{"id":84971,"date":"2026-03-31T18:29:24","date_gmt":"2026-03-31T10:29:24","guid":{"rendered":"https:\/\/www.you.co\/sg\/?p=84971"},"modified":"2026-03-31T19:15:44","modified_gmt":"2026-03-31T11:15:44","slug":"amex-platinum-singapore","status":"publish","type":"post","link":"https:\/\/www.you.co\/sg\/blog\/amex-platinum-singapore\/","title":{"rendered":"AMEX Platinum Singapore: Charge Card vs Reserve vs Credit Card (2026)"},"content":{"rendered":"\n

The AMEX Platinum isn’t a single card \u2014 it’s a family of three distinct products, each targeting a different tier of cardholder.<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h2>\n\n\n\n
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 Whether you’re eyeing the flagship Charge Card at S$1,744 a year, the mid-tier Platinum Reserve at S$545, or the accessible Platinum Credit Card at S$327, understanding what you actually get \u2014 and whether any of them justify the cost \u2014 is the real question most Singaporeans are asking in 2026.<\/p>\n\n\n\n

This is the complete guide to the full AMEX Platinum lineup in Singapore: every card, every benefit, income requirements, KrisFlyer miles, and whether it’s worth it compared to your alternatives.<\/p>\n\n\n\n

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\ud83d\udc9c Stay Up To Date:<\/strong><\/p>\n\n\n\n

\u2013 Indonesia ATM Withdrawal Guide: Fees, Locations, Exchange Rates (2026)<\/a>
\u2013 13 Best Things To Do In Da Nang, Vietnam (2026 Guide)<\/a>
\u2013 33 Things to Do in Kyoto, Japan: Top Attractions, Food & Travel Tips<\/a><\/p>\n\n\n\n

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\u26a1 AMEX Platinum Cards: Quick Comparison<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h2>\n\n\n\n
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Features<\/strong><\/th>Charge Card<\/strong><\/th>Reserve<\/strong><\/th>Credit Card<\/strong><\/th><\/tr><\/thead>
Annual fee<\/strong><\/td>S$1,744<\/td>S$545<\/td>S$327<\/td><\/tr>
Card type<\/strong><\/td>Charge card<\/td>Credit card<\/td>Credit card<\/td><\/tr>
Est. min. income<\/strong><\/td>~S$200,000 p.a.<\/td>~S$150,000 p.a.<\/td>~S$30,000 p.a.<\/td><\/tr>
Lounge access<\/strong><\/td>\u2713 1,550+ lounges<\/td>\u2717<\/td>\u2717<\/td><\/tr>
Annual hotel night<\/strong><\/td>\u2713 Plat Stay<\/td>\u2713 Frasers property<\/td>\u2717<\/td><\/tr>
Love Dining (50% off)<\/strong><\/td>\u2713<\/td>\u2713<\/td>\u2713<\/td><\/tr>
Table for Two dining<\/strong><\/td>\u2713 Up to 6\u00d7\/year<\/td>\u2717<\/td>\u2717<\/td><\/tr>
Tower Club access<\/strong><\/td>\u2713<\/td>\u2713<\/td>\u2717<\/td><\/tr>
Fashion & Dining Credit<\/strong><\/td>\u2717<\/td>\u2717<\/td>S$200<\/td><\/tr>
KrisFlyer transfer fee<\/strong><\/td>Standard<\/td>Standard<\/td>Permanently waived<\/td><\/tr>
FX fee (overseas)<\/strong><\/td>3.25%<\/td>3.25%<\/td>3.25%<\/td><\/tr>
Base earn rate<\/strong><\/td>~0.63 mpd<\/td>~0.44 mpd<\/td>~0.44 mpd<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n
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Note:<\/strong> AMEX no longer publishes fixed income figures. All thresholds are community-sourced estimates; approval is subject to AMEX’s internal assessment.<\/p>\n\n\n\n

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\u2708\ufe0f Travelling abroad?<\/strong> All three AMEX Platinum cards charge a 3.25% foreign transaction fee on overseas spending. Consider a multi-currency card like YouTrip<\/a> for zero FX fees, which eliminates that cost entirely \u2014 no annual fee, no markup.<\/p>\n<\/blockquote>\n\n\n\n

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\ud83d\udcda Table of Contents:<\/strong><\/h2>\n\n\n\n
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  1. AMEX Platinum Cards: Quick Comparison<\/strong><\/a><\/li>\n\n\n\n
  2. AMEX Platinum Charge Card<\/strong><\/a><\/li>\n\n\n\n
  3. AMEX Platinum Reserve Credit Card<\/strong><\/a><\/li>\n\n\n\n
  4. AMEX Platinum Credit Card<\/strong><\/a><\/li>\n\n\n\n
  5. AMEX Platinum & KrisFlyer Miles<\/strong><\/a><\/li>\n\n\n\n
  6. Minimum Income Requirements<\/strong><\/a><\/li>\n\n\n\n
  7. What Are 30,000 AMEX Points Worth?<\/strong><\/a><\/li>\n\n\n\n
  8. Which AMEX Platinum Card Should You Get?<\/strong><\/a><\/li>\n\n\n\n
  9. FAQ<\/strong><\/a><\/li>\n<\/ol>\n\n\n\n
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    AMEX Platinum Charge Card<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h2>\n\n\n\n
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    \"amex<\/figure>\n<\/div>\n\n\n

    Image credits: American Express<\/em><\/p>\n\n\n\n

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    Feature<\/strong><\/th>Details<\/strong><\/th><\/tr><\/thead>
    Annual fee<\/strong><\/td>S$1,744 (incl. 9% GST) \u2014 no waiver<\/td><\/tr>
    Card type<\/strong><\/td>Charge card \u2014 full monthly repayment required<\/td><\/tr>
    Est. min. income<\/strong><\/td>~S$200,000 p.a.<\/td><\/tr>
    Base earn rate<\/strong><\/td>~0.63 mpd (general spend)<\/td><\/tr>
    SQ\/Scoot earn rate<\/strong><\/td>~1.56 mpd<\/td><\/tr>
    FX fee<\/strong><\/td>3.25%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n
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    The Platinum Charge Card is a benefits card first, miles card second. At S$1,744 a year, its value hinges entirely on how much of the experiential package you actually use: <\/p>\n\n\n\n