American Express Platinum Credit Card is essentially an elite local dining and shopping card for Singapore's most affluent consumers. Cardholders earn up to 3.44 miles (6.25 pts) per S$1 spend with Platinum EXTRA Partners–primarily designer watch, jewellery, fashion & auto brands. While general spend earns just 0.69 miles (1.25 pts), which isn't very competitive, Amex Platinum ultimately stands out for its exclusive local perks–discounts at high-end spas, waived green fees across APAC, dining privileges at Singaporean bars, restaurants, hotel buffets & more. Cardholders can access the "high life" without having to travel abroad (must luxury cards favour travellers), but there is a S$321 annual fee, which does not have a waiver option. Still, affluent social spenders in Singapore may feel that the card's benefits fully validate its cost, hence, making the American Express Platinum Credit Card one of the best cashback credit cards in Singapore for affluents.

American Express Platinum Credit Card Features and Benefits

What Makes American Express Platinum Credit Card Stand Out

American Express Platinum Card is an excellent option for affluent Singaporeans seeking privileges and rewards for their social behaviour. Cardholders enjoy some of the best local perks on the market, ranging from waived green fees across Asia Pacific (with 1 paying guest on weekdays, 2 on weekends) and 40% off a la carte services at elite spas like Aveda, The Ultimate & Spa Rael to a myriad of travel and lifestyle discounts through American Express Selects.

Amex Platinum's dining perks are especially impressive. Consumers have access to up to 50% off dining at select restaurants and hotel buffets through the Love Dining programme, and complimentary drinks at upscale bars through Amex Chillax. Additionally, Amex Platinum is the official card partner for Michelin Guide Singapore, allowing cardholders to enjoy exclusive privileges and invitations to high-profile chef dinners.

Amex Platinum is best fit for affluent consumers, however. Everyday spend, both local and overseas, earns just 0.69 miles (1.25 Membership Rewards points). Fortunately, rewards earned never expire and there are no conversion fees; unfortunately, this rate is amongst the lowest on the market–most miles cards offer at least 1.2 miles per S$1 locally and 2 miles overseas. Cardholders do receive a category boost of up to 3.44 miles (6.25 pts) per S$1 for spend with Platinum EXTRA Partners in Singapore. However, this merchant list is quite limited and mostly includes designer fashion, watch, jewellery and auto brands. It's also possible to earn at a higher rate in this spend category with more affordable shopper credit cards.

Shopping Credit Card Rate & Fee Comparison

Consumers are also unlikely to benefit if they frequently travel. Cardholders earn at the base rate overseas and do not receive perks like free lounge access, limo transfers or travel membership upgrades (ie Hilton Honors Silver or KrisFlyer Elite Gold). Overall, Amex Platinum is an inherently local luxury card, even if it allows cardholders to earn rewards as miles.

Finally, Amex Platinum Card has a relatively high fee of S$321, with no waiver option. This is quite expensive, especially for a card with a relatively low rewards rate. Nonetheless, wealthy Singaporeans with a local, luxury-driven lifestyle may very well feel that this cost is validated by the card's exclusive perks.

How Does Amex Platinum Credit Card's Rewards Programme Work?

Use our quick guide below to learn how you can redeem Amex Platinum Card's rewards.

Amex Platinum Credit Card's Rewards Exclusions

The following credit card expenditures are ineligible for rewards.

How does Amex Platinum Credit Card Compare to Other Cards?

Read our comparisons of American Express Platinum Card with other cards and learn what makes each card unique in their own way. We compare and contrast each card to highlight its uniqueness to help you identify the card that you need.

Amex Platinum Card v. Maybank World MasterCard
Apply Now Foreigners Apply Now Foreigners	Annual Fee: S$240 Stand-Out: Free green fees at 100 fairways across 19 countries Read Our Full Review
Maybank World Mastercard is an excellent option for affluent Singaporeans who love to golf. Cardholders enjoy up to 2 free green fees every month at 120 fairways across 25 countries worldwide. This is the best golfing perk offered by a credit card on the market–though Amex Platinum's privileges are quite strong as well. Other perks include complimentary travel insurance and a free lounge visit with every S$1k nett shopping transaction. Maybank World is more than just a golfer card, however; consumers also receive up to 4 miles per S$1 with select dining & luxury retail merchants (general spend earns 0.4 miles per S$1). Like Amex Platinum Card, Maybank World therefore rewards affluent shoppers. However, Maybank World is far more affordable with a S$240.0 fee that's waived with just S$24k annual spend (averaging S$2k/month). Overall, Maybank World is a better option for affluent Singaporeans who love to golf abroad; Amex Platinum may be better for wealthy consumers who prioritise local dining perks.

