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The American Express® Gold Card

Open doors for freedom to spend.

Card Type
Charge Card
Annual Fee
S$180 (inclusive of GST)
Annual Supplementary Card Fee
S$110 (inclusive of GST)
No pre-set spending limit, with travel and shopping protection

Key Benefits


With no pre-set spending limit, enjoy flexibility and freedom to spend as you please, and also peace of mind from travel and shopping protection included with your Card.


Enjoy extensive cover and support, home and away, with your Gold Card.

Charter Membership

A collection of exclusive privileges designed to let you make the most of your lifestyle.

Reward yourself

Earn points and get the rewards you really want.
  • Membership Rewards® Programme.
  • Points do not expire.
  • Use the points the way you want.
  • No pre-set spending limit.
Read More


Enjoy extensive cover and support, home and away, with your Gold Card.
  • Purchase protection up to 90 days.
  • Global Assist.
Read More

Charter Membership

The American Express® Charter Membership is a very special designation reserved for our most valued American Express Gold Card members.
  • Charter Customer Assist for enquiries and bookings within Asia Pacific region.
  • Extended Warranty for purchases on your Card.
Read More
Reward Yourself
Membership Rewards® Programme
Earn 2 Membership Rewards® points for every S$1.60 spent. Enrolment into the Membership Rewards® Programme is required for points to be awarded. You may choose to enrol in one of the following two options:
  • Non-Frequent Traveller Option (S$10): Earn Membership Rewards® points towards redeeming dining and shopping rewards.
  • Frequent Traveller Option (S$40): Earn Membership Rewards® points towards redeeming dining & shopping rewards, flights and hotel stays.
Points do not expire
Unlike other loyalty programmes, Membership Rewards® points never expire. Furthermore, with no restriction on the number of points you can accumulate, just choose the reward you want and you'll have time to get it, the sky's the limit.
Use points the way you want
From redeeming shopping, travel and entertainment rewards to offsetting purchases made on your Card. Use your Membership Rewards® points the way you want it. Visit our Membership Rewards® page to find out more ways you can use your points.
No pre-set spending limit
With no pre-set spending limit, enjoy the flexibility and freedom of no spend restrictions set on your Card.
Purchase Protection up to 90 days*
Whether you're buying online or shopping at your local supermarket. Purchase Protection offers you repair, replacement or reimbursement on eligible purchases made with your Card, that has been damaged or stolen within 90 days of purchase. With coverage up to S$8,000 per item and up to a maximum of S$80,000 per calendar year per Card Member Account.
    Global Assist
    Sometimes, the unexpected happens when you travel overseas. Get immediate advice with our 24/7 global helpline, from free referrals to an English-speaking doctor, lawyer or relevant professional, to assistance on passport replacement, missing luggage and more. Dial +65 6733 0833 (For International use).
    Charter Membership
    Charter Customer Assist
    Exclusively for Gold Charter Members, our dedicated Charter Customer Assist team stands ready to assist you with any request. Whether it's a bouquet of flowers for your loved ones, a game of golf at the nearest golf course, restaurant reservations or tickets to upcoming theatre shows, concerts, and sporting events; we are only a phone call away to help you with enquiries and bookings within the Asia Pacific region. You'll even be able to obtain travel assistance during office hours.
      Extended Warranty
      We will double the original manufacturer's warranty when you make a purchase on your American Express Gold Charter Card in Singapore. Giving you up to an additional 24 months of protection and a maximum warranty period of 48 months. Quite simply, you enjoy more protection for your purchases with your American Express Gold Charter Card.
      To apply for the American Express Gold Card, it's important that:
      • You're over 21 years of age. Supplementary Card applicant should be over 18 years of age.
      • For Singapore Citizens and Residents, you have earnings which provide an income of over S$55,000 p.a.
      • For Expatriates, you have earnings which provide a minimum income of over S$55,000 p.a.