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The American Express Gold Card gives you the freedom to spend as you please, with no pre-set spending limit* if you earn at least S$120,000 pa. It really is living life on your terms.

Make the very most of your American Express Gold Card

Add to Saved Cards

Annual Card Fee
S$180 (inclusive of GST) Basic Card fee.
Supplementary Cards
S$110 (inclusive of GST) each.

Financial Freedom

With no pre-set spending limit1, the Card gives you flexibility and freedom to spend as you please. Your transactions are approved based on your spending patterns and payment history. Therefore, you will have instant access to the resources you need for all your expenses, anytime and anywhere. All we ask is that you pay your Card account in total and on time each month.

Double Points for Life

Earn Double Points for life3 - 2 points for every S$1.60 spent - anytime, anywhere and your points do not expire4.
With these points, you can redeem a wide range of exciting rewards, from travel, fine dining, audio systems to beauty packages. No other rewards programme offers so much choice or value.

American Express Selects®

Enjoy up to 50% savings* with American Express Selects at a wide selection of restaurants in Singapore and around the world.

Online Services

You will be able to manage your finances and access your account whenever you want, wherever you are, 24 hours a day.

Share the privileges with Supplementary Cards

Apply Supplementary Cards for your loved ones so that they can also enjoy the privileges of American Express Gold Cardmembership. Best of all, you will earn Membership Rewards points3 on all their purchases too.

You deserve both freedom and protection

Sometimes the unexpected happens, and you deserve to be protected.

Purchase Protection

Almost anything you buy with your American Express Gold Card is insured against accidental damage or theft2. This protection is in effect for 90 days from the date of your purchase. That's three times longer than any other card provider.

Emergency Card replacement

Should your American Express Gold Card be lost, damaged or stolen, we can have a replacement one to you usually by the end of the next working day, no matter where you are in the world. As soon as you notify us, you will not be liable for any unauthorised charges thereafter. Even before notification, your liability is limited to a maximum of S$100.

Cash Access

Express Cash5 lets you obtain up to US$2,500 (partly in cash and Travelers Cheques) at over 204,000 ATMs worldwide (combined with Emergency Cheque Cashing). You can use this facility once every 14 days when overseas. Enrollment is free for this optional service.

Emergency Cheque Cashing

You can cash a personal cheque for up to US$2,500 every 14 days at any American Express Travel Service location (combined with Cash Access)6.

Comprehensive Insurance Services

A wide range of insurance products is available from reputable insurance companies for Cardmembers and their family members residing in Singapore, providing cover under Life, Medical, Accident, Home Contents, Motor and Travel Insurance.

For the most valued Gold Card Members

The American Express® Charter Membership is a very special designation reserved for our most valued American Express Gold Card members. Charter Membership is our way of saying thank you for your continued support. The American Express Gold Charter Card offers a collection of exclusive privileges designed to let you make the most of your lifestyle.

Charter Exclusives:

Especially for our Gold Charter Members, you enjoy access to a range of exciting rewards from our enhanced Charter Exclusives catalogue at lower Membership Rewards points.

Charter Customer Assist:

Exclusively for Gold Charter Members, our dedicated Charter Customer Assist team stands ready to assist you with any request. Whether it's a bouquet of flowers for your loved ones, a game of golf at the nearest golf course, restaurant reservations or tickets to upcoming theatre shows, concerts, and sporting events; we are only a phone call away to help you with enquiries and bookings within the Asia Pacific region. You'll even be able to obtain travel assistance during office hours.

Extended Warranty:

We will double the original manufacturer's warranty when you make a purchase on your American Express Gold Charter Card in Singapore - giving you up to an additional 24 months of protection and a maximum warranty period of 48 months. Quite simply, you enjoy more protection for your purchases with your American Express Gold Charter Card.

Keeping on top of your finances

Online Services

You will be able to manage your finances and access your account whenever you want, wherever you are, 24 hours a day.

Easy Accounting with the Year End Annual Summary of Charge

Every February you'll receive comprehensive documents detailing all your charges for the previous calendar year. This will be useful for you or your accountant during income tax preparation. It helps separate your personal and business expenses, and is invaluable for budgeting and record keeping.

Easy Payment Methods

Choose the method of payment that's most convenient for you.

•Interbank GIRO
•Pay Bill Online
•Cheque
•Cash Payment

For more information, please click here.

Who should apply?

To apply online for the American Express Gold Card, it’s important that:


•  You’re over 21 years of age. Supplementary Card applicant should be over 18 years of age.
•  For Singapore Citizens and Residents, you have earnings which provide an income of over    S$55,000 p.a.
•  For Expatriates, you have earnings which provide a minimum income of over S$60,000 p.a.

Important Information

View Gold Cardmember Agreement

 

View Gold Charter Cardmember Agreement


Late Payment Fees
Two and a half percent (2.5%) per month of any overdue Previous Balance^ or S$50 per month (whichever is greater) will be added to your Account at 15-day intervals commencing from date of next monthly statement until paid in full. From 20 August 2013, your Late Payment Charges of two and a half percent (2.5%) per month of any overdue Previous Balance or S$50 per month (whichever is greater) will be added to your account at a 30-day interval until paid in full or any other rate as may be determined by us from time to time.

^Late Payment Charges which are unpaid will be included in overdue Previous Balances until paid in full.

1. As per MAS regulations, no pre-set spending limit on your Charge Card may be granted only if your current income is at least S$120,000 p.a. If your income is between S$30,000 p.a. and S$120,000 p.a., your limit may be set to up to four times your monthly income combined for all your Credit and Charge Cards with American Express.

2. Purchase Protection is underwritten by ACE Insurance Limited. Terms and Conditions apply, available upon request.

3. Points will be awarded for as long as your Card Account remains valid and enrolled in Membership Rewards and provided it remains in good standing and is not cancelled for any reason. Applies only to American Express Cards issued in Singapore by American Express International Inc. (excluding Corporate Cards). Corporate Cards issued in Singapore by American Express International, Inc. will earn one point for every S$1.60 spent on your Card.

4. In the event that you cease your enrolment in the Membership Rewards Program, you will need to redeem your points within 30 days from the date of cessation.

5. A transaction fee of 5% for cash and 1% for Travelers Cheques will apply to Express Cash withdrawals.

6. Subject to cash availability and local foreign exchange regulations.

Information is correct as at date of publish and American Express reserves the right to change the benefits without notice. To enjoy the privileges or benefits, Cardmembers must present their American Express Gold Card and all charges must be made to the Card.

Note: Information is correct as at date of publish and American Express reserves the right to change the benefits without notice. The provision of services, activities or benefits stated is the responsibility of the respective service establishment. American Express acts solely as a payment provider and is not responsible or liable in the event that such services, activities or benefits are not provided or fulfilled by the service establishment. Cardmembers acknowledge that any disputes in relation to the above are to be directed solely to the service establishment providing such services, activities or benefits. To enjoy the privileges or benefits, Cardmembers must present their American Express Gold Card and all charges must be made to the Card. Participation of merchants is subject to change without prior notice to Cardmember.