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Feel free to do more

You're always in charge.

Continue to live life on your own terms. Your Card gives you the power to spend as you please and take charge of what is most important – your financial freedom. What’s more with our “No Worries Guarantee” enjoy peace of mind.

No pre-set spending limit

If you earn at least S$120,000 per annum, you enjoy the flexibility and freedom to spend with no pre-set spending limit* on your American Express Gold Card. Your transactions are approved based on your spending patterns and payment history, with instant access to your resources anywhere in the world.


Enjoy protection for purchases^ made on your Gold Card

Purchase protection

Almost anything you buy on your Card, anywhere in the world, is automatically insured against accidental damage or theft for 90 days from the date of purchase.

Return guarantee

If you are not satisfied with almost anything you purchased with your Card in Singapore, return it within 90 days and we will gladly give you a refund on it – even if the store doesn’t.

Online fraud protection guarantee

Use your card to shop online with confidence. When you shop with American Express, you will not be held responsible for unauthorised charges online.

Limited liability on lost/stolen Cards

No need to panic if you lose your Card. As soon as you notify us of the loss, you will not be liable for any unauthorised charges made thereafter. Even before notification, your liability is limited to a maximum of S$100 provided that you have acted in good faith and with reasonable care in safeguarding your Card.


Let us take care of all your travel worries.

Travel Accident insurance* for you and your family

You are automatically covered for up to S$350,000 of Travel Accident Insurance whenever you use your American Express Gold Card to purchase travel tickets for yourself, your spouse and dependent children (under 23 years of age).

You will also enjoy valuable protection against travel inconveniences worldwide, including:
  • Missed connections and delayed luggage

    You will be reimbursed up to S$200 (S$400 if travelling with spouse and children) worth of accommodation and meals charged to your Card.

  • Lost luggage

    You will be reimbursed up to S$500 (S$1,000 if travelling with spouse and children) worth of emergency items charged to your Card.

American Express Travel Service Offices

With over 2,200 American Express Travel Service Offices around the world, our staff are on hand to assist you with ticket changes, hotel and car rental reservations, sightseeing and travel arrangements, and even to answer general queries on the local area and culture. Comprising travel service locations of American Express Travel Related Services Company Inc.


Charter Privileges:
Extended Warranty

Enjoy more protection for your purchases exclusively with your American Express Gold Charter Card. Simply make a purchase on your Card in Singapore and we will double the original manufacturer’s warranty – giving you up to an additional 24 months of protection, with a maximum warranty period of 48 months.

Charter Privileges:
Charter Assist

Yet another exclusive benefit for Gold Charter Members, our dedicated Charter Customer Assist team stands ready to assist with any request. Be it a bouquet of flowers for your loved one, restaurant reservations, concert or show tickets, we are only a phone call away. We can even help with your travel plans during office hours. To access Charter Assist call the number at the back of your card.

^Please click here for full terms and conditions.
*Terms and Conditions apply. Please click here for details.