Best American Express Cards in Singapore 2025
Updated: 25 Jun 2025
Card | Hot Reward Pick | SingSaver Reward | Reward Elsewhere | Card Beneits | Annual Fee | |||
|---|---|---|---|---|---|---|---|---|
 | American Express Platinum Card | - | - | S$0 | 2 - 20points / dollar | S$1,744 | ||
 | American Express True Cashback Card | - | S$199 | S$299 | 1.5 - 3 % cashback | S$174.40 | ||
 | American Express Singapore Airlines KrisFlyer Ascend Credit Card | - | - | - | 1.2 - 2miles / dollar | S$397.85 | ||
 | American Express Singapore Airlines KrisFlyer Credit Card | - | - | - | 1.1 - 2miles / dollar | S$179.85 | ||
 | American Express Platinum Credit Card | - | S$400 | - | 2 - 10points / dollar | S$327 | ||
 | American Express Singapore Airlines Business Credit Card | - | - | - | 1.2 - 8 HighFlyer points | S$400 |
- Up to S$1,354 worth of travel, dining, and lifestyle credits inclusive of S$200 airline credits, S$400 global dining credits, S$400 lifestyle credits, S$204 entertainment credits, and S$150 fashion credits.
- Indulge In Fine Hotels + Resorts Benefits Worth S$800.
- Complimentary access for you, a supplementary cardholder and one guest each to 1,400 Lounges such as The Centurion Lounge, Priority Pass, International American Express Lounges.
- Gain instant status to higher tiers of leading hotel loyalty programs.
- Complimentary Access into Tower Club.
- Membership Rewards Points never expire.
- Up to 50% savings at premium dining locations with Love Dining by Platinum.
- Enjoy S$400 every year to use at over 1,400 curated restaurants locally and around the world.
- Annual fee: S$1,744 (inclusive of GST).
- Please refer to the American Express website (go.amex/singsaver) for the most up to date information on card benefits and its terms & conditions.
- Minimum Payment: N/A
- Late Payment Charge: 2.5 %
- Interest on Purchase: N/A
- Interest on Cash Advance: N/A
- Interest Free Period: N/A
- Annual Fee: S$1,744
- Foreign Currency Transaction Fee: 3.25 %
- Air Miles Conversion Fee: No Fee
- Cash Advance Service Charge: 5 %
- Monthly Spend Required: S$0
- Minimum Annual Income: Conditional
- Minimum Age: 21 years old
American Express True Cashback Card
- 1.5% unlimited cash rebate on all spend with no minimum spend.
- 3% Cashback up to a spending of $5,000 for first 6 months.
- Complimentary travel insurance.
- 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.
- 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
- Annual Fee: S$174.40
- Foreign Currency Transaction Fee: 3.25 %
- Monthly Spend Required: None
- Minimum Annual Income: Conditional
- Minimum Age: 21 years old
- From 1 Feb till 31 Jul 2025, new and existing American Express Singapore Airlines KrisFlyer Ascend Credit Card Members can be fast tracked to KrisFlyer Elite Gold membership with S$16,000 on all eligible purchases, including a minimum spending of S$6,000 on eligible Singapore Airlines and Scoot flight bookings. 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, and KrisShop purchases, with no cap.
- Earn up to 2 KrisFlyer miles for every S$1 spent on eligible Grab Singapore transactions, up to S$200 spend in each calendar month.
- Earn 1.2 KrisFlyer miles for every S$1 spent on all other eligible purchases, with no cap.
- Hassle-free conversion with no transfer fee
- Read our full review of the American Express Singapore Airlines KrisFlyer Ascend Credit Card.
- Annual fee: S$397.85 (inclusive of GST) must be paid to enjoy welcome offers.
- Please refer to the American Express website (go.amex/singsaver) for the most up to date information on card benefits and its terms & conditions.
- 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
- Foreign Currency Transaction Fee: 3.25 %
- Air Miles Conversion Fee: No Fee
- Cash Advance Service Charge: 5 %
- Annual Fee: S$397.85
- Monthly Spend Required: -
- Minimum Annual Income: Conditional
- Minimum Age: 21 years old
- Receive S$150 Cashback for use on your next purchase on singaporeair.com or the SingaporeAir mobile app when you spend S$12,000 or more on eligible purchases with your Card between 1 July 2024 and 30 June 2025 (both dates inclusive). ^ Effective 1 July 2025, there will be updates to the Singapore Airlines Benefit. Please refer to go.amex/krisflyerterms for more details.
- Earn 2 KrisFlyer miles for every S$1 spent on eligible Singapore Airlines and Scoot flight bookings, and KrisShop purchases, with no cap.
- Earn up to 2 KrisFlyer miles for every S$1 spent on eligible Grab Singapore transactions, up to S$200 spend in each calendar month.
- Earn 1.1 KrisFlyer miles for every S$1 spent on all other eligible purchases, with no cap.
- Hassle-free conversion with no transfer fee.
- Please refer to the American Express website (go.amex/singsaver) for the most up to date information on card benefits and its terms & conditions.
- 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
- Annual Fee: S$179.85
- Foreign Currency Transaction Fee: 3.25 %
- Air Miles Conversion Fee: No Fee
- Min. Annual Income: Conditional
- Minimum Age: 21 years old
- Enjoy up to S$200 statement credits that can be used at trending restaurants or fashion brands.
- Enjoy up to 50% savings at a curated selection of hotels and restaurants island-wide with Love Dining by Platinum.
