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How to pay off your American Express bill


There are a few ways to make Credit repayments. Read on for help understanding what your options are.

Card repayments explained

What exactly is a ‘Credit Card minimum repayment’?


The minimum repayment is the very least you have to pay by the payment due date to meet the obligations of your Credit Card contract.


The minimum payment amount due on a statement  of account is 3% of the outstanding balance plus the total sum of any overdue minimum payment and late payment charges, and any amount exceeding your credit limit, or S$50, whichever is greater.


It is not recommended as a long-term solution because if you make only the minimum monthly repayments, you will pay more interest and it will take you longer to pay off your balance.


Your statement will tell you how long it will take to pay off your Credit Card bill if you only pay the minimum amount on your current balance (provided no additional further transactions are made on your Credit Card).

Useful terms

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.

Explore Our Credit Cards

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