Great Deals: Save up to 30% on hotel stays with these new AMEX card offers

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 1.1 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