Overview
Key Highlights
Reward Rate
2 RP / S$1.60 on spends
- 2 Membership RP / S$1.60 on all spends (no cap)
Annual Fee
S$122.24

Last updated: 19-Sept-2025
The American Express Personal Card is a charge card designed for those who love earning Membership Rewards points that never expire, along with premium security and travel benefits.
| Annual Fee | S$122.24 |
|---|---|
| Minimum Monthly Payment | 3% or S$50, whichever is higher |
| Foreign Currency Markup | 3.25% |
| Late Payment Charges | 2.5% / month of any overdue previous balance or S$100 / month (whichever is greater) |
| Cash Advance Fee | Handling fee of 5% of your withdrawal amount will apply for each withdrawal mount |
| Fee For Supplementary Card | S$76.40 |
| Fee For Duplicate Statement | S$1.09/ month for paper version |