Best AMEX Credit Cards Singapore (Miles & Cashback)

Suitesmile rating:

✍️ Short summary
This card gives you unlimited 1.5% cashback on almost everything! This includes spending categories that are usually excluded from earning cashback/miles on other cards like Utilities, Insurance, Hospital and School fees.

Cardholders can also get a 22% discount at SPC fuel stations per year. The Registration is required via the AMEX mobile app.

Here’s a quick breakdown of how the SPC discount is calculated:

• 10% instant discount as an SPC&U member
• 5% instant discount for using an AMEX card
• 7.1% statement credit from the amount that was charged to card
• 1.5% statement credit from the amount that was charged to card

As compared to Visa and Mastercard, it can be harder to find merchants that accept AMEX cards outside the United States.

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💸 Annual fee
S$174.40
(First year waived)

💼 Income requirement
Not stated (usually S$30,000)

🤑 Foreign currency fee
3.25%

❓How/When cashback is credited
Cashback amount is credited into the card by the end of the statement month.

📜 Terms & conditions

Suitesmile rating:

✍️ Short summary

This card awards uncapped 1.2 miles per dollar on local and foreign currency spending. While the local earn rate is sad, the foreign currency earn rate is depressing as those transactions also come with a 3.25% FX fee.

Cardholders can earn uncapped bonus 0.8 mpd (total 2 mpd) on SIA Group (e.g. Singapore Airlines/Scoot flights, Pelago) and Grab transactions (capped at S$200 per calendar month).

Miles earned on this card are automatically transferred to your KrisFlyer account. While AMEX tries to frame this as a benefit (no conversion fee), seasoned miles chasers know that this comes with a couple of key disadvantages:

1. Cardholders have no flexibility in choosing a different frequent flyer program (obviously, as this is a co-branded card)
2. Miles converted to KrisFlyer will immediately have a fixed expiry term of 3 years

Cardholders get a 1 night stay at a participating Hilton hotel in Asia Pacific every year, which I see as the only real benefit of this card. So, it’s really like pre-paying for a “voucher” (this card’s S$397.85 unwaivable annual fee), then, spending the year trying to find the most expensive Hilton hotel to stay 1 night, plus, the 10,000 renewal miles.

Cardholders can also get an accelerated upgrade to KrisFlyer Elite Gold status after spending at least S$15,000 on Singapore Airlines and Scoot flights (originating from Singapore, booked directly with the airlines). This status is most useful to those who fly in Economy Class with Star Alliance airlines frequently as they’d receive the following benefits:

1. Airport lounge access
2. Extra 20kg checked baggage allowance
3. Priority check-in, boarding and baggage handling

Also, as compared to Visa and Mastercard, it can be harder to find merchants that accept AMEX cards outside the United States.

Like the lower-tier AMEX KrisFlyer Card, I see this as one of the worst Miles credit cards in Singapore. There are many good Miles cards with a 4 mpd earn rate, spend with those instead.

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💸 Annual fee
S$397.85
(No waiver, comes with 10,000 miles every year, from second year)

💼 Income requirement
Not stated (usually S$30,000)

🤑 Foreign currency fee
3.25%

❓How/When are miles credited
Miles are automatically credited to your KrisFlyer account on the statement date.

📜 Terms & conditions

Suitesmile rating:

✍️ Short summary

This card awards uncapped 1.1 miles per dollar on local and foreign currency spending. While the local earn rate is sad, the foreign currency earn rate is depressing as those transactions also come with a 3.25% FX fee.

Cardholders can earn an uncapped bonus 0.9 mpd (total 2 mpd) on SIA Group (e.g. Singapore Airlines/Scoot flights, Pelago) and Grab transactions (capped at S$200 per calendar month).

