Best American Express Cards in Singapore [2025]

Be sure to confirm details on the issuer’s website before applying. 

Consumer cards

Our pick for: The best cashback card

The American Express True Cashback Card is designed for those who value straightforward rewards. Offering a robust 3% cashback on up to S$5,000 in purchases within the first six months for new members, and 1.5% on all subsequent purchases with no cap, it ensures consistent savings on your spending. This card simplifies the rewards process, crediting your cashback directly into your statement within the same month, making it both practical and rewarding for everyday use. Read our review.

Business cards

Our pick for: The best airline credit card 

The American Express Singapore Airlines KrisFlyer Ascend Credit Card caters to frequent flyers who appreciate a hint of luxury. Earn two KrisFlyer miles per S$1 spent on Singapore Airlines, Scoot, and KrisShop, along with similar rewards for Grab expenses up to S$200 monthly. All other eligible purchases net you 1.2 KrisFlyer miles per S$1, making every expense an opportunity to fly higher. Ideal for those chasing miles with a touch of elegance, this card enhances every journey with additional miles and exclusive airline perks. Read our review.

American Express collaborates with various other partners to offer co-branded credit cards tailored to specific interests and needs. Explore the unique benefits of these cards through the official sources below:

The American Express® Gold Card

The American Express® Personal Card

The American Express® Singapore Airlines Solitaire PPS Credit Card

The American Express® Singapore Airlines PPS Club Credit Card

The American Express® Platinum Reserve Credit Card

American Express, also known as AMEX, is a prominent global financial services corporation known for its extensive array of credit card offerings in Singapore and beyond. 

Unlike traditional banks, American Express does not function as a banking institution but stands out as a dual-function entity. It serves as both a card issuer, providing a variety of credit solutions directly to consumers, and a payment processing network, facilitating seamless transactions between merchants and cardholders.

This dual capability allows American Express to offer unique services and maintain a significant presence in the financial industry worldwide.

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.