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.
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.
Enjoy peace of mind from travel and shopping protection included with your Card.
Enjoy complimentary access over 1,000 airport lounges across more than 120 countries.
Open doors for freedom to spend
Key benefits at a glance
American Express Charge Cards offer you:
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.
24/7 Customer Service
Whenever you need us, wherever you are, our Customer Care Professionals are available 24/7 by phone, text, email or mail. Our Global Assist® team provides immediate personal advice almost anywhere in the world, anytime of the day or night.
Card security and protection
All American Express cards feature Chip and PIN technology and all transactions are processed through our own Secure System to minimise the risk of fraud, whether you use your Card at home or abroad.
Our early detection systems monitor potentially fraudulent activity, and our Fraud Protection Guarantee means that in the unlikely event you are a victim of Card fraud, and you have taken reasonable care with your Card, you won't be held responsible for any costs linked to the fraudulent activity.
Accepted around the world
American Express Air Miles Cards are accepted all over the world. Your spend is converted as soon as we process the transaction. The American Express exchange rate is set daily. If you are paying in US dollars, the amount will be converted directly to Singapore dollar. If you are paying in another currency, this will be converted to US dollars and then to Singapore dollar.
Manage your Account online or on your mobile
Register online and manage your account whenever you choose to, online or on your mobile. View your current balance, have updates sent to your phone, pay your bills easily, and manage your rewards points at your convenience.
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.
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.
SOME OF OUR FEATURED FIRST YEAR FEE WAIVER CARDS
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.
SOME OF OUR FEATURED SINGAPORE AIRLINES CARDS
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.
SOME OF OUR FEATURED CASHBACK CARDS
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.
SOME OF OUR FEATURED REWARDS 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.
SOME OF OUR FEATURED AIR MILES CARDS
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.
SOME OF OUR FEATURED PREMIUM CARDS
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.
