HighlightsCredit Card Feature
Things We LikeEarn 20 Membership Rewards points per $1.60 spent at Amex Platinum EXTRA Partners
Our Least FavouriteThis is a by-invitation-only charge card
Our VerdictHigh annual fee and minimum annual income requirement

The American Express® Platinum Card is probably the best known American Express card worldwide, with the possible exception of the legendary Centurion® Card. This elite charge card has similar platinum benefits to those you get with The American Express® Platinum Credit Card, but adds some solid money-saving lifestyle and travel perks.

In Singapore, (unlike the US) this card is granted on an invitation-only basis, though you can express interest if you think this is the card for you. If you have a high income and are interested in taking advantage of this exclusive card, read this Amex Platinum Charge Card review to find out how The American Express® Platinum Card can help you to get the best perks for your lifestyle.


Credit CardFeaturesIntro Interest p.a.Standard Interest p.a.Annual FeeMinimum IncomeWe least likeRelated links
The American Express<sup>®</sup> Platinum Card

The American Express® Platinum Card

  • EXTRA from Membership Rewards Earn a total of 20 Membership Rewards points* for every S$1.60 spent, up to a maximum spend of S$16,000. For all spend in excess of S$16,000, you continue to enjoy a total of 10 Membership Rewards points for every S$1.60 charged to your Card.
  • Love Dining @ Hotels offers you exceptional year-round privileges and savings of up to 50% at selected 5 star hotels around Singapore.
  • Enjoy Love Dining @ Restaurants privileges which offers up to 50% savings of food orders at a handpicked selection of popular restaurants.
  • Bring out your inner glow with complimentary* vouchers and savings at spas, gyms and yoga studios all across Singapore: Over S$900* worth of spa vouchers from Adeva Spa, Spa Rael and The Ultimate Up to 50%* savings on à la carte spa services at Adeva Spa, Spa Rael and The Ultimate.
Not ApplicableNot ApplicableN/ABy invitation only
We least like
  • Eligibility is available through invitation only.

Things We Like About The American Express® Platinum Card

Earn 20 points per $1.60 in purchases at Platinum EXTRA Partner outlets. Partners cover lifestyle, dining, fashion, wine, electronics and many more categories. You earn these accelerated points for the first $16,000 (200,000 points) that you spend at EXTRA partners. After that you earn the same 10 points per $1.60 which you get with The American Express® Platinum Credit Card. Think of these 20 points per $1.60 as a welcome offer.

Double your points. You can earn 2 points for every $1.60 spent on other purchases. Your family members who use supplementary cards will also earn points at the same rate (2 points for every $1.60) and all the points will be credited to your card account.

Love Dining @ Restaurants privileges. With this card you get up to 50% savings on Love Dining @ Hotels privileges and food orders at select restaurants. Receive up to 50% savings when you dine at some of the finest hotels in Singapore.

Love Dining @ Hotels programme. Receive a The Far Card Classic Membership for free. This membership is worth $425, and offers accommodation experiences as well savings on up to 50% on dining for the whole year. This membership also gives you access to special savings for an unlimited amount of visits at your pick of restaurants at selected hotels.

Points never expire. The points you earn don't expire and you can redeem them for a huge selection of rewards, anytime you want! This is a great perk because rewards points you earn on many other credit cards are only valid for a limited period of time, usually 2 years. Amex has more than 300 items that you can redeem for, so you will probably find something you like. However, you might get better value if you redeem points for vouchers or travel.

Complimentary airport lounge access. This is a rare benefit indeed. You will get complimentary access to more than 800 airport lounges in more than 100 countries around the world. This card provides you with access to any of the Priority PassTM programme lounges, American Express lounges, and Delta Sky Club lounges. Priority PassTM lounge access also applies to 1 supplementary card holder. That's a lot of choices, so you should find an eligible lounge in most major airports!

Enjoy privileges in first or business class. You will enjoy preferential rates when you travel in first and business class on participating airlines. Your flight companion can also enjoy the same rates if you purchase the tickets through the Platinum Travel Concierge.

Platinum Hotel Programme. You will receive special treatment at a selection of prestigious hotels and resorts around the world. You can use this card to enrol in the loyalty programmes of partner hotels and enjoy the elite status.

Some of the elite hotel programmes include:

  • Starwood Hotels and Resorts (Gold status)
  • Carlson Rezidor Hotels (Club CarlsonSM - Gold Elite status)
  • Accor - Le Club Accorhotels (Platinum status)

You will also receive privileges and preferred rates at these hotels:

  • Over 520 hotels in the Small Luxury Hotels of the World Programme
  • over 750 of the world's great hotels and resorts with FINE HOTELS & RESORTS Programme
  • 100 original members of Design HotelsTM

Enjoy exclusive Hertz car rental privileges. Take advantage of the benefits of the Gold Plus Rewards loyalty programme by Hertz (a global car rental service). You will be automatically enrolled in the program, and can earn Hertz rewards points when you rent cars at over 8500 participating locations across 150 countries. This programme lets you get discounts on published rates for car rentals, fee waiver for an additional driver and several other privileges. If you use Hertz car rentals, then this saves you the trouble of signing up for the program.

Get discounts on luxury cruises. You will receive a wide range of benefits for luxury cruises, such as onboard credits, and a champagne toast with the captain and crew.

