Credit Cards

Best American Express Credit Cards in Singapore – Credit Card Reviews 2019

Best American Express Credit Cards Review

Clara Lim

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So, maybe someone sold you on how great American Express’ customer service is – no more “to speak to a customer service officer, please hold”! Or maybe you saw that Amex has the only official Singapore Airlines KrisFlyer credit cards in Singapore.

Whatever the reason, Amex credit cards do have some outstanding benefits, despite the fact that they’re not as widely accepted as Visa and MasterCard. Here, have a look at the 6 best Amex credit cards in Singapore and judge for yourself.

 

Best American Express credit cards in Singapore 2019

American Express credit card Key benefits
Amex KrisFlyer $1 = 1.1 KrisFlyer miles (local) / 2 miles (overseas)
Amex KrisFlyer Ascend   $1 = 1.2 KrisFlyer miles (local) / 2 miles (overseas)
Amex Platinum Card 50% off at restaurants under Love Dining programme + 1-for-1 drinks at bars
Amex True Cashback 1.5% unlimited cashback
Amex CapitaCard Earn CapitaLand vouchers + free parking at CapitaMalls
Amex Rewards Card 24,000 rewards points with $1,500 spent

 

Amex KrisFlyer Card – easy-to-use miles card for beginners

American Express Singapore Airlines KrisFlyer Credit Card

American Express Singapore Airlines KrisFlyer Credit Card


Card Benefits

    • Apply through MoneySmart from 22 Mar - 19 Apr 2018 to get S$100 worth of Grab OR NTUC Vouchers. Application must be approved by 3 May 2018. Submit your (i)Contact Details and (ii)14-digit Reference Number on the Thank You Page upon completion at this link before 19 April 2018. T&Cs
    • S$1 = 1.1 KrisFlyer miles (Local)
    • S$1 = 2 KrisFlyer miles (foreign currency spent Overseas) during June and December and for purchases made at singaporeair.com, silkair.com KrisShop and SilkAir SkyShop, both in-flight and online
    • S$1 = 3.1 KrisFlyer miles for Grab and Uber rides, capped at S$200 per month
    • Receive bonus 7,000 bonus KrisFlyer miles when you first charge to your card
    • Get an additional 7,500 bonus KrisFlyer miles when you spend S$2,500 within 3 months of card approval
    • Get S$150 cashback for use on your next purchase on singaporeair.com when you spend S$12,000 on your Card from now till 30 June 2018
    • Enjoy free Travel Inconvenience & Travel Accident Benefits of up to S$350,000 when you purchase your travel tickets with you card

    The Amex KrisFlyer card is probably the best-known of all American Express credit cards in Singapore, thanks to it being the official co-branded credit card of Singapore Airlines.

    The main benefit is that you earn KrisFlyer miles directly with everything you charge to this card, unlike other miles cards, where you earn in the bank’s rewards points, which then take money and time to convert to actual miles. Very hassle-free.

    The trade-off is that the Amex KrisFlyer’s earn rates are really low: 1.1 miles per $1 spent locally, compared to as much as 1.5 miles with other credit cards. And their 2 miles per $1 spent overseas is valid only in June & December.

    See this article for the full review of the Amex KrisFlyer card.

    Key features:

    • Earn 1.1 KrisFlyer miles per $1 spent locally
    • Earn 2 KrisFlyer miles per $1 spent overseas or in foreign currency in Jun & Dec
    • Earn 3.1 KrisFlyer miles per $1 spent on Grab, up to $200/month
    • Welcome bonus: Get 5,000 miles the first time you use your card
    • Spend $3,000 in the first 3 months to get 7,500 bonus miles (on top of the regular miles earned)
    • Spend another $3,000 in the 4th to 6th months to get an extra 7,500 miles
    • Miles are credited straight into your KrisFlyer account, no conversion fee or lead time needed

    Essential info:

    • Minimum income: $30,000 (Singaporean & PR) / $60,000 (foreigner)
    • Annual fee: $176.55 (waived for first year)

     

