Pay with Points +

Discover the freedom of your points with

Pay with Points +

Introducing Pay with Points +, the points redemption program that allows you to pay or part-pay for any item in your Card statement. With 25% better value on your points, you have the freedom to maximise your points at over 80 brands all year round.

With upsized value at S$6 per 1,000 points (instead of the usual S$4.80 base rate), you can offset your purchases with your Membership Rewards® Points, now with Pay with Points +.

Unlock greater rewards with Pay with Points +, simply by redeeming them in your Amex App or online account. With points that do not expire, discover where your points can take you!

Terms and Conditions apply.

Promotion is valid from 1 January 2023 to 31 December 2023, both dates inclusive (“promotion period”).

During the promotion period, Pay with Points redemption will be at a rate of 1,000 Membership Rewards points = S$6.00 credit (“Promotion”). Thereafter, the regular rate of 1,000 Membership Rewards points = S$4.80 credit will apply

The minimum points per redemption is 1,000 Membership Rewards points at any one time.

Promotion is only valid for Card Members with an Eligible Card. (“Eligible Card” refers to a personal American Express Card issued in Singapore by American Express International Inc. that is enrolled in the Membership Rewards Programme, excluding American Express Corporate Cards and American Express Cards issued by DBS and UOB banks.)

To use Pay with Points redemption, Card Member can login to the Amex App or online account, select transaction made with participating partners, and provide consent to offset points for credits. Please refer to "Explore our partners of Pay with Points +" for the full list of participating partners.

The credit will appear as a transaction on your Account Statement as “MR Points for Credit” within 3 working days upon redemption.

Membership Rewards points redeemed through the Pay with Points feature will be awarded to you in the form of a credit to the Card Account to which the Eligible Purchase was originally charged, and that Card Account must be linked to the Membership Rewards account from which the Membership Rewards points are redeemed.

An Eligible Purchase is a purchase made using an Eligible Card accepted by a merchant or otherwise recognized by our systems as a charge to the Eligible Card. Please note that these products, services, merchants and categories are subject to change from time to time, without prior notice to you. Only items displayed on the Pay with Points page are Eligible Purchases. Non-purchase related charges such as service fees, late payment fees and interest rates are not considered Eligible Purchases.

Once purchase is confirmed, it is non-refundable and non-exchangeable.

Basic Card Account must be in good standing, not cancelled for any reasons and enrolled in the American Express Membership Rewards Program.

Promotion is not applicable in conjunction with other offers, promotions, loyalty programmes and discounts, unless otherwise stated.

American Express in its sole discretion reserves the right to alter, replace or terminate these promotions at any time without prior notice or assigning any reason(s).

In the event of any suspicion of illegal activities in connection with the Promotion, including without limitation fraud or an attempt at deception, American Express are entitled to disqualify the participation of Card Member and report such activity to the relevant authorities.

Full Membership Rewards Pay with Points Terms and Conditions apply. Please refer to go.amex/sgpwp for the Terms and Conditions.

How it works

Pay with Points with Amex App, Online Account or via SafeKey

Explore participating Pay with Points + partners under these categories

Cover your purchase with points at 25% enhanced redemption rate (S$6.00 for every 1,000 points redeemed, instead of the usual S$4.80 base rate) at participating brands.

From shopping to dining or even donating to a good cause you care about, Pay with Points + got you covered on your favourite brands.

Charity

Charity

Dining

Dining

Lifestyle

Lifestyle

Charity

Luxury

Dining

Retail

Lifestyle

Utility

Download the Amex Mobile App

The Amex Mobile App and app features above are available only for eligible Card Accounts in Singapore. American Express^® prepaid cards and Cards issued by non-American Express issuers are not eligible. To log in, Card Members must have an American Express user ID and password or create one in the app. Touch ID is available for iPhone 5s and above with iOS 10+.

You can only manage Singapore issued Cards you have in the SG Amex App, as the applications created are specific to the country where the Card was issued. If you are not a Singapore Card Member, please search in the App Store or Google Play to see if there is an Amex application specific to your country. Alternatively, you can visit us via your mobile browser.

Apple, the Apple logo, Touch ID and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App store is a service mark of Apple Inc.

Android and Google Play are trademarks of Google LLC. The Android robot is reproduced or modified from work created and shared by Google and used according to terms described in the Creative Commons 3.0 Attribution License.

Keeping your Account Safe

You must keep your device and screen unlock details safe and secure at all times – just like your actual Card Account details.
Never share your screen unlock details with someone else or register their fingerprint to your device. If you do allow someone access and they buy something, we'll consider that an authorised transaction.
Enable automatic updates for your operating systems and antivirus software on your mobile device to be equipped of the latest security patch.
Avoid opening attachments and links in unsolicited emails or SMSes on your mobile device as it may be a malicious software or webpages designed to gain access to your personal data without your consent.
Download the Amex Mobile App only from trusted sources (i.e. the official App Store or Google Play Store).
Avoid downloading unnecessary apps, and downloading apps from unknown 3rd party stores, as these may possibly contain malware. Malware seeks to invade mobile devices to steal data without users’ knowledge or consent.
For additional tips, please visit our safety and security hub.