Miles earned on this card are automatically transferred to your KrisFlyer account. While AMEX tries to frame this as a benefit (no conversion fee), seasoned miles chasers know that this comes with a couple of key disadvantages:

1. Cardholders have no flexibility in choosing a different frequent flyer program (obviously, as this is a co-branded card)
2. Miles converted to KrisFlyer will immediately have a fixed expiry term of 3 years

Also, as compared to Visa and Mastercard, it can be harder to find merchants that accept AMEX cards outside the United States.

In my opinion, this is by far the worst Miles credit card in Singapore. There are many good Miles cards with a 4 mpd earn rate, spend with those instead.

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💸 Annual fee
S$179.85
(First year waived)

💼 Income requirement
Not stated (usually S$30,000)

🤑 Foreign currency fee
3.25%

❓How/When are miles credited
Miles are automatically credited to your KrisFlyer account on the statement date.

📜 Terms & conditions

Suitesmile rating:

✍️ Short summary

This card awards uncapped 2.86 miles per dollar at 10Xcelerator merchants, with no minimum spending required.

Cardholders can also get S$200 Fashion & Dining credit per calendar year, which is not as straightforward to use as it comes with the following quirks and limitations:

1. Receive S$100 credit twice a year (i.e. Jan – Jun, Jul – Dec).
2. Only selected fashion and dining merchants are eligible.
3. Spend at least S$100 in a single transaction to qualify.
4. Enrolment required via email link.
5. Email link sent within 8 weeks from annual fee payment.
6. Receive credit within 60 days after eligible transaction.

Cardholders can also get up to 50% off dining through the Love Dining program. While this also sounds like a great deal to get a “50% discount” on dining, it’s not as straightforward and comes with the following quirks and limitations:

1. Only particpating restaurants in Singapore are eligible.
2. Discount depends on party size:
   • 1 pax: 15% off
   • 2 pax: 50% off
   • 3 pax: 35% off
   • 4 pax: 25% off
   • 5+ pax: 20% off
3. Discount applicable to food only (no drinks) and each person must order at least 1 qualifying food item.
4. Discount excludes taxes/fees. At some restaurants, you’ll even pay the full taxes/fees on the pre-discounted bill.
5. Discount cannot be applied to the restaurants’ in-house promos.
6. Advance reservations required at some restaurants.

Earn just 0.57 mpd on other spending, even on foreign currencies, with a hefty 3.25% FX fee.

As compared to Visa and Mastercard, it can be harder to find merchants that accept AMEX cards outside the United States.

The AMEX Platinum Credit Card sells “lifestyle” benefits that are worded to sound better than they really are, and cardholders will spend a considerable amount of effort to utilize them.

The “up to 50%” Love Dining benefit is only useful when dining as a pair and when choosing “qualifying food items”. After adding taxes, service charges and drinks, your true dining discount will be far less. On top of that, you’ll also lose out on in-house dining promos and superior earn rates on better Dining credit cards.

The Fashion & Dining credits are also not easy to use as you’d need to keep track of the enrolment/redemption steps and periods, as well as the minimum spending requirements and searching for “participating merchants”.

Aside from spending at limited 10Xcelerator merchants, the AMEX Platinum Credit Card awards one of the worst earn rates in Singapore (0.57 mpd). There are many good Miles credit cards with a 4 mpd earn rate, spend with those instead.

This card tries to justify its non-waivable annual fee with “lifestyle” gimmicks that you’d spend the entire year chasing; I’d stay away from it.

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💸 Annual fee
S$327
(no waiver)

💼 Income requirement
Not stated
(usually S$30,000)

🤑 Foreign currency fee
3.25%

⏰ Miles expiry
Miles/Points earned on this card never expire

🫱‍🫲 Transfer partners
KrisFlyer, Asia Miles, Infinity MileageLands, BA Club and more

💯 Transfer ratio
2.2 points = 1 mile

🧮 Transfer block
550 points (250 miles)

💲 Transfer fee
None

🤗 Points pooling
Points from this card cannot be combined with those from other AMEX cards and can only be transferred out separately.

