American Express Platinum Card

Name: American Express Platinum Card
Brand: American Express
Price: 1744 SGD
Availability: InStock
Rating: 4.5 (1 reviews)

4.5

WalletWalk Rating

Best for luxury travel enthusiasts

Last updated: 05-Oct-2025

Overview

The American Express Platinum Card represents the pinnacle of premium charge cards with over S$8,000 in membership benefits annually. Earn up to 10 Membership Rewards points per S$1.60 spent at Platinum 10Xcelerator partners and enjoy unlimited access to 1,400+ airport lounges worldwide. Designed for affluent travelers and lifestyle enthusiasts seeking unparalleled privileges and recognition globally. Join over 50,000 cardholders in Singapore who maximize their luxury travel and lifestyle experiences.

Pros

↑Unlimited airport lounge access globally
↑S$8,000+ annual benefits value
↑Complimentary hotel night stays

Cons

↓Very high annual fee
↓It is a charge card, not a credit card
↓Points transfer ratio can be complex

Key Highlights

Reward Rate
Up to 10X points
10 points per S$1.60 at partners
5 points on SIA/Scoot
2 points on other spending

Minimum Salary
S$120,000 annually
No preset limit above S$120,000
4X monthly income below S$120,000
Internal assessment applies

Annual Fee
S$1,744 (incl. GST)
No waiver available
Charged annually
First 2 supplementary free

Why Choose?
Ultimate luxury benefits
S$8,000+ annual benefits
1,400+ lounges access
Premium hotel benefits

Key Benefits

Dining

▼

S$400 Global Dining Credit annually
Love Dining up to 50% off
Fine Hotels dining benefits

Lifestyle

★5.0

▼

Tower Club access included
Fashion Credit S$150 annually
NET-A-PORTER benefits

Milestone

★4.5

▼

S$8,000 spend bonus
Referral rewards 100,000 points
Annual benefits unlocked

Premium

★5.0

▼

Centurion Network access
Platinum Concierge 24/7
Ultra-premium positioning

Reward Points

★4.5

▼

Up to 10X earning
Points never expire
Flexible redemption options

Shopping

★4.5

▼

10X at partners
Fashion Credit benefits
Luxury brand access

Merchant Offers

▼

Fine Hotels + Resorts
Platinum 10Xcelerator partners
Global merchant network

Travel

★5.0

▼

1,400+ lounges globally
S$200 airline credit
Hotel elite status

Airport Lounge Access

▼

Unlimited Centurion lounges
Priority Pass unlimited
Plaza Premium access
1,400+ lounges total

Liability Protection

▼

Zero fraud liability
Purchase protection S$20,000
Return guarantee included

Insurance

▼

Trave insurance S$1M
Medical coverage overseas
Trip cancellation benefits

Detailed Information

Annual Fee	S$1,744 (incl. 9% GST)
Monthly Percentage Rate	2.24%
Annual Percentage Rate	26.90%
Minimum Monthly Payment	Full payment required
Foreign Currency Markup	3.25%
Late Payment Charges	S$100 (incl. 9% GST)
Overlimit Charges	S$40 (incl. 9% GST)
Cash Advance Fee	5% or S$15, whichever higher
Fee For Supplementary Card	0
Card Replacement Fee	S$18 (incl. 9% GST)
Fee For Duplicate Statement	S$10 per statement

Identity Proof	NRIC (Citizens/PRs) Passport (Foreigners) Employment Pass
Address Proof	Latest utility bill Bank statement Tenancy agreement
Income Proof Salaried	Latest 3 months payslips Latest Income Tax Notice CPF Contribution History
Income Proof Self Employed	Latest 2 years Income Tax Latest 6 months bank statements Company financial statements

American Express Platinum Card

Age Requirement Salaried	21 years and above
Age Requirement Self Employed	21 years and above
Minimum Annual Income Salaried	S$120,000
Minimum Annual Income Self Employed	S$120,000

Age Requirement Salaried	21 years and above
Age Requirement Self Employed	21 years and above
Minimum Annual Income Salaried	S$120,000
Minimum Annual Income Self Employed	S$120,000

American Express Platinum Card

Overview

Pros

Cons

Key Highlights

Key Benefits

Detailed Information

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