AMEX Platinum Credit Card Review: A Taste of a Platinum Lifestyle

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Amex Platinum Credit Card Review

Eating is a necessity but dining is an experience. If you agree with this sentence, say “aye”. If you echoed “aye”, then this review will be a delight to read as well as plan your next dinner!

The American Express Platinum Credit Card caters specifically to sophisticated taste palettes, such as the fancies of Michelin star chefs and restaurant goers. For those wanting that extra oomph in their lives, this card comes packed with exclusive dining and lifestyle benefits that appear to be irresistible.

Are you ready to live better for less?

Amex Platinum Credit Card Highlights

American Express Platinum Credit Card
Principal card annual fees S$321 inclusive of GST
Supplementary card annual fee S$160.50 each (inclusive of GST)

First 2 supplementary cards permanently waived

Minimum income S$50,000 (Singaporean or PR) / S$60,000 (Foreigner)
Interest-free period 22 days
Interest rate per annum 25.90%; or 29.99% p.a. in the event of multiple defaults or unpaid bills
Minimum monthly payment 3% or S$50 (whichever is greater)
Cash advance fee 5%
Foreign currency transaction fee 2.5%
Dynamic currency conversion fee N.A.
Stolen card liability S$100
Late payment fee S$90 per month

Wine and dine benefits of the Amex Platinum Credit Card

Love Dining @ Hotels

AMEX Platinum Credit Card

Under this programme, your meals at participating 5-star hotels in Singapore will be discounted up to 50%.

Owning this credit card also means you will own The Far Card Classic Membership. A membership that will cost an average Joe S$425 nett to own, you get for free because as a Platinum cardholder, you’re no average Joe, are you?

With the Far Card Classic Membership, you will enjoy discounts of up to 50% not just at any hotels but some of the finest in Singapore including:

  • Swissôtel The Stamford Singapore
  • Fairmont Singapore
  • Swissôtel Merchant Court
  • Conrad Centennial Singapore
  • Four Seasons Hotel Singapore
  • Singapore Marriott Tang Plaza Hotel
  • The St. Regis Singapore
  • W Singapore – Sentosa Cove

Don’t miss this: There is no limit on the number of times you can get discounts on your meals at these establishments.

Love Dining @ Restaurants

Similar to the hotel dining benefits, under this programme too you are entitled to discounts of up to 50% at restaurants on the island. Some of the popular dining choices include Escape Restaurant & Lounge, Masons, and Sen Of Japan to name a few.

Didn’t miss the up to 50% did ya? Here’s what you need to know about the “up to” offer on your dining deals:

AMEX Platinum Credit Card

Source: Love Dining by Platinum

Michelin Guide – A taste for the likes of the Gordon Ramsays of Singapore

The card seems to do justice to what it claims to offer – “Singapore’s Ultimate Dining Programme”. And why is that, you wonder? The dining perks offered are like an infinity pool, it doesn’t seem to end. The American Express Platinum Credit Card is the official card partner for the Michelin Guide in Singapore.

So, what does this entitle you to?

Well, you will not only enjoy the most exclusive privileges this card has to offer but also be invited to dinners prepared by Michelin-starred chefs.

Hungry overseas? Looking for recommendations?

What are you in the mood for? A secret getaway? A romantic dinner for two? Or a late night dinner? Would you rather eat your dinner at a cellar instead? Or simply try all the current as well as up and coming spots?

All of the above? We were hoping you’d say that.

With this AMEX Platinum Credit Card, you can check all of the above boxes. Whatever you’re in the mood for, this card will recommend places that best suits your hunger mood under the American Express Global Dining Programme and American Express Selects.

Food makes everything great right? Couple that with the right lifestyle choices and together they make everything even better.

Not hungry at the moment? How about something to get you relaxed instead?

American Express Platinum Credit Card

We’re barely beginning to scratch the surface of the card here. It is so much more than food. Under the Platinum Wellness programme, your card also gets you privileges at popular spas in Singapore. To what end?

