Best American Express Credit Cards in Singapore 2025

AMEX, short for American Express, is a global financial services company that's widely recognised for its range of American Express credit cards in Singapore and around the world. However, it's important to note that AMEX is not a bank. Instead, it operates as a payment processor network, similar to Visa and Mastercard, facilitating transactions between consumers and merchants.

If you’re searching for the best American Express credit card, it helps to understand the various credit card tiers American Express has to offer. These are:

• Blue: This tier focuses on cashback rewards, providing cardholders with a percentage of their spending back as a statement credit. The American Express True Cashback Card is a popular option in this category.

• Green: This is the entry-level tier of American Express travel reward cards. These cards typically have lower annual fees and offer basic benefits like purchase protection and travel insurance.

• Gold: American Express Gold Cards sit a step above Green cards, offering more premium benefits like airport lounge access and higher rewards earn rates on specific spending categories.

• Platinum: American Express Platinum Cards are the highest tier of publicly available credit cards. They come with a high annual fee but offer a wide range of luxury travel and lifestyle benefits, including airport lounge access, travel credits, and exclusive concierge services.

• Centurion: This is the most exclusive and prestigious top card in the AMEX line, often referred to as the "Black Card." It's invitation-only and requires a significant amount of spending and a long history with American Express to qualify.

American Express offers a variety of rewards programs across its different card tiers, allowing cardholders to earn valuable benefits and perks based on their spending habits. Here are some of the key AMEX rewards you can enjoy:

Many American Express cards in Singapore participate in the Membership Rewards® program. This program allows you to earn points on eligible purchases, which can then be redeemed for a wide range of rewards, including:

• Travel: Redeem your points for flights, hotel stays, car rentals, and travel experiences through the Membership Rewards® portal.

• Shopping: Use your points to offset purchases at participating retailers or redeem them for gift cards and merchandise.

• Dining: Enjoy exclusive dining experiences and discounts at participating restaurants.

American Express offers a range of KrisFlyer co-brand credit cards in partnership with Singapore Airlines. These cards allow you to earn KrisFlyer miles on your everyday spending, which can be redeemed for flights, upgrades, and other travel benefits with Singapore Airlines and its partner airlines.

Some American Express cards, like the True Cashback Card, offer cashback rewards on your purchases. This means you get a percentage of your spending back as a credit on your statement, effectively saving you money on your everyday expenses.

Wondering “How can I get an American Express card?”, simply follow this simple step-by-step guide.

Explore the range of American Express cards available in Singapore and compare their benefits and annual fees to find the one that best suits your needs and financial situation. Consider factors like your spending habits, travel frequency, and desired rewards.

Each American Express card has specific requirements in order to be eligible for the reward tier. This includes minimum income and credit scores. Review the eligibility guidelines for your chosen card to ensure you meet the requirements before applying.

Visit the American Express website or use their mobile app to access the online application form. You can also consider applying for your credit card via SingSaver for exclusive sign up rewards. Enter your accurate personal and financial information as required, ensuring all details are correct and up-to-date.

Once you've completed the application form, review it carefully and submit it electronically. American Express will then review your application and notify you of their decision, usually within a few business days.

To be eligible for an American Express card in Singapore, you generally need to meet the following requirements:

• Age: Be at least 21 years old for a principal credit card, and 18 years old for a supplementary card.

• Income: Meet the minimum annual income requirement, which varies depending on the specific card. This information can usually be found on the American Express website or in the card's terms and conditions.

• Residency: Be a Singapore citizen, Permanent Resident, or a foreigner with a valid Employment Pass.

For specific American Express card requirements, it's always best to check the details on the American Express website or contact their customer service.

American Express credit card annual fees in Singapore can range from under S$160 to over S$1,700, depending on the card tier and the benefits it offers.

• Basic cards like the Green Card have lower annual fees, typically around S$160. Some cards might even waive the first year's fee as a welcome offer.

• Mid-range cards like the Gold Card and Blue Cash Everyday® Card usually have annual fees in the S$200 - S$300 range.

• Premium cards like the Platinum Card have significantly higher annual fees, around S$1,700, reflecting their extensive travel and lifestyle benefits.

• The ultra-exclusive Centurion Card has an invitation-only policy and its annual fee is not publicly disclosed.

The annual fee is usually charged on the first statement after card approval. Some cards may offer a first-year fee waiver or provide opportunities to earn rewards points or statement credits that can offset the cost of the annual fee.