❓How/When are miles credited
Miles/points are credited immediately when the transactions are posted.

📜 Terms & conditions

Suitesmile rating:

✍️ Short summary

This card comes with a hefty, non-waivable annual fee of S$1,744, which doesn’t come with any renewal miles. Let’s have a look at the key benefits.

Get unlimited airport lounge visits at selected airport lounges. Enjoy this benefit with 1 guest at Priority Pass and Plaza Premium lounges and 2 guests at AMEX-branded lounges. Note: Priority Pass spas and restaurants are not eligible.

Get uncapped 6.25 miles per dollar at 10Xcelerator merchants, up to S$16,000 per calendar year; earn 3.12 mpd for spending beyond this amount.

Get a complimentary 1-night hotel stay at a selected hotel.

Get 1 free meal for 2 pax every 2 months at selected Table for Two restaurants.

Get a S$200 dining credit at selected Table for Two restaurants.

Get a S$100 credit for Singapore Airlines/Scoot flights every 6 months when you spend at least S$300 in a single transaction.

Get a S$200 credit every 6 months for wine purchases on Wine Portal when you spend at least S$300 in a single transaction.

Cardholders can also get up to 50% off dining through the Love Dining program. While this also sounds like a great deal to get a “50% discount” on dining, it’s not as straightforward and comes with the following quirks and limitations:

1. Only particpating restaurants in Singapore are eligible.
2. Discount depends on party size:
   • 1 pax: 15% off
   • 2 pax: 50% off
   • 3 pax: 35% off
   • 4 pax: 25% off
   • 5+ pax: 20% off
3. Discount applicable to food only (no drinks) and each person must order at least 1 qualifying food item.
4. Discount excludes taxes/fees. At some restaurants, you’ll even pay the full taxes/fees on the pre-discounted bill.
5. Discount cannot be applied to the restaurants’ in-house promos.
6. Advance reservations required at some restaurants.

Earn just 0.63 mpd on other spending, even on foreign currency spending which comes with a hefty 3.25% FX fee.

Also, as compared to Visa and Mastercard, it can be harder to find merchants that accept AMEX cards outside the United States.

The AMEX Platinum Credit Card sells “lifestyle” benefits that are worded to sound better than they really are, and cardholders will spend an imense amount of effort to utilize them.

The “up to 50%” Love Dining benefit is only useful when dining as a pair and when choosing “qualifying food items”. After adding taxes, service charges and drinks, your true dining discount will be far less. On top of that, you’ll also lose out on in-house dining promos and superior earn rates on better Dining credit cards.

The statement credits for dining, wine and flights are also not easy to use as you’d need to keep track of the enrolment and redemption periods/steps, as well as the minimum spending requirements and looking for “participating merchants”.

Aside from spending at limited 10Xcelerator merchants, the AMEX Platinum Charge Card awards one of the worst earn rates in Singapore (0.63 mpd). There are many good Miles credit cards with a 4 mpd earn rate, spend with those instead.

This card tries to justify its hefty, non-waivable annual fee with “lifestyle” gimmicks that you’d spend the entire year chasing. It offers little more than a prepaid coupon book, I’d stay far away from it.

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💸 Annual fee
S$1,744
(no waiver)

💼 Income requirement
Not stated (usually S$30,000)

🤑 Foreign currency fee
3.25%

⏰ Miles expiry
Miles/Points earned on this card never expire

🫱‍🫲 Transfer partners
KrisFlyer, Asia Miles, Infinity MileageLands, BA Club and more

💯 Transfer ratio
2 points = 1 mile

🧮 Transfer block
500 points (250 miles)

💲 Transfer fee
None

🤗 Points pooling
Points from this card cannot be combined with those from other AMEX cards and can only be transferred out separately.

❓How/When are miles credited
Miles/points are credited immediately when the transactions are posted.

📜 Terms & conditions