  • Spa vouchers at RN Spa, Spa Rael, The Ultimate, and Adeva Spa.
  • Discounts of up to 40% at The Ultimate and Adeva Spa.
  • 15 additional minutes per 60 minutes of treatment OR an exclusive treatment package for S$220 (plus taxes) at Auriga Spa.
  • Discounts of up to 15% on a la carte treatments at Spa & Sport at Swissôtel Merchant Court and Willow Stream Spa at Fairmont Singapore.

Prefer relaxing under the sun on the golf course? No problem.

AMEX Platinum Credit Card

This card also offers Platinum Golf privileges. You will be entitled to complimentary green fees when you go golfing with a buddy on weekdays and two buddies on weekends. Your buddy has to pay though. They can’t have all the fun if they don’t own this card – fair point, right? Since a picture speaks a thousand words, let this picture save you hundreds of dollars.

AMEX Platinum Credit Card

Source: American Express website

How about a complimentary beverage?

Unwind at some of the best watering holes in Singapore such as Anti:Dote, The Mad Men Attic Bar, and more thanks to Chillax! by American Express Platinum. And while you unwind, you also get to enjoy complimentary drinks and 1-for-1 promotional offers!

Or maybe you want to always stay connected

Courtesy of your AMEX Platinum Card, you get to enjoy complimentary wifi with Boingo. With the Boingo app, you are always connected thanks to its network of hotspots worldwide. Register here.

Read: What Are Your Best Options for Data Roaming From Singapore

10X Membership Rewards points at select retailers

Apart from such tempting offers on dining, wellness, and golf, you will also be rewarded under the Membership Rewards Programme. Every S$1.60 that you spend on this card will earn you 2 Membership Rewards points.

But, if you spend the same S$1.60 at EXTRA Partners such as Watches of Switzerland, L’Atelier, Moschino, Lee Hwa Jewellery, and Flutes Restaurant.Bar to name a few, you will earn 10 Membership Rewards points.

AMEX Platinum Credit Card

Source: American Express website

Your Citi Rewards Card 10X points aren’t going to work at these watch and jewellery boutiques, but your AMEX Platinum Credit Card will be great!

Reward points need-to-knows

First, your membership points do not expire, so you can collect your points and redeem them for a voucher you have probably always been waiting for!

Second, unlike an AMEX KrisFlyer Credit Card, you can convert your points to miles of several airlines including Singapore Airlines, Cathay Pacific, British Airways, Malaysia Airlines, Thai Airways, Emirates, and more. The conversion is based on 450 Membership Rewards points = 250 air miles. That works out to be around 0.69 miles/dollar, or 3.47 miles at select partners.

Also, if you enrol for the Frequent Traveller programme, the participation fees of S$40 is perpetually waived.

Related: Guide to the Best Miles Credit Cards in Singapore + When to Use Which Cards

If you aren’t too keen to convert your points to miles, you can also redeem points for gift vouchers, travel accessories, shopping, and more.

Security blanket on your purchases – No Worries Guarantee

After making a purchase using this card, if you are not satisfied with it, you can return it. You can be refunded up to S$800 per returned item with the “90-days return guarantee”.

That’s 3 months to make up your mind. And even better – if the store doesn’t accept your return, you can still return it under this guarantee.

Also, this card automatically insures your purchases against theft and accidental damages for 90 days. You will be covered for up to S$10,000 per incident under the “90-days purchase protection”.

Remember this: The No Worries Guarantee is applicable for purchases made in Singapore only.

Final thoughts on the American Express Platinum Credit Card

AMEX Platinum Credit Card

It would be safe to say that fine dining, golfing, and spa trips might not be an everyday occurrence for most Singaporeans. Luckily, the Membership Rewards points never expire, hence you don’t have to worry if you’re only using your card occasionally.

The discounts and 10X points at selected merchants are usually not offered by other credit cards, so the Amex Platinum Credit Card works as a perfect complement to your other cards.

Your purchases are also protected with the No Worries Guarantee for a hassle-free shopping experience. And of course, you’ll get to enjoy the best perk of being an Amex customer – the customer service!

Looking for more? Check these out:

 

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