Couple walking on pier - American Express

What is a Charge Card?


A Charge Card allows you to manage your cash flow effectively. With no-pre set spending limit*, your purchasing power can increase over time as you use your Card.

Why choose an American Express Charge Card?


With a Charge Card, you are granted more purchasing power with no pre-set spending limit*. While your spending is not unlimited, your purchases are approved based on a variety of factors, including your Credit record, account history and personal resources. Proof of resources and security may be required.


Like many Credit products, should you wish to make a purchase that goes beyond your usual spending patterns, please call the Customer Service number on the back of your Card to ensure a seamless experience.


If your spending continues to increase over the months, and your payments and Credit record remain in good standing, you can achieve more spending power over time.


For the financially savvy consumer, a Charge Card makes good sense. Because your statement must be paid in full each month, many people find a Charge Card helps them control spending.


Woman admiring Golden Temple - American Express

Our Charge Cards

Enjoy peace of mind from travel and shopping protection included with your Card.


  • Earn a total of 2 Membership Rewards points for every S$1.60 spent
  • Travel and shopping protection included with your Card
  • Assistance when Card Member needs immediate advice and referral to an English-speaking doctor or lawyer virtually anywhere around the world, 24 hours a day

Enjoy complimentary access over 1,000 airport lounges across more than 120 countries.


  • Access to dedicated Platinum Travel and Lifestyle Concierge
  • Enjoy year-round savings of up to 50% at a handpicked selection of popular restaurants island-wide
  • Complimentary enrollment into Starwood, Carlson and Shangri-La Hotels and Resorts loyalty programmes at an elite tier
  • Exclusive access to some of Singapore's top-notch members-only clubs and invitation-only events

Open doors for freedom to spend


  • Flexible Spending
  • Shopping Protection
  • No Worries Guarantee
  • We're only ever a phone call away


Key benefits at a glance


American Express Charge Cards offer you:


  • All our Charge Cards are eligible for use with Apple Pay
  • No pre-set spending limit, providing you with utmost flexibility in spending
  • Purchase protection
  • Online fraud guarantee
  • Earn Membership Rewards Points with your purchases
  • Special discounts, offers, upgrades and privileges when you travel, such as access to Airport lounges**
  • 24/7 customer service, which may include our concierge and travel services
  • Access to American Express Selects
  • Year-end Summary of Charges for Consumer Cards

This valuable Card benefit simplifies year-end financial planning and can be a great asset during tax preparation. You’ll receive an itemized, chronological listing of your Card transactions from the previous year.


**This Card benefit is available on the Platinum Card ®, American Express® Gold Card and American Express® Gold Charter Card.






To save time, use the following checklist to see if you meet our standard eligibility criteria:


I am aged 21 or over 

I have an income that meets the minimum for the Card I am interested in

Some Cards may have additional specific eligibility criteria, and you will be asked to provide employment, income and bank account information in order to submit your application.


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. At this point, you can choose optional additional benefits and also decide how you'd like your name to appear on your Card.

Get an instant decision within 60 seconds


Step 1: Submit your Card application online and receive an instant decision within 60 seconds!


Step 2: If your Card application has been conditionally approved, you will receive further instructions to upload the required supporting documents.


Step 3: 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.


Please refer to individual card pages for eligibility requirements.

Explore our types of Cards

First year fee waiver Cards - Get the most out of your Card with no annual fee for the first year.


A Credit Card with no annual fee for the first year is a great way to experience being an American Express Cardmember and its perks. It offers both convenience and value.

Singapore Airlines Credit Cards - Get the most out of life.


Accumulate KrisFlyer miles on virtually every dollar you spend on your Card plus we'll transfer your miles straight to your KrisFlyer account each month.

Cashback Credit Cards - Earn Cashback everyday.


The American Express True Cashback Credit Card gives you all the benefits and convenience of an American Express Credit Card, whilst earning your Cashback on almost everything you buy.


Rewards Cards - Get the most out of life.


Enjoy all the benefits, convenience and security of an American Express Card – with the added bonus of accumulating Rewards points which offer you the flexibility to redeem for points for flights, hotels, gift cards and exclusive dining promotions with eligible Cards.

Air Miles Cards - Get the most out of life.


With the ability to earn KrisFlyer miles or Membership Rewards points on practically every purchase and often additional travel benefits like lounge access, complimentary travel protection and 24/7 global Card support.

Premium Cards - Earn Membership Rewards points or premium rewards.


For service and benefits that are second to none, reward yourself with a premium Card for your platinum lifestyle.

Credit and Charge Cards Explained


Has talk of interest, annual fees, rates and percentages left you feeling confused?

Our simple Credit and Charge Card Guides are a great place to start.

American Express Benefits


Your security and protection are our priority. Our technology has been designed to give you peace of mind when using your Card.



Access to our customer service is available 24/7 by phone, text or email.



Contactless is the quick, easy and secure way to make payments - Simply touch your American Express Card on the reader, wait for the beep and you're done. What's more, with Amex pay, Samsung Pay, and Apple PayTM, you can even pay with your phone.

Find a type of card to suit your needs

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

*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.