Amex Platinum Card v. DBS Woman's World Card
Apply Now Apply Now	Annual Fee: S$194.40 Stand-Out: Get up to 10X DBS Points (or 20 miles) for online purchases, 3X DBS Point (or 6 miles) for overseas purchases and 1X DBS Point (or 2 miles) for other purchases Read Our Full Review
If you're a frequent shopper with a relatively large budget for online purchases, you may want to consider DBS Woman's World Mastercard. Cardholders earn 4 miles per S$1 spend on online shopping, up to 8k miles/month (equal to about S$80 in redemption value). General local spend earns 0.4 miles per S$1, and overseas purchases earn 1.2 miles. Just like Amex Platinum, DBS Woman's World is rather specialised–its rates and perks favour shoppers. However, DBS Woman's World is a bit more affordable and practical. Cardholders have access to a 0% interest instalment plan with no processing fee and promotional discounts with popular beauty, wellness and fashion merchants. Consumers can also avoid paying the moderate S$192.6 annual fee with S$25k annual spend (about S$2,083/month). As a result, DBS Woman's World is a better option for average consumers who frequently shop online, while Amex Platinum is better for luxury shoppers who buy in-person.

Amex Platinum Card v. Amex SIA KrisFlyer Ascend
	Annual Fee: S$337.05 Stand-Out: Elite perks inc. hotel & flight upgrades Read Our Full Review
American Express Singapore Airlines KrisFlyer Ascend Card is ideal for frequent SIA travellers looking for exclusive flight and hotel membership upgrades. Cardholders earn 1.1 miles per S$1 on general spend, 2 miles on SIA transactions and overseas in June & December, and 3.1 miles on Grab rides (up to 640 mi/month). These rates aren't particularly competitive, but Amex SIA KF Ascend does stand out by offering a unique mix of travel perks, including an automatic upgrade to Hilton Honors Silver Status, boost to KrisFlyer Elite Gold with S$15k/year online SIA spend, and rental car privileges with Hertz Gold Plus. Other perks include free travel insurance, 1 free Hilton hotel night/year and up to 4 lounge visits/year. Amex SIA KrisFlyer Ascend is very different from Amex Platinum as its benefits are almost exclusively travel-oriented, rather than local. However, both cards provide a comprehensive set of privileges not found amongst alternatives. While they have relatively low miles rates and high annual fees (S$337.05 for Amex SIA KF Ascend, S$321.00 for Amex Platinum), each is respectively valued for the privileges it delivers. Affluent consumers who frequently travel would be better off with Amex SIA KF Ascend, and those who spend most of their time in Singapore might prefer Amex Platinum.

Amex Platinum Card v. Citi Prestige Card
	Annual Fee: S$540 Stand-Out: Unlimited lounge access, bonus hotel nights & more Read Our Full Review
Citi Prestige Mastercard is the absolute best card on the market for wealthy travellers who prioritise luxury perks above all else. Cardholders enjoy some of the best benefits on the market: unlimited lounge access, free 4th hotel nights worldwide, complimentary limo transfers, room upgrades with Hotel Black status, 6 free green fees annually and travel insurance with coverage up to S$1 million. In addition to these perks, cardholders receive 25,000 annual renewal miles (worth S$350+ in redemption value) and bonus rewards of up to 30% of yearly earnings, based on Citi relationship tenure. While these perks are impressive, Citi Prestige cardholders earn just 1.3 miles per S$1 locally and 2 miles overseas. While this is substantially higher than the rates offered by Amex Platinum Card, these rates still aren't competitive amongst luxury travel cards. Citi Prestige Card is also very expensive–more so than even Amex Platinum–at S$535/year, non-waivable. Affluent consumers willing to pay a premium for luxury when they travel may feel Citi Prestige Card's privileges are worth the cost. Those who desire luxury at home would be better off with Amex Platinum Card.

