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Credit Cards by American Express

American Express offers a range of Singapore Credit Cards with different rewards and benefits tailored to your lifestyle and interests.


Whether you want to collect loyalty Membership Rewards points, cashback, travel rewards or enjoy premium lifestyle experiences, here you can find a Credit Card to suit your needs.


What is a Credit Card?

A Credit Card lets you pay for your purchases without cash. Credit Cards offer a line of credit that allows you to make purchases and pay back the amount later. If you pay less than the full balance, you’re charged interest on the amount owed.


Discover our Credit Cards >



Why choose a Credit Card from American Express?


American Express Credit Cards offer you opportunities to earn a variety of rewards with Membership Rewards® points that you can redeem for flights, holidays, hotel stays, and gift vouchers.


The rewards don't stop there. Our Credit Cards offer you a range of movie, dining and golf privileges as well as shopping protections like Refund Protection, Purchase Protection, Online Fraud Protection, as well as inclusive insurance benefits, and 24/7 customer support. Find all our latest Credit Card promotions.


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How to pick the right Credit Card



Check the types of Cards that American Express offers


American Express offers a range of Credit Cards and Charge Cards with different rewards and benefits tailored to your lifestyle and interests.




Check the Credit Card fees


The charges you pay partly depend on the type of card you have and how you use it. Some of our cards have first year annual fee waivers. You can view our first year fee waived cards below. 





Check the Credit Card interest rates


Learn about APR (Annual Percentage Rate) and how interest gets calculated. Knowing this can help you choose the right card.





Our Credit Cards

S$176.55 (inclusive of GST) First Year Fee Waiver.



  • Welcome Bonus: 5,000 KrisFlyer miles the very first time you charge to your Card (for first-time American Express Singapore Airlines Credit Card applicants only).

  • Receive S$150 Cashback for use on your next purchase on when you spend S$12,000 on eligible purchases with your Card from 1 July 2021 till 30 June 2022.
  • Earn up to 3.1 KrisFlyer miles for every S$1 spent on eligible purchases.

Annual fee of S$337.05 (inclusive of GST).



  • Welcome Bonus: 5,000 KrisFlyer miles the very first time you charge to your Card (for first-time American Express Singapore Airlines Credit Card applicants only).

  • Complimentary night stay each year at participating Hilton Properties in Asia Pacific.
  • Enjoy four complimentary lounge access vouchers to any participating SATS Premier and Plaza Premium Lounge each year.
  • Enjoy accelerated upgrade to KrisFlyer Elite Gold membership tier.
  • Enjoy Double KrisFlyer Miles Accrual Voucher.

  • Earn up to 3.2 KrisFlyer miles for every S$1 spent on eligible purchases.

Annual fee of S$321 (inclusive of GST).


  • Enjoy Love Dining @ Restaurants privileges which offers up to 50% savings on food orders at a handpicked selection of popular restaurants
  • Love Dining @ Hotels offers you exceptional year-round privileges and savings of up to 50% on food bills for unlimited visits at selected 5 star hotels around Singapore.
  • Enjoy a complimentary drink with purchase of at least one item from the merchant’s menu at over a dozen fashionable bars in Singapore.


Key benefits at a glance


American Express Credit Cards offer you:


  • Travel Inconvenience & Travel Accident Benefits
  • American Express Global AssistTM
  • American Express Dining Privileges
  • Nightlife Privileges
  • American Express Selects®
  • Online Account Access
  • Customer Service
  • Emergency Card Replacement
  • Terms and Conditions apply to each of the above.






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.

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.