Complimentary travel insurance. When you charge the full fare of the travel tickets to this card, you will enjoy complimentary travel accident insurance coverage of up to $1 million. You will also enjoy travel inconvenience insurance that covers missed flight connection, delay in or loss of luggage. This card has some of the most comprehensive complimentary travel insurance coverage available on a Singapore payment card.

Travel insurance you get when you pay bookings with The American Express® Platinum Card:

  • Transport to medical facilities and transport home after hospitalization.
  • Baggage delay of 4 hours or more: Up to $400 ($800 per family). Extended baggage delay of 48 hours or more: Up to $400 ($800 per family).
  • Up to $400 (up to $800 per family) for flight delays over 4 consecutive hours.
  • Trip interruption/cancellation: Up to $10,000.
  • Emergency medical benefits: Up to $1 million (Emergency dental: Up to $4,000).
  • Up to $1 million of travel accident insurance for you, your spouse and dependent children over 16 years old. Up to $100,000 for dependent children under 16 years old.

Complimentary access to Tower Club. You will get access to the elite, members-only Tower Club Singapore, located on the penthouse floors of Republic Plaza. You will enjoy privileges, such as the use of all dining and conference facilities, as well as invitations to all club events and activities.

Savings on chartered yachts. You will get access to two state of the art, luxury yachts: Art Lagoon 400 Catamarans ARGON and XENON. You can get up to 30% savings on charter rates, plus complimentary Champagne and Prosecco and other benefits.

By-invitation-only events. You will be invited to a number of special events, ranging from fashion, sports, cultural events, to gourmet and shopping events, in Singapore and around the world. These events are created for Platinum customers and only open to invited guests.

Platinum Golf privileges. You will enjoy complimentary green fees and exclusive access to over 40 clubs in Singapore, the Philippines, Malaysia, Indonesia and Thailand. Supplementary card members will also enjoy these golfing privileges!

Complimentary Preferred Golf Programme membership. This programme boasts over 85 world-renowned golf resorts, such as The K-Club in Ireland, The Gleneagles Hotel in Scotland and many other locations.

Exclusive dining privileges. When you successfully apply for this card, you will automatically receive The Far Card Gourmet Membership (worth $598 inclusive of GST). This programme lets you enjoy up to 50% discounts on dining at selected restaurants and 15% savings on beverages at some of Singapore's trendiest bars. You will also get up to 35% discounts in Thailand and Japan, when you dine at Swissôtel Nai Lert Park, Bangkok and Swissôtel Nankai Osaka.

American Express Selects® privileges. You will enjoy exclusive shopping, dining and entertainment privileges by American Express Selects®. This include offers, deals and discounts at many popular shopping, dining and nightlife locations.

Enjoy spa privileges. This card also gives you spa privileges, such as vouchers to offset payments and discounted rates for treatments. These privileges are available at Adeva Spa, Spa Rael and The Ultimate and some other high-end spas.

Travel and lifestyle concierge services. Through the Platinum Travel Concierge you will have a dedicated team to assist you with all your travel arrangements, including recommendations for accommodation, places to go and what to do in your travel destination. And for your lifestyle needs, the Platinum Concierge Desk will tend to every request that you make. Both concierge services are available 24/7.

American Express Global Assist. If you need medical or legal assistance during your trip, you can receive assistance via phone or online from American Express Global Assist. The service is free and available 24/7!

Our Least Favourite Things About The American Express® Platinum Card

High minimum annual income requirement. To apply for this card, you need to make at least $175,000 per year. That may not be as high as the income requirements of some other invitation-only cards, but this certainly is an exclusive card that's out of reach for most people. Application is by invitation only, so even you make that much, you need to register your interest. The decision to invite you to be a card member will be up to American Express.

High annual fee. You will have to cough up a pretty penny to enjoy the benefits and prestige of this exclusive card. If you prefer a more affordable option, you could consider The American Express® Platinum Credit Card, which has many of the same perks (although that card lacks top benefits like unlimited complimentary lounge access).

The American Express® Platinum Card is card that gives you a range of benefits that covers travel, dining, lifestyle, golf and other areas. It also lets you start off earning 20X points per $1.60 in purchases at selected partner merchants. That is the highest rate I've seen on an Amex card, although it does go down to 10 points per dollar after you reach the spending cap. The invitation-only events, savings on chartered yacht services, Tower Club membership, and Platinum golf automatically put you into exclusive circles.

But unlike The American Express® Platinum Reserve Credit Card, which gives you very few extra benefits compared to the affordable The American Express® Platinum Credit Card, you really do get top benefits with The American Express® Platinum Card, and not just added prestige.

If you don't care about status symbols and don't spend enough on airport lounges, golf and other memberships to justify the high annual fees, consider The American Express® Platinum Credit Card which gives you many of the same platinum privileges (including Platinum Dining, Platinum Wellness, and Platinum Entertainment).

The annual income requirement for that is $50,000, much lower than the $175,000 required to get . It also lets you earn 10 points for every $1.60 you spend at Platinum EXTRA Partners, and 2 points for every $1.60 you spend elsewhere. In my opinion, The American Express® Platinum Credit Card strikes a good balance between exclusive privileges and affordability.