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Best American Express Credit Cards in Singapore – Credit Card Reviews 2018

american express credit cards singapore 2018

Clara Lim

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I don’t know if it’s just me, but having been exposed to TV commercials in the 80s, I have a really deep impression of American Express. The brand name still conjures up images of charcoal power suits, perfect blonde coiffure, all-male board meetings, plush maroon carpets, and fabulously busy Caucasian people getting things done in a jiffy with their American Express credit cards.Maybe American Express doesn’t have the same sort of glamour now, but they still have some of the best credit cards on the market. Check them out below:

 

American Express Credit Cards

Credit card Benefits Things to note
American Express True Cashback Card 1.5% cashback (no cap)

3% cashback for first 6 months up to $5,000

American Express Platinum Credit Card Up to 50% off dining under Love Dining programme

Free or 1-for-1 drinks at bars under Chillax programme

Free entry to Zouk Members Lounge

Free Far Card membership

American Express KrisFlyer Credit Card $1 = 1.1 miles (local)

$1 = 2 miles (overseas in Jun & Dec)
$1 = 3.1 miles (Grab & Uber, up to $200)

Earn 15,250 miles with first $2,500 spend

American Express KrisFlyer Ascend Credit Card $1 = 1.2 (local)

$1 = 2 miles (overseas in Jun & Dec)

$1 = 3.2 miles (Grab & Uber, up to $200)

Earn 27,200 miles with first $6,000 spend

American Express Rewards Card $1 = 1 Membership Rewards Point

$1 = 2 MR points (first 3 months)

$1 = 1.5 MR points (5 Favourite Places)

$1 = 1.5 MR points (with $5,000 annual spend)

Earn 24,000 MR points (13,250 miles) with first $1,500 spend

Favourite Places expenditure cap $5,000
American Express CapitaCard Earn 3% to 8% in vouchers when you spend at CapitaMalls

Free parking at CapitaMalls

Expenditure cap $1,200

Min. spend $1,200 for free parking

 

Amex unlimited cashback credit card: American Express True Cashback Card

American Express True Cashback Card

American Express True Cashback 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
    • 1.5% 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 major expenses – say, a wedding banquet, big holiday or home renovation – which would otherwise burst the cap on most cashback credit cards. It’s really simple to use, too, with no minimum spend requirements to meet.

    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)

     

    Also consider: Maybank FC Barcelona Visa Card, ICBC Global Travel Mastercard

     

    Amex Love Dining & Far Card credit card: American Express Platinum Credit 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 atas restaurants and bars you want to see and be seen at. More details on the American Express Platinum Credit Card here. The catch? It’s difficult to waive the hefty annual fee on this card, unless you’re a really big spender.

      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 air miles entry-level credit card: American Express KrisFlyer Credit Card

      American Express Singapore Airlines KrisFlyer Credit Card

      American Express Singapore Airlines KrisFlyer Credit Card


      Card Benefits

      • Get S$150 cashback at Singapore Airlines
      • 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

      If you’re a travel junkie in your first or second job in Singapore, you might not qualify for most of the air miles credit cards on the market. The Amex KrisFlyer credit card is a notable exception. Plus, it’ll give you a head start with a generous welcome bonus if you spend $2,500 within the first 3 months.

      Key features:

      • Spend $2,500 in the first 3 months and get at least 15,250 miles in total
      • To maximise your miles, use this card on Grab & Uber rides ($1 = 3.1 miles, up to $200) and overseas in Jun & Dec ($1 = 2 miles)
      • Miles are credited straight into your KrisFlyer account, no conversion fee or lead time needed
      • Note the low regular earn rate ($1 = 1.1 miles)

      Essential info:

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

       

      Also consider: DBS Altitude Visa Signature Card

       

      Amex air miles credit card: American Express KrisFlyer Ascend Credit 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 – it gives you slightly better earn rates and slightly higher bonuses. But it also comes with higher income and spending requirements. It’s a good credit card for families (and maybe teachers) as the bonuses are concentrated in June and December i.e. school holidays.

        Key features:

        • Spend $6,000 in the first 3 months and get 27,200 miles in total
        • Maximise miles by using it to pay for Grab & Uber rides ($1 = 3.2 miles, up to $200) and overseas in Jun & Dec ($1 = 2 miles)
        • Miles are credited straight into your KrisFlyer account, no conversion fee or lead time needed
        • Relatively low regular earn rate ($1 = 1.2 miles)

        Essential info:

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

         

        Also consider: UOB PRVI Miles Card

         

        Amex rewards points credit card: American Express Rewards Card

        It’s a shame the American Express Rewards Card is so under the radar. While it doesn’t boast high multipliers like 10X rewards, it has a really generous welcome bonus (very atypical of rewards credit cards). Amex’s rewards catalogue has an excellent travel section with both frequent flyer programmes and hotel loyalty programmes.

        Key features:

        • Super generous welcome bonus of 24,000 rewards points with $1,500 spend
        • Earn 2X rewards in the first 3 months
        • Earn 1.5X rewards at your 5 Favourite Places, capped at $5,000
        • 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

         

        Amex credit card for CapitaMalls vouchers: American Express CapitaCard

        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:

          • Earn 6X rewards points when you spend at CapitaMalls and 16X at Star-Xtra merchants up to $1,200 a month
          • Exchange your points for CapitaVouchers
          • Spend $1,200 a month to get free parking at CapitaMalls every day

          Essential info:

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

           

          Other American Express credit cards

          • American Express Platinum Reserve Credit Card: higher tier version of Amex Platinum card, for $150,000 p.a. and up
          • American Express Singapore Airlines PPS Club Credit Card: for SQ PPS Club members only
          • American Express Singapore Airlines Solitaire PPS Club Credit Card: for SQ Solitaire PPS Club members only
          • American Express Personal Card: charge card with no pre-set credit limit
          • American Express Gold Card: higher tier charge card
          • American Express Platinum Card: by invite only charge card

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

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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.