2 KrisFlyer miles for every S$1 spent on eligible Singapore Airlines and Scoot flight bookings, KrisShop and Pelago purchases, with no cap.
- Earn 1.1 KrisFlyer miles for every S$1 spent on all other eligible purchases, with no cap.
- Enjoy hassle-free conversion as all KrisFlyer miles earned with the American Express Singapore Airlines KrisFlyer Credit Card are conveniently credited directly into your KrisFlyer account.
- Please refer to the American Express website (go.amex/singsaver) for the most up to date information on card benefits and its terms & conditions.
- First Year Fee Waiver
Repayment Details
Minimum Payment: S$50
Late Payment Charge: S$100
Interest on Purchase: 27.80 %
Interest on Cash Advance: 26.9 %
Interest Free Period: 22 days
Fees
Annual Fee: S$179.85
Foreign Currency Transaction Fee: 3.25 %
Air Miles Conversion Fee: No Fee
Eligibility
Minimum Age: 21 years old
Min. Annual Income: Conditional
Monthly Spend Required: Conditional
Rewards Points (Retail)
10 points / 1.60 dollarsRewards Points (Dining)
10 points / 1.60 dollarsRewards Points (Baseline)
2 points / 1.60 dollarsYou’ll also receive the following welcome gift(s) directly from the bank
- Own your style in your favourite brands or step up to the foodie life with up to S$200 Fashion and Dining Credit with successful payment of the Annual Membership fee.
- Enjoy up to 50% off your food bill at over 70 premium dining spots with Love Dining.
- Enjoy 1-for-1 first drink and complimentary drinks at some of the most bespoke bars in Singapore with Chillax by Platinum.
- Skip the S$15,000 qualification spend and enjoy a complimentary 12-month C4 tier Comoclub membership.
- Earn 2 Membership Rewards® Points for every S$1.60 spent.
- Earn 10 Membership Rewards® Points for every full S$1.60 spent at Platinum 10Xcelerator Partners.
- Membership Rewards® Points never expire.
- Permanent waiver of miles transfer fee (worth S$40).
- Please refer to the American Express website (go.amex/singsaver) for the most up to date information on card benefits and its terms & conditions.
- Annual fee: S$327 (inclusive of GST) must be paid to enjoy welcome offers.
- Unlimited air miles
- Dining savings
Repayment Details
Minimum Payment: S$50
Late Payment Charge: S$100
Interest on Purchase: 27.80 %
Interest on Cash Advance: 26.9 %
Interest Free Period: 22 days
Fees
Annual Fee: S$327
Foreign Currency Transaction Fee: 3.25 %
Cash Advance Service Charge: 5 %
Eligibility
Monthly Spend Required: Conditional
Minimum Annual Income: Conditional
Minimum Age: 21 years old
American Express True Cashback Card
rating
4.2/ 5
Card Benefits
1.5 - 3 % cashbackCashback Baseline
1.5 %Cashback Overseas
1.5 %Annual Fee
S$ S$
174.40- 3% Cashback on all eligible purchases, up to S$5,000 spend in the first 6 months for new Card Members.
- 1.5% Cashback on all subsequent eligible purchases with no minimum spending.
- Cashback credited on the same statement month.
- Please refer to the American Express website (go.amex/singsaver) for the most up to date information on card benefits and its terms & conditions.
- No rebate cap
- No monthly spend required
- First Year Fee Waiver
Repayment Details
Minimum Payment: S$50
Late Payment Charge: S$100
Interest on Purchase: 27.80 %
Interest on Cash Advance: 26.9 %
Interest Free Period: 22 days
Fees
Annual Fee: S$174.40
Foreign Currency Transaction Fee: 3.25 %
Eligibility
Monthly Spend Required: None
Minimum Annual Income: Conditional
Minimum Age: 21 years old