The American Express Platinum Card
New Platinum Cards issued from 19 October 2026 are credit cards. Earlier approved applications retain charge-card terms; existing-member rules should not be copied onto a new application.
Benefits & important limits
- New Platinum Cards issued from 19 October 2026 are credit cards. Earlier approved applications retain charge-card terms; existing-member rules should not be copied onto a new application.
- Earn Membership Rewards points with Platinum 10Xcelerator partners and redeem for travel or statement credits. Dining experiences, hotel stays and status benefits require their own reservations / enrolment and current partner terms.
- Unlimited access through the American Express Global Lounge Collection, including participating Centurion, Priority Pass and Plaza Premium locations. Enrolment and card / guest rules differ by lounge network; check the official locator for the exact card and airport.
- A complimentary night at participating hotels is available on joining and renewal, with separate booking rules. Airline credits, dining credits and hotel-status enrolments have their own use periods and participating partners.
Fees & repayments
- Principal annual fee (GST included)
- S$1,744
- Fee waiver
- Annual membership fee applies; any waiver follows the current issuer terms.
Interest, late-payment and cash-advance fees are separate from annual fees. Check the current tariff before carrying a balance.
Airport lounge access
Unlimited access through the American Express Global Lounge Collection, including participating Centurion, Priority Pass and Plaza Premium locations. Enrolment and card / guest rules differ by lounge network; check the official locator for the exact card and airport.
Participating lounge directory ↗ · Lounge programme details ↗
Eligibility & work passes
Age 21+. American Express states regulatory minimum-income requirements and internal assessment, rather than a single published salary figure for this product. Foreign applicants must provide passport, valid work pass, income and address evidence. Confirm the specific pass and salary requirement with American Express.
Principal age: 21+
Application documents ↗Overseas & FX fees
Foreign-currency purchases attract a 3.25% currency-conversion commission. Miles and cashback are earned separately and do not remove this fee. DCC uses the merchant’s conversion rate.
Pay in the merchant’s local currency when comparing network conversion. Dynamic Currency Conversion (DCC) uses the merchant’s rate; 0% issuer fees do not promise the interbank rate or remove merchant mark-ups, cash-advance charges or ATM fees.