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ENHANCE YOUR CARD SECURITY

PROTECT YOURSELF

Important steps to enhance your Card security

All American Express® Cards issued from 1 July 2012 will require Card Activation before first use. This is an extra step to protect you against fraudulent transactions on your Card Account. Card Activation is required for all New, Renewal and Replacement Basic and Supplementary Cards.


To activate your Card, you may use the following methods:
  • Online at www.americanexpress.com.sg/activate  or
  • Call our Card Activation hotline at:
    i. 1800 296 7722 (local) or +65 6296 7722 (from overseas) for Personal Cards
    ii. 1800 732 2566 (local) or +65 6732 2566 (from overseas) for Corporate Cards


For more information, please click here for FAQs.

As part of our ongoing commitment to safeguard the security of your Card Account, we have put in place additional security measures to provide you with greater peace of mind when you use your
American Express® Card.

Magnetic Stripe Usage - Overseas

In line with the industry-wide initiative to enhance Card security, the magnetic stripe on all
American Express Cards will be deactivated for overseas use on 1 October 2013.

Cardmembers will be required to activate the magnetic stripe on their American Express Card(s) to enable the following:

  • Overseas transactions at magnetic stripe (swipe) terminals
  • Overseas Cash Withdrawals (ATM)

You may activate the magnetic stripe on your Card for a date-specific or an non-date specific period.

To activate/deactivate the magnetic stripe on your Card for overseas use, please use the following channels:

            • 1800 296 7722 (local) or +65 6296 7722 (from overseas) for Personal Cards
            • 1800 732 2566 (local) or +65 6732 2566 (from overseas) for Corporate Cards

For more information, please click here for FAQs.

Transaction Alerts

From June 2012, we will be providing alerts to you whenever a transaction of S$1,000 and above is made on your Card. These alerts will be sent to you via SMS or Email. For more information, please click here for FAQs.

To make changes to the threshold amount or delivery preferences, log on to your Online Services Account at www.americanexpress.com.sg. If you have enrolled and indicated your alert preferences previously, they will remain unchanged.


Extended Alerts

Please note that from March 2012, you will be receiving notifications of confirmation from American Express each time you make a change to the personal information on your Card Account such as your billing address, mobile number or email address. For more information, please click here for FAQs.

What is American Express SafeKey?

American Express SafeKey is an added security layer to safeguard your online purchases for your peace of mind. This is one of the initiatives in support of the Monetary Authority of Singapore (MAS) and Association of Banks in Singapore (ABS) to improve card payments security.

From 1 April 2011, you will be required to enter a One-Time Password (OTP) when making online purchases at participating merchants that display the American Express SafeKey logo on their websites.

How does it work?

An added security layer for online Credit Card transactions, American Express SafeKey only applies to participating online merchants certified by American Express. When making online purchases at these merchants, an OTP will be sent to you to authenticate each transaction. You will receive this OTP via SMS and/or Email using the contact details you have put on file for your American Express Card.

Do I need to register for SafeKey?

SafeKey is easy and it is free. You are automatically registered for SafeKey and do not need to take any additional action to take advantage of this online security benefit. When you checkout at participating SafeKey merchants, an OTP will automatically be sent to your mobile phone number and/or Email address on file. As always, please be sure to keep your mobile phone number and Email address up to date with American Express for all of your basic and supplementary Cards. However, if you are shopping at a participating SafeKey merchant and need to update your mobile phone or Email address on file, you can also update your contact details during checkout in a few simple steps to get an OTP sent to your updated contact details in real time for that transaction.

For more information on American Express SafeKey, click here for the FAQs.

What are the benefits?

  ✓ Enhances Card security
  ✓ Easy and Hassle-Free
  ✓ Additional verification for added peace of mind

Identity Theft 

Identity theft occurs when someone uses your name and personal information to assume your identity either to open new credit accounts, bank accounts, mobile phone accounts, and more in your name or to assume ownership of existing accounts you may legitimately hold. 

American Express fraud prevention and identification is managed through our monitoring of new and existing accounts. When we detect something unusual, for example, that someone might have stolen your identity and has applied for an Amex card, we will call you and leave a message asking for you to call us back so that we can confirm whether you applied. 

What to watch out for: 

While identity theft may begin with the loss or theft of a wallet or purse, there are a number of other ways that identity thieves can obtain your personal information:

  • Phishing occurs when someone tricks you into divulging personal, financial or account information. Posing as well-known companies, thieves will send out e-mails asking you to reply, or direct you to a fraudulent web page that asks you to provide personal information, such as your credit card number, Social Security number or account password.
  • Phone Phishing (also called "Vishing") is another way thieves try to collect sensitive information from you. In this type of fraud, they will either contact you by telephone or send you a fake e-mail and ask for you to respond by telephone.
  • Thieves may acquire records containing your personal information and/or account information from intercepted or discarded financial statements, payroll stubs, or other records sent to you or from third parties with whom you interact in your normal course of business where such information is disclosed.

