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  "American Express" and "Amex" means American Express International, Inc., its affiliates and licensees.

"Basic Cardmember" means the individual in whose name the Card Account is maintained.

"Card" and "Card Account" means the Basic Card and account for any Centurion, Platinum Series, Gold and Personal Charge, Credit, Gold Business and Corporate Cards billed in Singapore dollars.

"Cardmember" means a holder of an American Express Card.

"Enrolment Date" means the first day of the month in which Amex receives the application for enrolment in the Programme, whether with or without the Frequent Traveller Option. The enrolment date remains the same in the event of transfer from one to the other.

"Enrolment Year" means the twelve-month period commencing on the Programme Enrolment Date and each successive twelve-month period thereafter.

"Frequent Customer Programme" means a participating airlines frequent flyer programme or a participating hotels frequent guest programme.

"Frequent Traveller Option" means the option to redeem Frequent Traveller Rewards through the programme.

"Frequent Traveller Rewards" means rewards obtained by transferring Points to Frequent Customer Programmes and such other rewards as may be added from time to time.

"Linked Accounts" means all eligible Card Accounts held by a Basic Cardmember, which are enrolled in the Programme and linked for the purpose of accruing Points. Amex will designate one of the Linked Accounts as the "Primary Account".

"Non-Frequent Traveller Option" means the option to redeem only Non-Frequent Traveller Rewards through the Programme.

"Non-Frequent Traveller Rewards" means all rewards provided through the Programme other than Frequent Traveller Rewards including shopping, dining, entertainment, financial services, travel, unique experience rewards and such other rewards as may be added from time to time.

"Membership Rewards Enrolment" means the fee stated in Clause 3.

"Platinum Series" means the American Express Platinum Card, Platinum Reserve Credit Card, Platinum Credit Card and such other Platinum Cards that may be included from time to time.

"Points" means Membership Rewards Points.

"Programme" means the American Express Membership Rewards Programme and includes both the Frequent Traveller Rewards and Non-Frequent Traveller Rewards.

"Programme Account" means the Membership Rewards Programme Account opened for a Cardmember.

"Rewards Card" means the Basic Card and Account for the American Express Rewards Card billed in Singapore dollars.

"Service Establishment" means a business or organization which accepts the Card.

"Supplementary Cards" means a card issued and whose charges are chargeable to the Card.
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  2.1   Participation in the Programme (either with or without Frequent Traveller Option) is open to all Cardmembers whose Card Accounts are billed in Singapore Dollars with the following exception:

Basic Corporate Cardmembers are eligible to enrol in the Frequent Traveller Option only. Enrolment is subject to the approval of the Corporate Cardmember’s company and American Express. Enrolled Corporate Cards from the same company cannot be pooled into one Programme Account. Any points earned in respect of a Corporate Card accrue to the respective Corporate Cardmember for his/her personal use and not to the Corporate Account.


Gold Credit Cardmembers on “cash back” option and KrisFlyer Credit Cardmembers.

  2.2   Except as otherwise restricted herein, all Cardmembers enrolled in the Programme (either Frequent Traveller Option or Non-Frequent Traveller Option) and who have paid the applicable enrolment fee may redeem Non-Frequent Traveller Rewards. Cardmembers who enroll in the Programme with Frequent Traveller Option may also redeem Frequent Traveller Rewards.

  2.3   American Express Centurion Card, Platinum Charge Card, Platinum Reserve Credit Card and  Platinum Credit Card will be automatically enrolled in American Express Membership Rewards Frequent Traveller Option, and the fee for your enrollment in the Membership Rewards Frequent Traveller Option will be waived for as long as you hold a valid American Express Centurion Card, Platinum Charge Card , Platinum Reserve Credit Card or Platinum Credit Card which remains in good standing and is not cancelled for any reason.

  2.4   Points earned by any Supplementary Cards will automatically accrue to the Card Account. Supplementary Cards cannot be enrolled separately from the Basic Card. Corporate Cardmembers may not have Supplementary Cards.

  2.5   Business Travel Accounts and other non-Card Accounts are not eligible to participate.

  2.6   Only Card Accounts in good standing (i.e. not overdue or in collection) at the Enrolment Date are eligible for enrolment.
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  3.1   An annual fee of S$10 for enrolment in Non-Frequent Traveller Option and S$40 for Frequent Traveller Option will apply (except for Rewards Cards, Platinum Series and Centurion Cardmembers). Fees for participation in the Programme, either the Frequent Traveller Option or Non-Frequent Traveller Option, shall be determined by Amex and notified to Cardmembers from time to time.