    Amex KrisFlyer Ascend Card – higher-income miles card

    American Express Singapore Airlines KrisFlyer Ascend Credit Card

    American Express Singapore Airlines KrisFlyer Ascend Credit Card


    Card Benefits

      • Apply through MoneySmart from 22 Mar - 19 Apr 2018 to get S$100 worth of Grab OR NTUC Vouchers. Application must be approved by 3 May 2018. Submit your (i)Contact Details and (ii)14-digit Reference Number on the Thank You Page upon completion at this link before 19 April 2018. T&Cs
      • 1.2 KrisFlyer Miles = S$1
      • 2 KrisFlyer Miles = S$1 in foreign currency spent overseas on eligible purchases in June & Dec
      • 3.2 KrisFlyer Miles = S$1 for Grab and Uber rides, capped at S$200 per month
      • Spend above S$15,000 on eligible purchases on singaporeair.com within first 12 months of Card approval and get upgraded to KrisFlyer Elite Gold Membership
      • Four complimentary lounge access to participating SATS Premier and Plaza Premium Lounge each year
      • Complimentary night's stay each year at one of over 90 participating Millennium Hotels and Resorts properties worldwide
      • Up to $1 million travel insurance coverage

      The Amex KrisFlyer Ascend Credit Card is essentially the Amex KrisFlyer’s big brother, with a higher income requirement ($50,000 instead of $30,000) and slightly better earn rates. Apart from that, the mechanics of earning KrisFlyer miles are the same.

      Note that there’s no annual fee waiver for the Ascend card, and the fee itself is also much higher. But in return, you do get some nice perks like a free night’s stay at a Hilton hotel and 4 airport lounge access passes.

      See this article for the full review of the Amex KrisFlyer Ascend card.

      Key features:

      • Earn 1.2 KrisFlyer miles per $1 spent locally
      • Earn 2 KrisFlyer miles per $1 spent overseas or in foreign currency in Jun & Dec
      • Earn 3.2 KrisFlyer miles per $1 spent on Grab, up to $200/month
      • Welcome bonus: Get 5,000 miles the first time you use your card
      • Spend $6,000 in the first 3 months to get 15,000 bonus miles (on top of the regular miles earned)
      • Spend another $6,000 in the 4th to 6th months to get an extra 15,000 miles
      • Miles are credited straight into your KrisFlyer account, no conversion fee or lead time needed

      Essential info:

      • Minimum income: $50,000 (Singaporean & PR) / $60,000 (foreigner)
      • Annual fee: $337.05

       

      Amex Platinum Card – 50% off with Love Dining & Far Card

      American Express Platinum Credit Card

      American Express Platinum Credit Card


      Card Benefits

        • Love Dining @ Restaurants: 50%, 35%, 15% savings when dining with 1 friend, 2 friends, and alone respectively
        • Enjoy savings at artfully curated restaurants and Singapore's finest hotels with Love Dining
        • Love Dining @ Hotels: Discounts applicable for groups up to 19 pax at Raffles Hotel Singapore, Shangri-La Hotel Singapore, The St. Regis and more
        • With Love Dining @ Hotels, receive a complimentary The Far Card Classic Membership
        • Eligible for use with Apple Pay

        A must-have credit card for anyone who likes to drink, dine and party in Singapore, the Amex Platinum credit card is basically a passport to all the places you want to see and be seen at.

        Instead of offering cashback or rewards points, it gives you up to 50% off at various atas restaurants in Singapore under the Love Dining and Far Card programmes. Plus, you get free entry to Zouk and 1-for-1 drinks at fancy cocktails bars and stuff.

        The catch? There’s a big fat annual fee of $321 attached to this card. In return, you get a free night’s stay at Swissotel when you pay the fee.

        See this article for the full review of the Amex Platinum card.

        Key features:

        • Get up to 50% at fancy restaurants around town under Love Dining programme and with free Far Card membership
        • Free entry to Zouk Members Lounge
        • Get free or 1-for-1 drinks at bars under the Chillax programme
        • Discounts at several spas and golf courses

        Essential info:

        • Minimum income: $50,000 (Singaporean & PR) / $60,000 (foreigner)
        • Annual fee: $321

         

        Amex True Cashback Card – 1.5% unlimited cashback

        American Express True Cashback Card

        American Express True Cashback Card


        Card Benefits

        • MoneySmart Exclusive - Bonus S$80 Cash
        • Apply through MoneySmart from 22 Mar - 19 Apr 2018 to get S$100 worth of Grab OR NTUC Vouchers. Application must be approved by 3 May 2018. Submit your (i)Contact Details and (ii)14-digit Reference Number on the Thank You Page upon completion at this link before 19 April 2018. T&Cs
        • 1.5% Cashback on any purchase you make, anytime
        • 3% Cashback for the first 6 months up to $5000 spend
        • Enjoy first year fee waiver
        • Eligible for use with Apple Pay

        With an unlimited cashback credit card like the Amex True Cashback Card, you can get rebates on massive, money-haemorrhaging events in life, like getting married or moving house, which would otherwise burst the cap on most cashback credit cards.

