Charge Cards



More flexibility over your finances. More freedom for you.



A Quick Guide to Charge Cards

Charge Cards allow you to manage your cash flow effectively, increase your spending power and enjoy more financial flexibility. If you like the stability of a debit Card but are interested in extra benefits and rewards a Charge Card might be right for you. 

What is a Charge Card?

  • A Charge Card has no pre-set spending limit* and no interest fees. Unlike with a Credit Card, you must pay off the full balance of a Charge Card each month.

  • No pre-set spending limit doesn’t mean unlimited spending. Rather, your purchases are approved based on several different factors; including your current spending patterns, payment history, credit record and financial resources. As you build a spending and payment track record with us, your spending limit can adjust accordingly.

What is the difference between Charge Cards and Credit Cards?

  • Spending limit
    A Charge Card has no pre-set spending limit* whereas a Credit Card has a set spending limit, that can vary based on the Card you choose.

  • Carrying balance
    A Charge Card requires the balance to be paid in full each month, so no credit is extended. A Credit Card, on the other hand, allows you to make purchases and pay for them later, over an extended time. When you use it you’re borrowing money and will be charged interest until the date you repay the full balance.

  • Interest charges

    A Charge Card has no interest charges, because the balance must be paid in full each month. A Credit Card charges you interest on the amount you owe, if you pay less than the full balance each month.

Charge Cards Benefits

  • No interest
    A Charge Card does not incur interest, which means you’ll only ever repay what you spend. However, you’ll need to pay off your balance in full every month, otherwise you’ll be charged a fee.

  • Improved cash flow
    No pre-set spending limit* gives you greater purchasing power. All you need to do is pay the balance off in full every month.

  • Control your spending

    Your Charge Card can help you manage your spending and reduce the risk of falling into debt, because you must pay your statement in full each month.

  • Earn rewards
    Many card providers allow you to earn rewards for your spending. Read more on what we offer at American Express below.


*Disclaimer: As per MAS regulations, no pre-set spending limit on your Charge Card may be granted only if your current income is at least S$120,000 p.a. If your income is between S$30,000 p.a. and S$120,000 p.a., your limit may be set to up to four times your monthly income combined for all your Credit and Charge Cards with American Express.

Explore our range of Charge Cards

Enjoy all the benefits, convenience and security of an American Express® Charge Card – with the added bonus of accumulating Membership Rewards® points which offer you the flexibility to redeem for points for flights, hotels, eVouchers and more.

✔ Experience Membership benefits worth more than S$8,000


✔ S$400 global dining credit to use every year 


✔ One night stay at The Fullerton Hotel Singapore or participating hotels


✔ Enjoy extensive cover and support with your Card


✔ Choose to offset your purchases with points


Charge Card Benefits & Rewards

With American Express Charge Cards, enjoy rewards from Membership Rewards points which can be spent on retail and travel treats as well as other special experiences.


When you apply for an American Express Charge Card, you could enjoy:

American Express Offers


American Express Offers

Enjoy privileges for dining, travel, shopping and lifestyle on your American Express Cards.





Membership Rewards


Membership Rewards

From earning accelerated points on shopping and dining to redeeming your Membership Rewards points for statement credit or eVouchers, our Membership Rewards programme lets you choose from a wide range of rewards.


KrisFlyer Miles


Pay with Points

Choose from a wide range of rewards to redeem your points. Free up your cash with Pay with Points to offset your purchases or use them to redeem eVouchers across dining, retail and grocery partners at our Membership Rewards catalogue.


Eligibility and Important Information

✔ You’re over 21 years of age. Supplementary Card applicants should be over 18 years of age.

✔ Card application is subjected to customers meeting the regulatory minimum income requirement and internal assessment.

Applying for a Card


Read the Important Information

Once you have found the Card that best suits you, read the important information, then click the 'Apply now' button on the page to begin the application process.


Provide your details

Retrieve Myinfo with SingPass and easily complete up to 50% of the application or enter your information manually. 


Get a response

Once we have received and verified all required supporting documents, your Card will be approved, and you will receive your Card in the next 3 to 5 business days.

Choose a Card that best suits you! 


Explore our range of Cards, you’re bound to find something to suit your needs and lifestyle.

Platinum Cards

Why American Express?

Premium Service

American Express begins and ends with service. From finding a doctor when you're abroad, to resolving an authorised transaction.
You can spend on your Card with total peace of mind. We'll protect you against fraud, faulty goods and even if you change your mind, we guarantee you'll be without worries.
Your American Express Card is welcome for everyday purchases at your favourite supermarkets, health and beauty stores, gas stations and more.