An annual fee of S$75 for enrolment of a Corporate Card in Membership Rewards programme will apply. Alternatively, a total of 10,000 Membership Rewards points can be used in lieu of the annual enrolment fee.  In cases where the Corporate Card is linked to a Primary Account this fee of S$75 or 10,000 Points deduction will be billed as a linkage fee and is in addition to any other fees applicable to the Primary Account.

Corporate Cardmembers who have opted to debit the 10,000 Membership Rewards points will be automatically billed the Membership Rewards Enrolment amount of S$75 to the Primary Account if there are insufficient points accumulated in the Programme Account at renewal; No Membership Rewards points will be deducted in this case.

American Express will bill the Cardmembers’ Card Account on the Enrolment Date and automatically annually (“Anniversary Date”) thereafter (except in the case of reinstatement after 12 months of cancellation, where it will be billed on the reinstatement date). The fee is non-refundable unless the Cardmember requests cancellation of enrolment no later than 30 days after the Anniversary Date. American Express will cancel enrolment if the fee is not paid within 45 days after the date of the statement on which the fee is first billed.


Rewards Cardmembers will be charged a transfer fee of S$20 per conversion of points to the Frequent Customer Programme.


A request for the redemption or conversion of Points through the American Express customer service hotline will be subject to a fee specified in Clause 7.4 below.

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Points Accrual

  4.1   Except for promotional offers, Bonus Programmes, Rewards and Cards with certain professional associations and Corporate Cards, every Cardmember enrolled in the Programme will accrue two Points in the Programme Account for every S$1.60 spent on goods and services, charged and billed on the Card Account and Linked Accounts (if any). Every Corporate Cardmember enrolled in the Programme will accrue one Point in the Programme Account for every S$1.60 spent on goods and services, charged and billed on the Card Account and Linked Accounts (if any).

Rewards Cardmembers will accrue one Point in the Programme Account for every S$1 spent on goods and services, charged and billed on the Card Account.

No points accrue in the respect of:

a.   Charges processed and billed prior to the Enrolment Date or charges prepaid on any Card Account prior to the first billing statement for that Card Account following the Enrolment Date.
b.   Express Cash and other cash services.
c.   American Express Travellers Cheque purchases.
d.   Charges for dishonoured cheques.
e.   Finance charges – including charges and Card interest charges.
f.   Late payment and collection charges.
g.   Tax refunds from overseas purchases.
h.   Balance Transfer.
i.   Annual Card fees and Membership Rewards fees.
j.   Pay portion billed for a “Pay + Points” reward, where the Cardmember uses Points along with paying a specific amount to redeem the reward.
k.   Amount billed for purchase of Membership Rewards points to top-up your points balance.
l.   Purchase and top-up charges for EZ-Link cards


Adjustments will be made to the Points accrued in a Programme Account if there are any credits posted to a Linked Account including those arising from returned goods or services or from billing disputes.

  4.3   Points accrued in a Programme Account are not the property of the Cardmember and are non-transferable, whether by operation of law or otherwise, either to any other person or entity or Programme Account.


Points accrued in the Programme Account have no cash or monetary value.

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Points Expiration


Non-Frequent Traveller Option Points and Frequent Traveller Option Points.

There is no expiry date for Points earned while participating in the Programme, as long as we receive your minimum payment for Credit Card(s) or full payment for Charge Card(s) by the due date set out in your statement and your Card Account with us is not overdue.

American Express reserves the right to institute an expiry date for points whether Points have already been accrued or accrued thereafter.

If an enrollee later cancels enrolment, Points already earned that have not been redeemed for rewards or transferred to any participating Frequent Customer Programme, can be carried over for up to 30 days after cancellation. Any Points not redeemed by the end of 30 days after cancellation will be forfeited.

  5.2   Non-Frequent Traveller Points Transferred to Frequent Traveller Option.

If Non-Frequent Traveller Rewards enrollees later enroll in the Frequent Traveller Option, Cardmembers have to pay a transfer fee determined by American Express and notified to enrollees from time to time. However, if Cardmembers redeem all Points already accrued before transferring to the Frequent Traveller Option, no Transfer Fee will be charged.

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Accumulated Points


American Express will notify the Basic Cardmember in the monthly Card statement of the Primary Account if the number of Points accrued.

