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Fraud: protecting yourself and reporting suspicious activity




All American Express® Cards issued will require Card activation before first use. This is an extra step to protect you against

fraudulent transactions on your Card Account. Card Activation  is required for all New, Renewal and Replacement Basic

and Supplementary Cards. 


To activate your Card, you can use one of the following methods:


  • Amex Mobile App
  • Online at
  • Call our Card Activation hotline at:
    1800 296 7722 (local) or +65 6296 7722 (from overseas) for Personal Cards
    1800 732 2566 (local) or +65 6732 2566 (from overseas) for Corporate Cards

For more information, please click here for FAQs.



How to report fraud to us?

If you spot a transaction you don't recognise on your statement, or think there's been

unusual activity on your Account, you may have been a victim of fraud.

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What to do next?

First, determine if the transaction is legitimate:


  • Do a quick online search for the company name shown on the transaction. It could be a third-party name for a shop you visited.
  • If it appears to be a website, check your inbox (and junk folder) for email confirmation of the transaction from the company.
  • Consider whether it could be a monthly or yearly subscription. 
  • Contact the company directly for clarification.
  • If the amount charged for something you bought is different than expected, check the exchange rate.
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Still think it's fraud?

Get in touch If you can't identify the transaction,
please call us at the phone number on the back of your Card.


How to report identity theft?

If you think you have been the victim of identity theft
involving your American Express® Account – for

example, if you receive a Card or Account statement in your name that
you didn't apply for – get in touch with us right away. We'll
take immediate action to stop the fraud and fix any damage
to your credit score. 




How to report a suspicious
alert or security code?

If you receive an alert or a One-time Code from American Express®

which you weren't expecting, call us immediately.

We'll look into it for you right away.



Where can I find more information about protecting myself from fraud?


Learn more about protecting yourself against fraud


See how else we protect you


Not an American Express® Card Member yet?