Best American Express Cards in Singapore 2025

Updated: 22 Apr 2025

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.
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Monthly Spend Required
American Express Platinum Card
American Express Platinum Card
N/A
N/A
2 - 20 points per dollar
None
American Express Platinum Credit Card
American Express Platinum Credit Card
S$ 200
N/A
2 - 10 points per dollar
Conditional
American Express Singapore Airlines KrisFlyer Ascend Credit Card
American Express Singapore Airlines KrisFlyer Ascend Credit Card
N/A
N/A
1.2 - 2 miles per dollar
None
American Express Singapore Airlines KrisFlyer Credit Card
American Express Singapore Airlines KrisFlyer Credit Card
N/A
N/A
1.1 - 2 miles per dollar
None
American Express Singapore Airlines Business Credit Card
American Express Singapore Airlines Business Credit Card
S$ 300
N/A
1.2 - 8 HighFlyer points
None
American Express True Cashback Card
American Express True Cashback Card
S$ 319
S$ 299
1.5 - 3% cashback
None

Our recommendation for: Everyday spending

American Express Platinum Credit Card

American Express Platinum Credit Card

on American Express's website

Installment Processing Fee
No processing Fee
Cashback Local
0.6%
Annual Fee
S$ 327
Rewards
  • S$200 Statement Credits + 1,250 Membership Rewards® points
  • Product details

SingSaver's TakeFull review

Our recommendation for: Frequent small business travellers

American Express Singapore Airlines Business Credit Card

American Express Singapore Airlines Business Credit Card

on American Express's website

Rewards
  • S$300 Statement Credits
  • Product details

SingSaver's TakeFull review

Our recommendation for: Unlimited cashback

American Express True Cashback Card

American Express True Cashback Card
rating
4.2/ 5

on American Express's website

Cashback Local
1.5%
Annual Fee
S$ 174.4
Cashback Overseas
1.5%
Cashback Base Rate
1.5%
Rewards
  • Apple AirPods Gen 4 (worth S$199)
  • S$120 eCapitaVoucher
  • Product details

SingSaver's Take: Full review

Our recommendation for: Globetrotting KrisFlyer loyalist

American Express Singapore Airlines KrisFlyer Ascend Credit Card

American Express Singapore Airlines KrisFlyer Ascend Credit Card
rating
4.2/ 5

on American Express's website

Airmiles Overseas
1.2 miles per dollar
Airmiles Local
1.2 miles per dollar
Annual Fee
S$ 397.85
Rewards
  • Up to 40,000 KrisFlyer miles (enough to redeem a return trip to Taipei* on Singapore Airlines)
  • Fast-track to KrisFlyer Elite Gold membership (spend S$16,000 on eligible purchases)
  • Product details

SingSaver's TakeFull review

Our recommendation for: Frequent travellers who value the flexibility of earning miles

American Express Singapore Airlines KrisFlyer Credit Card

American Express Singapore Airlines KrisFlyer Credit Card
rating
3.9/ 5

on American Express's website

Rewards
  • Up to 17,000 KrisFlyer miles (enough to redeem a return trip to Bali* on Singapore Airlines)
  • Product details

SingSaver's TakeFull review

The best American Express cards in Singapore

Be sure to confirm details on the issuer’s website before applying. 

Consumer cards

American Express True Cashback Card

Our pick for: The best cashback card

The American Express True Cashback Card is designed for those who value straightforward rewards. Offering a robust 3% cashback on up to S$5,000 in purchases within the first six months for new members, and 1.5% on all subsequent purchases with no cap, it ensures consistent savings on your spending. This card simplifies the rewards process, crediting your cashback directly into your statement within the same month, making it both practical and rewarding for everyday use. Read our review.

Business cards

American Express Singapore Airlines KrisFlyer Ascend Credit Card

Our pick for: The best airline credit card 

The American Express Singapore Airlines KrisFlyer Ascend Credit Card caters to frequent flyers who appreciate a hint of luxury. Earn two KrisFlyer miles per S$1 spent on Singapore Airlines, Scoot, and KrisShop, along with similar rewards for Grab expenses up to S$200 monthly. All other eligible purchases net you 1.2 KrisFlyer miles per S$1, making every expense an opportunity to fly higher. Ideal for those chasing miles with a touch of elegance, this card enhances every journey with additional miles and exclusive airline perks. Read our review.

Other American Express cards

American Express collaborates with various other partners to offer co-branded credit cards tailored to specific interests and needs. Explore the unique benefits of these cards through the official sources below:

The American Express® Gold Card

The American Express® Personal Card

The American Express® Singapore Airlines Solitaire PPS Credit Card

The American Express® Singapore Airlines PPS Club Credit Card

The American Express® Platinum Reserve Credit Card

 

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What is American Express?