        It’s really, really simple to use, with no minimum spend requirements to meet. Cash rebates are credited very quickly too – no need to wait months and months.

        See this article for the full review of the Amex True Cashback card.

        Key features:

        • Get 3% cashback for the first 6 months up to $5,000 spend
        • 1.5% cashback thereafter, no minimum spend, no cap

        Essential info:

        • Minimum income: $30,000 (Singaporean & PR) / $60,000 (foreigner)
        • Annual fee: $171.20 (waived for first year)

         

        Amex CapitaCard – earn CapitaLand vouchers while you spend

        American Express CapitaCard

        American Express CapitaCard


        Card Benefits

          • S$1 = 5 STAR$ on all spend
          • S$1 = 15 STAR$ at CapitaLand Malls on eligible purchases
          • All STAR$ earned are credited directly into your CAPITASTAR account, capped at S$1,200 per calendar month
          • 5,000 STAR$ = S$5 CapitaVoucher / 10,000 STAR$ = S$10 CapitaVoucher / 50,000 STAR$ = S$50 CapitaVoucher

          Singaporeans are like homing pigeons. We may travel far and wide, but we always end up in the same few shopping malls again and again. If your roost happens to be a CapitaMall, hey, here’s a credit card just for you.

          Key features:

          • Get $60 CapitaLand vouchers when you spend $1,500 in first 3 months 
          • Earn 3X rewards points when you spend at CapitaMalls and 13X at Star-Xtra merchants
          • Exchange your points for CapitaLand vouchers
          • Spend $1,200 a month to get free parking at CapitaMalls 

          Essential info:

          • Minimum income: $30,000 (Singaporean & PR) / $60,000 (foreigner)
          • Annual fee: $171.20 (waived for first year)

           

          Amex Rewards Card – the Amex card no one knows about

          It’s a shame the American Express Rewards Card is so under the radar. While its regular earn rates aren’t much compared to the best rewards cards in Singapore, it does have a very generous welcome bonus for the first $1,500 you spend.

          Amex’s rewards catalogue has an excellent travel section with both frequent flyer programmes and hotel loyalty programmes.

          Key features:

          • Spend $1,500 in first 3 months to get 24,000 rewards points (equivalent to $110 rebate)
          • Earn 2X rewards points in the first 3 months
          • Subsequently, earn 1X rewards point with each $1 spent
          • Earn 1.5X rewards at your 5 Favourite Places
          • Redeem rewards (including air miles and hotel stays) through American Express reward catalogue

          Essential info:

          • Minimum income: $30,000 (Singaporean & PR) / $60,000 (foreigner)
          • Annual fee: $53.50

           

          Other American Express credit cards

          Amex Platinum Reserve Credit Card: Higher tier version of Amex Platinum card, for $150,000 p.a. and up

          Amex Singapore Airlines PPS Club Credit Card: For SQ PPS Club members only

          Amex Singapore Airlines Solitaire PPS Club Credit Card: For SQ Solitaire PPS Club members only

          Amex Personal Card: Charge card with no pre-set credit limit

          Amex Gold Card: Higher tier charge card

          Amex Platinum Card: By invite only charge card

          Do you use American Express credit cards? Tell us why or why not in the comments!

           

          Related articles

          The Best Cashback Credit Cards in Singapore

          The Best Air Miles Credit Cards in Singapore 

          The Best Credit Cards in Singapore for Online Shopping

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          Clara Lim

          I used to be MoneyDumb. I hung out at H&M every day and thought that a $50 lunch set was a good deal. These days, I spend my time researching the crap out of life and trying to maximise utility on micro-decisions. I'm not sure if that's an improvement.