Singapore American Express Personal Gold Credit Card

The Singapore American Express Personal Gold Credit Card
The only Amex Credit Card to give Cash Back for every dollar spent. The cash back is tiered according to the amount spent.

This card does qualify for Membership Rewards (MR) Program and also Frequent Flyer (FF) programs, same terms as the Personal Blue Credit Card

Cash Back Tier

• S$1 to S$5,000 - 0.5% p.a.
• >S$5,000 to S$10,000 - 1% p.a.
• >S$10,000 - 2% p.a.

Additionally

• S$75 is given in cash back when spending exceeds S$10k.
• A Maximum Cash Back of S$1,000 p.a.
• Cash Back Rebates are ONLY paid 2-months after the Credit Card is renewed for another year

If the credit card is cancelled for any reason, you will not get the cash back rebates for that year, or the previous year if cancellation was within the TWO months from annual card renewal.

Cost of owning the Amex Singapore Gold Personal Credit Card...

Main Card Holder
S$160 per year for main card holder, 1st year free
21-years old
S$48k for Singaporeans, S$60k for Expatriates

Supplementary Card Holder
S$80 per year for supplementary card member, 1st year free
18-years old

To apply
Photocopy of NRIC, Employment Pass and Passport
IR8A, Tax Notice of Returns, CPF Statements for 1-year
Online Appilcation is possible

BENEFITS

1. Express Cash
   Emergency Cash at 204,000 ATM machines worldwide
   Withdraw up to 20% of Credit Limit in Cash
   Up to US$500 cash or Amex Travellers Cheques domestic, subject to available balance
   Up to US$1000 cash or Amex Travellers Cheques overseas, subject to available balance
   Every 14-days
2. Comprehensive Insurance Services
   Wide range of insurance products from reputable companies for Singapore Residents
   - Life
   - Medical
   - Accident
   - Home Contents
   - Motor and Travel
   Protecting you and your family against the unexpected
3. Detailed Monthly Statements
   Level of details unmatched by any other credit card issuer
   Spending by Supplementary Card members are itenised on main card holder statement
4. Personal Financial Services (Amex Bank now serviced by Standard Chartered Bank) - Deposit
   - Multi-currency Checking Accounts in 15 major and regional currencies
   - Foreign Currency Term Deposits
   - Singapore Dollar Term Deposits
   - Investment
   - Portfolio of Mutual Funds across various assets classes
   - Lending
   - Lines of Credit up to S$50,000, unsecured overdrafts
   - Guaranteed Overdraft Facility
   Products to meet your every needs. Phone Banking service, 24-hour banking by mail or phone
5. Easy Payment Methods
   Interbank Giro
   Cheque
   Payment Collection Box
   - Payment received by 5-pm will be credited on same day
   Payment Overseas
   - Make advanced payment
   - Forward your statements
   - Ask bank, solicitor or family member to pay your bills
   - Pay an estimated amount based on
   - Charge Receipts
   - Contact nearest Amex Travel Office

Singapore American Express Personal Blue Credit Card

The Singapore American Express Personal Blue Credit Card

• S$10 to Enrol in Membership Rewards (MR) Program
• S$40 to Enrol in Membership Rewards (MR) Program with Frequent Flyer (FF)
• ProgramDouble Points for life for every S$1.60 spent

If the credit card is cancelled for any reason, you have 30-days to redeem all your points.

Cost of owning the Amex Singapore Blue Personal Credit Card...

Main Card Holder

• S$60 per year for main card holder, 1st year free
• 21-years old
• S$30k for Singaporeans, S$60k for Expatriates

Supplementary Card Holder

• S$30 per year for supplementary card member, 1st year free
• 18-years old

To apply

• Photocopy of NRIC, Employment Pass and Passport
• IR8A, Tax Notice of Returns, CPF Statements for 1-year
• Online Appilcation is possible

Points Accumulation

• Membership Rewards (MR) Program is S$10 per year. If the money is not spent, points will not accumulate in your account. MR points do not expire as long as the card does not expire and the S$10 is paid to Amex every year.
• Traveller Option is S$40 per year. If the money is not spent, MR points cannot accumulate, and the accumulated MR points cannot be converted to KrisFlyer Miles (KFM)
• Only one of the options above need to be chosen.

2 MR Points for every S$1.60 spent, if enrolled in MR program, else no points accrued
8 MR points to get 5 KFM, if enrolled in KF Program, else cannot convert MR points to KFM

Spending at Amex Selects Shops, every S$1.60 spent accumulates 5 MR points
In Singapore that is a lot of shops

American Express Credit Cards in Singapore

1. There are various types of American Express Credit Cards available in Singapore:
   For all the cards there are some points common to all the cards, and they are:
   Double MR Points for Life for every S$1.60 spent
2. Earn 5x Membership Rewards (MR) points at Amex Selects Members through out Singapore
3. Balance Transfer for 6-months at a Special Interest Rate of 8.88% per annum
4. Eligibility is minimum S$30k for Singaporeans and S$60k for Expatriates

• Photocopy of NRIC, Employment Pass, Passport, etc
• IR8A, Tax Return, CPF Statements for one-year