American Express, also known as AMEX, is a prominent global financial services corporation known for its extensive array of credit card offerings in Singapore and beyond. 

Unlike traditional banks, American Express does not function as a banking institution but stands out as a dual-function entity. It serves as both a card issuer, providing a variety of credit solutions directly to consumers, and a payment processing network, facilitating seamless transactions between merchants and cardholders.

This dual capability allows American Express to offer unique services and maintain a significant presence in the financial industry worldwide.

Which places accept American Express?

American Express is accepted by a wide array of merchants globally, making it convenient for cardholders to use their cards almost anywhere. 

In Singapore, you can use your American Express card at major department stores, luxury hotels, chain restaurants, and supermarkets. For instance, recognised establishments such as Din Tai Fung, Genki Sushi, and retail chains like Bata and Giordano at West Mall welcome it readily. 

However, due to comparatively higher transaction fees, some smaller businesses might hesitate to accept American Express. It's always a good practice to check if smaller shops or local merchants accept AMEX before making a purchase.

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What credit score do you need for an American Express card?

To qualify for an American Express card, typically a good to excellent credit score is required. Generally, a credit score of around 690 and above might be considered adequate, but the higher your score, particularly if it's above 800, the better your chances are of being approved for cards with more substantial benefits and lower interest rates. 

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What are the interest rates on American Express cards?

The interest rate on your American Express credit card will vary depending on the specific card tier. You can find the applicable interest rate on your cardmember agreement or by contacting American Express customer service.

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What credit limit can I expect with an American Express card?

When you are approved for an American Express card, the credit limit assigned will typically be up to four times your monthly income, adhering to the Monetary Authority of Singapore regulations. This limit is distributed across all American Express cards you might hold, except those issued by local bank partners. 

For those earning above S$120,000 annually, American Express offers charge cards with no pre-set spending limits, although purchases are approved based on your spending patterns and financial history. If planning a significant purchase, it's advisable to notify American Express beforehand to ensure the transaction processes smoothly. 

Cardholders can also request a credit limit review or adjustment after six months of account opening through a streamlined online process for Singaporeans and PRs using Singpass, or manually for foreigners. Temporary limit increases are also possible under certain conditions, providing flexibility based on your spending needs.

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What benefits come with American Express cards?

Benefits of American Express cards include:

  • Versatile rewards: American Express Credit Cards offer a diverse range of rewards on your purchases, from cashback and air miles to rewards points. These can be used for everything from retail therapy and travel luxuries to unique experiences.

  • Earn cashback: With the American Express® True Cashback Card, enjoy a straightforward cashback system where each eligible purchase earns you a percentage back, directly credited to your account within the same month’s statement.

  • Enhanced security: Shop with confidence thanks to robust security features such as real-time account monitoring, online safety protections, and instant fraud alerts, ensuring your transactions are always secure.

  • Purchase protection: Benefit from 90-day Purchase Protection, which covers your new purchases against theft or accidental damage, providing additional peace of mind.

  • Air mile accumulation: For those bitten by the travel bug, American Express air mile cards let you earn KrisFlyer miles on purchases, redeemable for flights, hotel stays, and car rentals. Enjoy perks like complimentary lounge access and comprehensive travel insurance for a smoother journey.

  • Global usability: Use your American Express Card worldwide with the assurance that your spend will be converted to your home currency under transparent and competitive exchange rates set daily by American Express.

  • Exclusive dining benefits: Holders of American Express Platinum Series cards can savour up to 50% off at select gourmet restaurants, gain access to exclusive culinary events, and enjoy complimentary drinks at stylish bars across Singapore.

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Can points from American Express cards be combined?

American Express facilitates the pooling of Membership Rewards points across your different AMEX cards, which optimises and enhances the value you receive from your spending. While these points accumulate in one central account, enhancing flexibility and redemption potential, it’s important to note that points cannot be transferred to another person or combined across different accounts.

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Which American Express card has the simplest approval process?

When you apply for an American Express card, gaining approval for it typically requires good to excellent credit, generally defined as a credit score of 690 or higher. To apply for an American Express card, you can either visit their website, utilise their mobile app, or explore exclusive sign-up rewards by applying through SingSaver. Ensure the personal and financial information you provide is accurate and current for a smooth application process.

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Methodology

Frequently asked questions

  • Is there an annual fee associated with every American Express credit card?

  • What are the typical benefits and rewards associated with American Express cards?

  • Are there specific challenges associated with getting approved for an American Express card?

  • What factors influence a merchant's decision to accept or decline American Express cards?

  • Is it possible to obtain an American Express credit card with a less-than-perfect credit history?

The information on this page is for educational and informational purposes only and should not be considered financial or investment advice. While we review and compare financial products to help you find the best options, we do not provide personalised recommendations or investment advisory services. Always do your own research or consult a licensed financial professional before making any financial decisions.