- Enjoy 1-for-1 first drink and complimentary drinks at some of the most bespoke bars in Singapore with Chillax by Platinum.
- Earn 2 Membership Rewards® Points for every S$1.60 spent.
- Earn 10 Membership Rewards® Points for every full S$1.60 spent with 10Xcelerator Partners.
- Membership Rewards® Points never expire.
- Permanent waiver of miles transfer fee (worth S$40).
- Annual fee: S$327 (inclusive of GST) must be paid to enjoy welcome offers.
- Please refer to the American Express website (go.amex/singsaver) for the most up to date information on card benefits and its terms & conditions.
- 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
- Annual Fee: S$327
- Foreign Currency Transaction Fee: 3.25 %
- Air Miles Conversion Fee: No Fee
- Cash Advance Service Charge: 5 %
- Monthly Spend Required: Conditional
- Minimum Annual Income: Conditional
- Minimum Age: 21 years old
- Earn up to 8 HighFlyer points per S$1 spent on eligible Singapore Airlines and Scoot flights (worth 8 KrisFlyer miles).
- Earn 1.2 HighFlyer points per S$1 spent on all eligible purchases (worth 1.2 KrisFlyer miles) with no cap.
- Convert HighFlyer points to KrisFlyer miles at a 1:1 rate, up to 150,000 KrisFlyer miles (usual: 100,000 KrisFlyer miles) per eligible KrisFlyer account annually with no limit on the number of KrisFlyer accounts linked.
- Be the first from your business to spend S$15,000 or more on eligible Singapore Airlines and Scoot flight bookings within the first 12 months of Card Membership to be eligible for an upgrade to the KrisFlyer Elite Gold membership tier. Each business is eligible for this benefit once.
- Complimentary Accor Plus membership worth S$418 offering a free night’s stay every year and up to 50% dining discounts
- Redeem KrisFlyer Elite Gold membership tier at 100,000 HighFlyer points (usual: 125,000 HighFlyer points). Subject to the terms and conditions of the Singapore Airlines HighFlyer Programme .
- Receive 6,000 HighFlyer points after American Express receives payment of the renewal annual membership fee each year.
- If your business is new to Singapore Airlines HighFlyer, your business may receive 10,000 HighFlyer points awarded by Singapore Airlines upon the first flown flight booking by a corporate traveler from your business that is purchased via the Singapore Airlines corporate portal, within the first 12 months of the first Card approval. Each business is eligible for this benefit once.
- Please refer to the American Express website for the most up to date information on card benefits and its terms & conditions.
- Minimum Payment: S$50
- Late Payment Charge: S$100
- Interest on Purchase: 26.90 %
- Interest on Cash Advance: 25.9 %
- Interest Free Period: 22 days
- Annual Fee: S$400
- Foreign Currency Transaction Fee: 3.25 %
- Air Miles Conversion Fee: No Fee
- Cash Advance Service Charge: 5 %
- Minimum Annual Income: Conditional
- Minimum Age: 21 years old
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
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.
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.
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.
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.
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.
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.
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.
Frequently asked questions
-
Basic cards like the Green Card have lower annual fees, typically around S$160. Some cards might even waive the first year's fee as a welcome offer.
-
Mid-range cards like the Gold Card and Blue Cash Everyday® Card usually have annual fees in the S$200 - S$300 range.
-
Premium cards like the Platinum Card have significantly higher annual fees, around S$1,700, reflecting their extensive travel and lifestyle benefits.
-
The ultra-exclusive Centurion Card has an invitation-only policy, and its annual fee is not publicly disclosed.
-
Travel: Redeem your points for flights, hotel stays, car rentals, and travel experiences through the Membership Rewards® portal.
-
Shopping: Use your points to offset purchases at participating retailers or redeem them for gift cards and merchandise.
-
Dining: Enjoy exclusive dining experiences and discounts at participating restaurants.
American Express credit card annual fees in Singapore can range from under S$160 to over S$1,700, depending on the card tier and the benefits it offers.
The annual fee is usually charged on the first statement after card approval. Some cards may offer a first-year fee waiver or provide opportunities to earn rewards points or statement credits that can offset the cost of the annual fee.
American Express offers a variety of rewards programs across its different card tiers, allowing cardholders to earn valuable benefits and perks based on their spending habits. Here are some of the key AMEX rewards you can enjoy:
Membership reward points:
Many American Express cards in Singapore participate in the Membership Rewards® program. This program allows you to earn points on eligible purchases, which can then be redeemed for a wide range of rewards, including:
Krisflyer miles:
American Express offers a range of KrisFlyer co-brand credit cards in partnership with Singapore Airlines. These cards allow you to earn KrisFlyer miles on your everyday spending, which can be redeemed for flights, upgrades, and other travel benefits with Singapore Airlines and its partner airlines.
Cashback:
Some American Express cards, like the True Cashback Card, offer cashback rewards on your purchases. This means you get a percentage of your spending back as a credit on your statement, effectively saving you money on your everyday expenses.
While American Express cards often require a good credit history for approval, other factors like income and existing financial relationships also play a role in the decision-making process. In addition, unlike other card networks like Visa or Mastercard, American Express directly issues and manages its own branded cards. This means that even when some banks in Singapore offer co-branded versions, the cards will still utilise the American Express network for payment processing.
While American Express is widely accepted, some smaller businesses may not accept it due to the card's higher transaction fees.
While American Express offers a variety of credit cards, they generally cater to individuals with established credit histories. If you're looking to build credit, you might consider exploring options from other issuers that offer secured cards or credit-builder programmes.