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.
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.
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.
Annual fee S$178.20 (incl. of 8% GST with effect from 1 Jan 2023) 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 singaporeair.com when you spend S$12,000 on eligible purchases with your Card from 1 July 2023 till 30 June 2024.
- Earn up to 3.1 KrisFlyer miles for every S$1 spent on eligible purchases.
Annual fee S$340.20 (incl. of 8% GST with effect from 1 Jan 2023).
- 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 when you spend above S$15,000 on eligible purchases made on singaporeair.com within the first 12 months upon Card approval.
- Receive a Double KrisFlyer Miles Accrual Voucher when you spend S$15,000 or more on eligible purchases with your Card on singaporeair.com from 1 July 2023 to 30 June 2024 (capped at 5,000 bonus KrisFlyer miles).
- Earn up to 3.2 KrisFlyer miles for every S$1 spent on eligible purchases.
Annual fee of S$324 (incl. of 8% GST with effect from 1 Jan 2023).
- Enjoy Love Dining @ Restaurants privileges which offers up to 50% savings on food orders at a handpicked selection of popular restaurants
- Love Dining @ Hotels offers you exceptional year-round privileges and savings of up to 50% on food bills for unlimited visits at selected 5 star hotels around Singapore.
- Enjoy a complimentary drink with purchase of at least one item from the merchant’s menu at over a dozen fashionable bars in Singapore.
- Earn up to 3% rebate (awarded in 6X STAR$® or 30 STAR$®)* when you spend at participating merchants in CapitaLand Malls in town.
- Earn up to 2% rebate (awarded in 4X STAR$® or 20 STAR$®)* when you spend at participating merchants in CapitaLand Malls in the heartlands.
- Earn an additional 5% rebate (awarded in 10X STAR$® or 50 STAR$®) at participating STAR$® X’tra Partners in CapitaLand Malls.
- Enjoy complimentary 3-hour parking per mall, per day across participating CapitaLand Malls when you spend S$1,200 in a calendar month.
*Capped at S$1,200 of eligible spend each month.
S$172.80 (incl. of 8% GST with effect from 1 Jan 2023) waived for the first year. First Year Fee Waiver
- 3% Cashback for first 6 months up to S$5,000 spend.
- 1.5% Cashback on subsequent Local currency spend.
- No minimum spend and no earn cap.
Annual Fee S$540 (incl. of 8% GST with effect from 1 Jan 2023).
- Enjoy a complimentary 3D2N stay every Card Membership year at participating Frasers Hospitality properties worldwide
- Gain access to the members-only Tower Club
- Enjoy year-round savings of up to 50% at a handpicked selection of popular restaurants island-wide
- 10 Membership Rewards points* for every S$1.60 spent at selected partners
Annual fee S$556.20 (incl. of 8% GST with effect from 1 Jan 2023) 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 a 50% KrisFlyer Miles Redemption Voucher when you spend S$75,000 or more on eligible purchases with your Card from 1 July 2023 to 30 June 2024. This voucher entitles you to a one-off 50% saving (capped at 50,000 KrisFlyer miles) when you redeem your KrisFlyer miles for an eligible redemption award booking.
- Receive a Double KrisFlyer Miles Accrual Voucher when you spend S$15,000 or more on eligible purchases with your Card on singaporeair.com from 1 July 2023 to 30 June 2024 (capped at 10,000 bonus KrisFlyer miles).
- Earn up to 3.3 KrisFlyer miles for every S$1 spent on eligible purchases.
Annual fee S$556.20 (incl. of 8% GST with effect from 1 Jan 2023) 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).
- Enjoy a complimentary one-sector upgrade from Business Class to the Singapore Airlines Suites or First Class when you spend S$50,000 or more on eligible purchases with your Card on singaporeair.com from 1 July 2023 to 30 June 2024.
- Receive a 50% KrisFlyer Miles Redemption Voucher when you spend S$75,000 or more on eligible purchases with your Card from 1 July 2023 to 30 June 2024. This voucher entitles you to a one-off 50% saving (capped at 50,000 KrisFlyer miles) when you redeem your KrisFlyer miles for an eligible redemption award booking.
- Earn up to 3.3 KrisFlyer miles for every S$1 spent on eligible purchases.
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
- Online Account Access
- Customer Service
- Emergency Card Replacement
- Terms and Conditions apply to each of the above.
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.
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.
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.
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
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
WORLD CLASS CUSTOMER SERVICE
Access to our customer service is available 24/7 by phone, text or email.
CONTACTLESS PAYMENTS
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.