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The American Express® Personal Card

The Iconic Card is back. Own a piece of Heritage

Card Type
Charge Card
Annual Fee
S$120 (inclusive of GST)
Annual Supplementary Card Fee
S$75 (inclusive of GST)
Earn Rate
2 Membership Rewards® points for every S$1.60 spent

Key Benefits

The Iconic Charge Card

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

Membership Rewards

Earn Membership Rewards® points for every full S$1.60 spent.

Membership Rewards Programme and Flexible Rewards

Redeem your points with great partners, or simply use them towards eligible Card charges.

Experiences

Enjoy a wide range of shopping, dining, hotel, and entertaiment offers around the world.

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
Read More

Experiences

Enjoy a wide range of shopping, dining, hotel, and entertaiment offers around the world.
  • American Express Invites®.
  • Live the World with American Express.
  • American Express Selects®.
Read More

Security and World-class Service

As you might expect from us, the service is a little bit special.
  • Purchase Protection.
  • Travel Accident Insurance.
  • Global Assist.
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 offseting 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.
    Experiences
    American Express Invites®
    Life is made up of many experiences, but only a handful stay with you. American Express Invites helps you turn those moments into lasting memories. Whether it’s music or sports, you’ll enjoy extras ranging from advanced tickets to exclusive interviews and even special touches like a complimentary bottle of wine/appetiser. So whatever you choose to do, when you experience it with American Express Invites, it’s an experience you won’t forget. Click here to experience handpicked local dining favorites from all over the world.
      Live the World with American Express
      See it, love it, taste it all over the world with Live the World and American Express. Enjoy a wide range of shopping, dining and hotel offers around the world with your Card. Click here to learn more.
      American Express Selects®
      American Express Selects gives you exclusive dining privileges all around the world, all year round. Click here to learn more.
      Security and World-class Service
      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.
        Travel Accident Insurance*
        Purchase your travel ticket with your American Express Personal Charge Card and receive free accidental death and dismemberment insurance while travelling on a public conveyance for up to S$200,000. Eligible for Card Member, spouse and dependent children under 23 years old.
        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 6732 2244 (For International use).
        Eligibility
        To apply for The American Express Personal 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$30,000 p.a.
        • For Expatriates, you have earnings which provide a minimum income of over S$60,000 p.a.