Child on beach with balloon - American Express

American Express Rewards Credit Cards and Charge Cards


Enjoy all the benefits, convenience and security of an American Express Credit Card or Charge Card – with the added bonus of accumulating rewards.

Why choose a rewards Card from American Express?


With an American Express Rewards Credit Card and Charge Card, you have the additional benefit of earning rewards virtually every time you use your Card. Whether it's KrisFlyer miles for your next vacation, rewards in the form of STAR$® from your Capitacard, or Membership Rewards® points which you can exchange for complimentary travel, special treats and unique experiences— there is definitely a Rewards Card* suitable for you.


*Different rewards Cards have different earn rates and Card benefits. Please refer to the individual Card pages for more information.

Friends having cake and coffee - American Express

Our rewards Credit Cards and Charge Cards

Spend S$5,000 on your Card in a calendar year and you'll get 50% bonus points on all your spending, every time, everywhere.

  • 50% more Membership Rewards points at your choice of 5 places in Singapore*
  • Up to 50% savings with American Express Selects® at a wide selection of restaurants
  • Exclusive Travel Deals
  • No-Worries Guarantee*
S$171.20 (inclusive of GST) First Year Fee Waiver.
  • Earn 5 STAR$® for every S$1 spent on eligible purchases.
  • Earn up to 3% rebate (awarded in 6X STAR$® 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 per calendar month.

*Capped at S$1,200 of eligible spend per calendar month.

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.

Enjoying rewards

Refer Friends. Get Rewarded.

Your friends are a fast way to earn more rewards.


All you have to do is refer a friend to American Express and, if they're approved as a Card Member, you'll both get bonus Points. You could earn bonus KrisFlyer miles, Membership Rewards points by simply referring your friends. Terms and conditions apply. Available for selected products only.

Earn extra points with a Supplementary Card

American Express Supplementary Cards are an ideal way to maximise your Membership Rewards earning potential. Every eligible purchase made by your Supplementary Card members earns points directly to your Account, and they can enjoy many of the same great Card benefits and protections that you do.

Travel with points

Travel is one of the great joys in life. That’s why American Express offers our Cardmembers every opportunity do so with their Membership Rewards points. Whether you’re planning a business trip, a weekend away or an overseas holiday, American Express Travel Rewards can help you get there.


Choose from:


American Express Travel Online 


  • From last-minute mini breaks to exciting adventures, discover a world of travel experiences at prices you'll love
  • Benefit from our years of experience, excellent service and support, from the moment you book to the moment you come back

Airline and Hotel partners 


  • With up to 7 airline transfer partners and 2 hotel partners for our Card members to choose from, you can transfer your Points directly to your preferred airline or hotel to travel practically anywhere in the world
  • Once your points have been transferred, all you have to do is make your booking

Singapore Airlines Credit Cards


  • Earn KrisFlyer miles and use them to help jet off to distant shores, take advantage of the complimentary lounge passes or discounted rates at Plaza Premium Lounges, and stay connected with preferential portable Wi-Fi router rates.

Pay with points

Paying for your purchases with your American Express  Membership Rewards Points, or using a combination of Points and payment, can do wonders for your cash flow.


You can also use your Points to pay your annual fee on selected Cards, make a donation or redeem American Express Membership Rewards Points for a credit on your account. The choice is yours with American Express.

Shop with points

Our partners make it easy to use your Points to shop, watch live sports or even visit the theatre. With American Express Membership Rewards, use Points to make purchases at Amazon and Ticketmaster, so whether it's a new iPad or a night out, your Points could be the ticket to something you'll adore.

Gift Cards

Not sure what to give? A Gift Card or Voucher could be the perfect solution. Use your American Express Membership Rewards Points for Gift Cards or Vouchers from a wide range of our retail, entertainment and even travel partners.


Our gift Cards and Vouchers offer a unique gift that puts incredible choice in the lucky recipient's hands.

Maximise your Points

As an American Express Cardmember you can make more of your passions with exclusive access to a wide range of entertainment events and special benefits at over 400 restaurants around the world.


Get a chance to buy tickets for the hottest shows - often before they go on sale to the public. We also reserve some of the best seats for the best shows for Cardmembers.


Look forward to special dining benefits at select restaurants including either a 20% discount off your food bill, a complimentary bottle of wine, or a complimentary starter/dessert.


Key benefits at a glance


American Express rewards Credit Cards offer you:


  • A welcome bonus(1) to get you started
  • The ability to earn rewards, KrisFlyer Miles or STAR$ on virtually all your spend
  • Purchase protection
  • Online fraud guarantee
  • Travel Inconvenience and/or Travel Accident benefits(2)
  • 24/7 customer service
  • Access to American Express Selects and Invites


*Superscript (1) & (2) : for selected cards only.





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 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.

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.