Amex Platinum v. Maybank World
Apply Now Foreigners Apply Now Foreigners
Annual Fee: S$240 Stand-Out: Free green fees at 100 fairways across 19 countries Promotion: Read Our Full Review
Maybank World Mastercard is an excellent option for affluent Singaporeans who love to golf. Cardholders enjoy up to 2 free green fees every month at 120 fairways across 25 countries worldwide. This is the best golfing perk offered by a credit card on the market–though Amex Platinum's privileges are quite strong as well. Other perks include complimentary travel insurance and a free lounge visit with every S$1k nett shopping transaction. Maybank World is more than just a golfer card, however; consumers also receive up to 4 miles per S$1 with select dining & luxury retail merchants (general spend earns 0.4 miles per S$1). Like Amex Platinum Card, Maybank World therefore rewards affluent shoppers. However, Maybank World is far more affordable with a S$240.0 fee that's waived with just S$24k annual spend (averaging S$2k/month). Overall, Maybank World is a better option for affluent Singaporeans who love to golf abroad; Amex Platinum may be better for wealthy consumers who prioritise local dining perks.

Amex Platinum v. DBS Woman's World
Apply Now Apply Now
Annual Fee: S$194.40 Stand-Out: Get up to 10X DBS Points (or 20 miles) for online purchases, 3X DBS Point (or 6 miles) for overseas purchases and 1X DBS Point (or 2 miles) for other purchases Promotion: Read Our Full Review
If you're a frequent shopper with a relatively large budget for online purchases, you may want to consider DBS Woman's World Mastercard. Cardholders earn 4 miles per S$1 spend on online shopping, up to 8k miles/month (equal to about S$80 in redemption value). General local spend earns 0.4 miles per S$1, and overseas purchases earn 1.2 miles. Just like Amex Platinum, DBS Woman's World is rather specialised–its rates and perks favour shoppers. However, DBS Woman's World is a bit more affordable and practical. Cardholders have access to a 0% interest instalment plan with no processing fee and promotional discounts with popular beauty, wellness and fashion merchants. Consumers can also avoid paying the moderate S$192.6 annual fee with S$25k annual spend (about S$2,083/month). As a result, DBS Woman's World is a better option for average consumers who frequently shop online, while Amex Platinum is better for luxury shoppers who buy in-person.

Amex Platinum v. Amex SIA KF Ascend
Annual Fee: S$337.05 Stand-Out: Elite perks inc. hotel & flight upgrades Promotion: Read Our Full Review
American Express Singapore Airlines KrisFlyer Ascend Card is ideal for frequent SIA travellers looking for exclusive flight and hotel membership upgrades. Cardholders earn 1.1 miles per S$1 on general spend, 2 miles on SIA transactions and overseas in June & December, and 3.1 miles on Grab rides (up to 640 mi/month). These rates aren't particularly competitive, but Amex SIA KF Ascend does stand out by offering a unique mix of travel perks, including an automatic upgrade to Hilton Honors Silver Status, boost to KrisFlyer Elite Gold with S$15k/year online SIA spend, and rental car privileges with Hertz Gold Plus. Other perks include free travel insurance, 1 free Hilton hotel night/year and up to 4 lounge visits/year. Amex SIA KrisFlyer Ascend is very different from Amex Platinum as its benefits are almost exclusively travel-oriented, rather than local. However, both cards provide a comprehensive set of privileges not found amongst alternatives. While they have relatively low miles rates and high annual fees (S$337.05 for Amex SIA KF Ascend, S$321.00 for Amex Platinum), each is respectively valued for the privileges it delivers. Affluent consumers who frequently travel would be better off with Amex SIA KF Ascend, and those who spend most of their time in Singapore might prefer Amex Platinum.

Amex Platinum v. Citi Prestige
Annual Fee: S$540 Stand-Out: Unlimited lounge access, bonus hotel nights & more Promotion: Read Our Full Review
Citi Prestige Mastercard is the absolute best card on the market for wealthy travellers who prioritise luxury perks above all else. Cardholders enjoy some of the best benefits on the market: unlimited lounge access, free 4th hotel nights worldwide, complimentary limo transfers, room upgrades with Hotel Black status, 6 free green fees annually and travel insurance with coverage up to S$1 million. In addition to these perks, cardholders receive 25,000 annual renewal miles (worth S$350+ in redemption value) and bonus rewards of up to 30% of yearly earnings, based on Citi relationship tenure. While these perks are impressive, Citi Prestige cardholders earn just 1.3 miles per S$1 locally and 2 miles overseas. While this is substantially higher than the rates offered by Amex Platinum Card, these rates still aren't competitive amongst luxury travel cards. Citi Prestige Card is also very expensive–more so than even Amex Platinum–at S$535/year, non-waivable. Affluent consumers willing to pay a premium for luxury when they travel may feel Citi Prestige Card's privileges are worth the cost. Those who desire luxury at home would be better off with Amex Platinum Card.

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