Credit Limits


Discover how to select the right limit for you.


What is a credit limit?


A credit card limit is the maximum amount of credit you can use on your Card, set when your application is approved. 

How do you determine my credit limit?


As per MAS regulations, you may be assigned a maximum credit limit of up to 4X your monthly income based on the income document you provide, which is subject to our internal policies. Your total limit, a maximum of 4X your monthly income, will be split amongst your American Express Cards issued in Singapore (excluding the Cards issued by our local bank partner).  


For American Express Charge Card Holders:
If you earn greater than $120,000 per annum, you may also enjoy no pre-set spending limit on your Charge Card.  

With no pre-set spending limit, your transactions are approved based on your spending patterns and payment history. For security purposes, if you intend to make a purchase of considerably higher value, please call us in advance to avoid any inconvenience or delays when the transaction is being processed.

Can I change the limit on my credit card?


You can request to change your credit limit at any time with American Express, and your account must be open for more than six months. 

If you’d like us to review your permanent credit limit, please visit and follow the steps below:


  1. Log in to “My Account”
  2. Retrieve your income data* using Myinfo with Singpass
  3. Validate details and submit


*For Singaporeans and PRs with Singpass only. For foreigners and Card Members without Singpass, kindly enter your information and upload your income documents manually.


Please note that both Basic and Supplementary Card Members’ consents are required for credit limit review application. If you have any Supplementary Card(s), please download and attach this form under ‘Document Upload’ before submitting your application.


Other credit limit review terms and conditions^ apply.


If you’d like to request for a temporary increase of limit, please note that it is only available for limited circumstances. Please contact one of our Customer Care Professionals at the number on the back of your Card for more assistance. 

If I choose to lower my Credit Card limit, can I increase it again? 


Yes, you can apply for a credit limit increase at any time. Approval will be subject to internal review and meeting documentation requirement. 

Can I transfer my Credit Limit?


You can request to have a portion of your available credit limit transferred between two of your eligible Credit Cards.


Log in to My Account > Account Management > Transfer Credit Limit from Another Card

Tips on staying within your credit limit


Knowing your credit limit is the first step to making sure your balance stays under control. You can reduce the risk of going over your limit by making regular payments through one of our many payment options.


Paying more than the minimum amount required will reduce the amount of interest you’ll be charged and will help you pay your balance off faster.


You can log in to your online Account or download the American Express® App to keep track of your spending and more while you’re on the go.

^Terms & Conditions


To qualify, your American Express® Card must be in good standing and not suspended or cancelled for any reason whatsoever. Review and adjustment of credit limit will be based on the income information and/or documents provided as well as risk policies of American Express. Review of the credit limit will be at the discretion of American Express International Inc. Should there be changes to your credit limit, you will be notified in writing within 14 working days of submitting the application. Please note that if your latest income document reflects a lower annual income than what is currently on our records, the current credit limit may be reduced accordingly. In the event of any disputes arising from this exercise, the decision from American Express International Inc. shall be final. American Express International Inc. reserves the right to amend the terms and conditions, suspend or terminate the promotion at any time without prior notice.

Credit Card Benefits & Rewards

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


When you apply for an American Express Credit 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


KrisFlyer Miles

With our American Express Singapore Airlines Credit Card, you can accumulate KrisFlyer miles on eligible purchases made on your Card, plus enjoy hassle-free conversion as your KrisFlyer miles earned are credited directly into your KrisFlyer account.


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