Credit Card Fraud

Fraudulent transactions attempted on legitimate credit card accounts have risen sharply in recent years. While in some instances, credit card fraud occurs when someone's physical credit card is lost or stolen by another party who uses it, credit card fraud is driven primarily by compromise of credit card account data during their normal course of usage. Such compromises can range from theft of data by skimming (copying) the information contained on a small number of credit cards' magnetic stripes to large scale data breaches where millions of credit card accounts are compromised through exploitation of a data security weakness at an online or physical store or chain. Stolen credit card data is then often used to attempt fraudulent online purchases or to create counterfeit credit cards to attempt fraudulent in-store purchases.

Travelers Cheque and Gift Cheque Fraud

While the vast majority of Travelers Cheques and Gift Cheques in circulation are authentic and may be reimbursable if lost or stolen (subject to terms and conditions – click here to learn more), there are attempts to use counterfeit cheques in scams, particularly those perpetrated online. Cheque fraud typically begins when someone gives you a realistic-looking check and asks you to send cash or wire money somewhere in return.

How American Express Helps Protect You:

Your security is very important to us. American Express helps protect you from credit card fraud through a sophisticated monitoring system designed to detect fraudulent activity and protect your from Card from misuse. If we suspect any unusual activity, we will take measures to monitor your account and/or we may contact you. In fact, we offer a variety of digital solutions to enable instant contact and immediate resolution of most concerns. And remember, when you use your American Express® Card, you are not liable for fraudulent purchases.


American Express takes any fraudulent usage of its Card products very seriously. As outlined in our existing terms and conditions, we have policies and systems in place for the protection of our Cardmembers against any potential fraudulent purchases on their Cards:

  • All of our American Express® Proprietary Cards come with a $100 limit on liability.
  • In addition, our Platinum and Centurion Charge Cards also enjoy zero dollar liability.

This means that as long as a Cardmember has acted responsibly in safeguarding the Card and promptly informed American Express upon any incidence of Card loss, the Cardmember’s liability before reporting the Card loss is limited to the caps stated above.

We also have various systems and controls in place to detect, prevent and safeguard your interests by minimising the occurrence of any fraudulent Card usage in the first place. These include:

  • Making outbound calls to Cardmembers if we believe the transaction is irregular or questionable.
  • For online transactions, we urge and encourage our merchants to implement fraud prevention controls by seeking additional information to allow us to match it against real-time authorisation of the transactions.
  • Our compromise detection system allows us to rapidly take precautionary actions if there is a batch of Cards that may be compromised.


Sometimes the unexpected happens, and you deserve to be protected.

- 90-day Accident and Theft Guarantee²:
Almost anything you buy with your American Express Card², anywhere in the world, is automatically insured against accidental damage or theft for 90 days from the date of purchase.

- 90-day Return Guarantee²:
If you’re not satisfied with anything you purchased with your Card in Singapore, return it within 90 days of purchase and we will gladly give you a refund on it even if the store does not.

² Purchase Protection is underwritten by Chubb Insurance Singapore Limited. Terms and Conditions apply. Purchase protection is only available to Personal, Gold, Platinum and Charter American Express Charge Cardmembers holding a valid American Express Card.

Should you encounter a problem outside the country, we can provide you with immediate advice and referrals to an English-speaking doctor or lawyer anywhere in the world - 24 hours a day.

There are 1,700 locations around the globe. Contact the office nearest you for:
- Expert travel planning advice
- Help with car rental and travel arrangements
- American Express® Travellers Cheques and foreign currency
- Maps and information about the local area and culture.

Just call on (65) 6334 0729 collect or contact your nearest Travel Service Office³.

³Comprising Travel Service locations of American Express® Travel Related Services Company Inc., its Affiliates and Representatives worldwide.

 

Shop online with confidence when you pay with the American Express® Card. We'll stand behind your online purchases just as we do when you purchase items over the phone or in person. You'll also not be held responsible for any unauthorised charges online4.

In fact, American Express takes specific measures to protect your safety and privacy online. We use the latest technology to keep your account number secure; we have a clearly stated online privacy protection policy. And we stand by it.

The Online Fraud Protection Guarantee applies to cards issued by American Express in selected markets. In some markets, partners (e.g. some local Banks) issue Cards, so Cardmembers will need to refer to the partner for details of their terms and conditions.

4Provided you notify us immediately upon discovery of any fraudulent transactions and you have complied with the Card Conditions, you will not be held liable for any charges. Immediately means as soon as you are aware but no later than or or before the due date of the statement in which the fraudulent transaction appears.