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Card Types

 

Whether you want to collect Membership Rewards points, accumulate KrisFlyer miles, earn Cashback or enjoy premium lifestyle experiences, find a Card to suit your needs at American Express.

Finding a type of Card to suit your needs

 

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

 

Charge Cards differ from Credit Cards as they give you the financial flexibility of no pre-set spending limit, and no interest charges since you must pay the balance in full at the end of each month.

 

Your spending limit however, depends on your Card usage, and is based on factors including your current spending patterns, payment history, credit record, and financial resources.

 

Learn more about Charge Cards >

 

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Discover American Express Card types
 

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.

Eligibility

 

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.

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


FRAUD AND SHOPPING PROTECTION

Your security and protection are our priority. Our technology has been designed to give you peace of mind when using your Card.



 

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.
 

Explore Our Credit Cards

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