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Points Redemption

  7.1   Points may be converted or redeemed provided all enrolled Linked Accounts are in good standing at the time of the redemption request (including a request to transfer Points to participating Frequent Customer Programmes).

  7.2   Points accrued in the Cardmember’s Programme Account can only be redeemed by the Basic Cardmember.

  7.3   By redeeming a reward, the Cardmember releases American Express, its subsidiaries and affiliates from any and all liability regarding the redemption or use of any reward, or other participation in the Programme.

  7.4   With effect from 1 January 2013, each time you call the American Express customer service hotline to request for a redemption or conversion of Points, a fee of 800 Points will be deducted from your Programme Account. Where there are insufficient balance Points in your Programme Account to carry out either your redemption or conversion request and/or the deduction of the above fee, your redemption or conversion request will be unsuccessful and you will not be charged the fee specified above. For avoidance of doubt, you will not be charged the above fee if you redeem or convert your Points online or through any other means.

  7.5   Any dispute concerning goods or services received as a reward under the Programme shall be settled between the Cardmember and the Service Establishment, which supplied the goods or services. American Express will bear no responsibility for resolving such disputes, or for the dispute itself.

  7.6   American Express is not responsible for lost or stolen rewards, reward vouchers, certificates, or tickets.

  7.7   Redeemed rewards are not exchangeable for other rewards, or refundable, replaceable, or transferable for cash or credit under any circumstances.

  7.8   Once accrued Points in a Cardmember’s Programme Account have been redeemed for any reward in the Programme including a transfer of Points to a participating Frequent Customer Programme, such Points cannot be refunded or transferred back into the Cardmember’s Programme Account.

  7.9   Information supplied on the redemption of rewards or transfer of Points to a Frequent Customer Programme may be used by American Express or the Service Establishments that provide the rewards for administrative and marketing purposes.

  7.10   American Express reserves the right to cancel, change or substitute the rewards or the rewards conditions at any time with or without notice.
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Redeeming Non-Frequent Traveller Rewards

  8.1   All rewards are subject to availability and certain restrictions may apply. The redemption procedure and the terms and conditions applicable to each reward is set forth in the rewards voucher issued to the Cardmember.

  8.2   Any additional meals, transportation or accommodation arrangements made in connection with any reward will be the sole responsibility of the Cardmember.

  8.3   In the event that the reward takes the form of a cash coupon, should the Cardmember purchase goods or services in excess of the value noted on the cash coupon, the Cardmember must use the Card to settle payment or the difference to the participating Service Establishment.

  8.4   Unless otherwise specified, the shopping reward in the form of a privilege card or a cash voucher cannot be used in association with other special offers offered by the Service Establishment or during sales.

  8.5   Issuance of a dining or travel rewards voucher does not constitute a reservation. The rewards voucher holder is responsible for making all reservations and notifying the participating Services Establishment of the reward(s) they are going to redeem.

  8.6   Other American Express Card benefits e.g. Centurion Travel Insurance, which are activated by Card use, do not apply to goods or services received as rewards under the Programme.
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Redeeming Frequent Traveller Rewards

  9.1   Points may be converted into any one or more participating Frequent Customer Programmes.

  9.2   To convert accrued Points to any participating Frequent Customer Programme the Cardmember must first join or be a member of the applicable Frequent Customer Programme. Enrolment in such Frequent Customer Programme is the Cardmember’s responsibility.

  9.3   The conversion rates for Points into participating Frequent Customer Programmes, minimum Points transfers and incremental transfers vary among participating Frequent Customer Programmes and details are communicated on a regular basis. In any event, Cardmembers should telephone the Membership Rewards Customer Service Hotline for up to date details.

  9.4   Frequent Traveller Rewards may be redeemed by Basic Cardmembers and points transferred only to Basic Cardmember's account in the Frequent Customer Programme. Cardmembers are subject to and must comply with the terms and conditions applying to participating Frequent Customer Programmes in which they are enrolled.

  9.5   American Express assumes no responsibility for Points converted from a Cardmember’s Programme Account into a participating Frequent Customer Programme or for the actions of any participating airline or hotel in connection with its Frequent Customer Programme or otherwise.

