American Express Credit Cards in Singapore – MoneySmart’s Recommended Top 3 Cards

american express credit cards singapore

American Express may be one of the world’s oldest card companies, but they’ve only just recently started to aggressively improve on their credit card offerings. Despite being a little late to the game, they have certainly done a fantastic job at making their product offerings extremely compelling.

Here’s a look at the best American Express Credit Cards and just why they are worth considering:


1. Lifestyle – American Express Platinum Credit Card

American Express logo
MoneySmart Exclusive
for every full S$1.60 spend at participating Platinum 10Xcelerartor Partners
10 Membership Rewards Points
for every full S$1.60 spend on All Other Spend
2 Membership Rewards Points
Rewards to Miles Conversion
1 Point = 0.55 Miles
MoneySmart Exclusive:

Get the Apple AirPods 3rd Generation (worth S$261.40) OR S$250 eCapitaVouchers OR $200 Cash via PayNow when you apply, spend and complete annual fee payment! T&Cs apply.

Valid until 31 Mar 2023

The American Express Platinum Credit Card has seriously levelled up on its dining and entertainment offers, and if you’re in the mood to hit up some of the most popular and current bars in town, this is most certainly the card to have. Boasting a diverse range of dining and nightlife offers, this card can compete with the best when it comes to lifestyle privileges.

Age requirements: 21 years and above

Min. Income: For Singaporeans and PRs, minimum annual income of S$50,000. For foreigners, minimum annual income to qualify is S$60,000.

Annual Fee: $321 (inclusive of GST). First 2 supplementary cards are free.

Lifestyle Offers: American Express’s Love Dining program (an incorporation of the Palate Card’s dining privileges and hotels) and complimentary the FAR card gives up to 50% dining discounts at top restaurants and hotels in Singapore. You can also enjoy complimentary drinks and discounts at top spots such as the Wooloomooloo Steakhouse, TWG, and The Marmalade Pantry.

Other Benefits: Save up to 21% at SPC stations, and also enjoy discounts at various wellness establishments such as Adeva Spa and Spa Rael.

Who This Is Good For: If you are always out and about, especially at the hottest joints in town, or you want to enjoy great food at Singapore’s various top restaurants, then this card will certainly help you to do that, while saving you a significant amount of money.

If you are interested in the American Express Platinum Credit Card, you can apply here.


2. Travel – American Express Singapore Airlines KrisFlyer Ascend Credit Card

American Express logo
MoneySmart Exclusive
Convenience & Perks for Frequent Flyers
Local Spend
S$1 = 1.2 Miles
Overseas Spend
S$1 = 2 Miles
on Eligible Grab transaction, capped at $200 per month
S$1 = 3.2 Miles
Get up to 21,500 worth of KrisFlyer Miles (worth a return trip to Bali or 1-way trip to Perth/Darwin via Singapore Airlines) from Amex when you apply. Min. spends of S$1,000 within first month of card approval and payable annual fee required. T&Cs Apply.
Valid until 03 Apr 2023

The flagship miles card of the Amex suite, the American Express Singapore Airlines KrisFlyer Ascend card remains the staple of savvy travellers today. With a welcome bonuses of up to 20,000 miles, and a 12 month long lucky draw to exotic destinations, this card brings you to places.

Age requirements: 21 years and above

Min. Income: For Singaporeans and PRs, minimum annual income of S$50,000. For foreigners, minimum annual income to qualify is S$60,000.

Annual Fee: $337.05 (inclusive of GST)

Air Miles Accrual Rate: $1 = 1.2 Krisflyer mile; $1 = 2 Krisflyer miles when you spend on selected Singapore Airlines tickets purchased at and

Other Benefits: Receive a bonus of 5,000 miles the first time you charge to your card,  as well as an additional 15,000 miles when you spend $6,000 in the first 3 months you receive your card. You also get a complimentary night’s stay at Millenium Hotels and Resorts and 4 passes to SATS Premier and Plaza Premium lounges every year.

Who This Is Good For: If you are planning on spending a large amount of money e.g. for a wedding in a short period of time, and want to accrue miles fast, this is a fantastic card to get you on that way to your next trip.

If you are interested in the American Express Singapore Airlines KrisFlyer Ascend, you can apply here.



3. Cashback – American Express True Cashback Card

American Express logo
Unlimited Cashback
Welcome Bonus (min. spend of $5,000 on eligible purchases in 6 months)
3.0% Cashback
Cash Back
Cash Back Cap

The newest kid on the block, the American Express True Cashback Card has stamped it’s mark on the cashback card scene with an unbeatable 1.5% cashback throughout rate. It also has the lowest income requirement compared to the other 2 cards above, making it a highly accessible card for most people.

Age requirements: 21 years and above

Min. Income: For Singaporeans and PRs, minimum annual income of S$30,000. For foreigners, minimum annual income to qualify is S$60,000.

Annual Fee: $171.20 (inclusive of GST). Fee waiver for the first year.

Cashback Rate: 1.5% cashback on all purchases you make, anytime. Also, enjoy a 3% cashback rate for the first 6 months, up to a cap of $5,000 spent.

Other Benefits: You still get access to lifestyle programs such as American Express Selects for dining offers. For a limited time, you can also enjoy $50 worth of savings when you order Deliveroo.

Who This Is Good For: The introductory offer of 3% cashback within the first 6 months makes this card very compelling if you are going to make a one-off purchase within those 6 months around that price range. Otherwise, the throughout cashback rate of 1.5% is compelling enough for any general spend, especially if you don’t want a fuss about where you can get cashback from.

If you are interested in the American Express True Cashback Card, you can apply here.

Which is your favourite American Express card? Share your thoughts here with us!