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How to apply for a Credit Card

All the information you’ll need to apply for an American Express Credit Card and Charge Card.

Applying for a Card

Apply online with ease


  • 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.


Am I eligible for a Card?


To apply for a personal Credit Card or Charge Card in Singapore you need to meet certain eligibility criteria. To save time you can use the following checklist:


  • I am aged 21 or over
  • I have an income that meets the minimum for the Card I am interested in


Some of our 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.


Application Process

How do I apply for a Credit Card or a Charge Card?


Once you have chosen a Credit Card or Charge Card, read the Terms and Conditions, then click the ‘Apply now’ button on your chosen Card page to begin your application.


The Card application takes less than 10 minutes. You’ll be asked to input the personal and financial information outlined previously, after which you can review a summary to ensure that all the information you’ve provided is correct before submitting your application.


When considering your application, we will ask a Credit reference agency to carry out a Credit assessment.


If you have any additional questions about this process or need further assistance, please contact our team on 1800 299 1997.


Credit Check


When you apply for a Credit Card or a Charge Card, your application will undergo a Credit check which includes an evaluation of your Credit history. 


A Credit check is the process undertaken by American Express to ensure you are able to meet the obligations of a Credit or Charge Card contract. Generally, it means looking at:


  • Your ability to repay
  • Your financial responsibility
  • Your chance of defaulting, not paying back your debt
  • Your Credit history


Learn more about Credit Score >

Choosing a Card

How do I choose a Card?


We provide a range of Credit Cards and Charge Cards that offer various rewards and benefits. Whether you want to collect points, get Cashback, enjoy travel rewards or premium entertainment and lifestyle experiences, American Express has a Card for you.


When searching for a Card, you should take time to consider the fees and possible interest charges, as well as how much you can afford to repay each month.


Find a Card that will complement and reward your lifestyle by selecting a type of Card.


Find a Card to suit your needs >

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.