  9.6   Any airline’s or hotel’s participation in the Programme is subject to change with or without notice.

  9.7   American Express Card travel insurance and benefits, including but not limited to those listed below, will not apply to flights taken with frequent flyer tickets, including frequent flyer tickets obtained by using Points converted from a Programme Account:
  Travel Accident Insurance
  Travel Inconvenience Reimbursement Plan, Cardmember insurance and travel benefit programmes expressly offering an option for frequent flyer ticket coverage are an exception to the foregoing, but only if the Cardmember has enrolled in such and has paid the fee for, and otherwise complied with the terms and conditions of the particular insurance programme.
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Points Purchase

  10.1   Cardmember may purchase up to a maximum of 20,000 Points per redemption. Points may be purchased in multiples of 1,000. Purchase must be accompanied by redemption of a reward in this Programme.

  10.2   The cost of any Points purchased will be billed directly to the Cardmember’s Card Account and will appear on his/her statement following the redemption
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Programme Account



If the Card Account or any Linked Account is not in good standing (overdue or in collection), the Cardmember’s enrolment in the Programme may be cancelled or Points accrued in the Programme Account may be forfeited. A Cardmember’s enrolment in the Programme may also be cancelled or Points accrued may be forfeited due to the Cardmember’s failure to adhere to the terms and conditions governing the Card Account or the Programme.

  11.2   If a Cardmember cancels all Cards, or for any reason Amex cancels any Linked Account(s), any Points accrued in the Programme Account will be at the discretion of American Express be suspended and will not be capable of conversion or redemption. Such Points accrued in the Cardmember’s Programme Account will be forfeited even when the Cardmember reinstates any Card account(s), or if American Express reinstates the Linked Account(s) at any period of time after cancellation.

  11.3   If an eligible Cardmember who has more than one Card Account, voluntarily cancels any such Card account and at least one Card Account remains, any Points accrued in the Programme as a result of charges billed to the cancelled Card may be transferred to any remaining Card account in his or her name.

  11.4   If the Card Account is terminated and for any reason;

The Cardmember has no other American Express Card account which is valid and in good standing at that time, Programme Account(s) which are related to the cancelled Card Account(s) shall be terminated at the same time and any points accrued in the Programme Account will be forfeited on the date of account termination.


The Cardmember has another American Express Card account which is valid and good standing at the time of cancellation, the Cardmember may choose to:

i.   terminate this participation in the Programme, in which case 11.4.1 shall apply; or

continue with the Membership Reward Programme in which case the prevailing fee for enrolment in the American Express Membership Rewards Frequent Traveller Option or Non-Frequent Traveller Option shall be charged to the Cardmember’s other American Express Card account.

  11.5   If a Cardmember instructs to cancel his/her enrollment in the Programme, all Points accrued in the Programme Account which have not been redeemed or converted in accordance with the terms and conditions of the Programme shall, after 30 days from the time Amex receives instructions, be forfeited.

  11.6   Transfer of points from Singapore to another overseas American Express Card Account is subject to conversion calculations and prevailing exchange rate at time of transfer. For more details, please contact American Express.
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  12.1   American Express assumes no responsibility for any loss of whatever nature resulting from the redemption of either Frequent Traveller or Non-Frequent Traveller Rewards.

  12.2   American Express can suspend or terminate the Programme at any time it deems necessary. In such a case, American Express shall give advance written notice to Basic Cardmembers.

  12.3   American Express reserves the right to change the terms and conditions at any time.

American Express reserves the right to engage third party service providers in administering the Membership Rewards Programme.

  12.4   Fraud and abuse relating to the earning of Points in the Programme or redemption of rewards including transfer of Points to participating Frequent Customer Programmes, may result in the forfeiture of accrued Points as well as cancellation of a Cardmember’s Programme Account.

  12.5   All questions or disputes regarding eligibility for the Programme or the eligibility of Points for accrual or redemption of rewards including transfer of Points to a participating Frequent Customer Programme will be resolved by American Express at its sole discretion.

  12.6   The Programme Account is not transferable.

  12.7   American Express’ failure to enforce a particular term or condition does not constitute a waiver of that term or condition by American Express.

  12.8   These terms and conditions are to be read in conjunction with your Card terms and conditions.
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Governing Law


These Terms and Conditions are governed by Singapore Law.

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Copyright © 2014 American Express Company. Users of this site agree to be bound by American Express Web Site Rules and Regulations. American Express International, Inc., Incorporated with limited liability in the state of Delaware, USA with a place of business at 10 Marina Boulevard #15-00, Marina Bay Financial Centre Tower 2, Singapore 018983.