The American Express Personal Card

Name: The American Express Personal Card
Brand: American Express
Price: 122.24 SGD
Availability: InStock

WalletWalk Rating

Best for reward points with no expiry

Last updated: 19-Sept-2025

Overview

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.

Pros

↑2 Membership Reward Points/ S$1.60 spent, with no expiry and no cap.
↑Purchase protection coverage of up to S$8,000 / item and S$80,000 / year

Cons

↓No cashback
↓No lounge access

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

Key Benefits

Dining

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2 Membership RP / S$1.60 + offset purchase with Pay with Points option

Food Delivery

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2 Membership RP / S$1.60

Grocery

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2 Membership RP / S$1.60 + RP redemption allowed with eVouchers for grocery partners

Premium

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24 / 7 Global Assist for travel emergencies + free referrals to English-speaking professionals and assistance with passport replacement, lost luggage, and more.

Reward Points

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2 Membership RP / S$1.60 on all spends

Shopping

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2 Membership RP / S$1.60 + offset purchase with Pay with Points option

Travel

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2 Membership RP / S$1.60 + offset purchase with Pay with Points option

Liability Protection

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Purchase Protection up to S$80,000 / year (S$8000/item)

Insurance

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Travel Accident Insurance up to S$200,000

Detailed Information

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

Identity Proof	Singapore Citizens and Permanent Residents: NRIC (front & back). Foreigners: Valid Passport (front and Back) and copy of Employment Pass – front and back (both need to have at least six months validity)
Address Proof	Proof of address if different from NRIC (e.g., utility bill, bank statement)
Income Proof Salaried	Singapore Citizens and Permanent Residents: Latest 3 months' pay slips or 12 months' CPF contributions. If employed for under 3 months, provide an employment letter certifying salary, dated within 3 months. Foreigners: Same as above, except no CPF contributions.
Income Proof Self Employed	Last two years Income Tax Notice of Assessment

The American Express Personal Card

Age Requirement Salaried	21+ years
Age Requirement Self Employed	21+ years

Age Requirement Salaried	21+ years
Age Requirement Self Employed	21+ years