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American Express Credit Card
Exclusive rewards & premium privileges
Membership Rewards Programme
Earn points on eligible purchases and redeem them for travel, merchandise, gift cards, or other rewards, depending on the card selected. Many cards offer flexible redemption options.
Travel Privileges
Access travel-related benefits such as airport lounge entry, insurance coverage, and priority services designed for frequent travellers seeking added convenience.
Dedicated Premium Support
Receive 24/7 customer assistance, concierge services, and specialised support for travel and account-related needs when available under your card tier.
Purchase and Fraud Protection
Eligible purchases may be covered against theft or accidental damage, adding an extra layer of confidence when shopping with your card.
American Express credit cards are recognised for offering rewards programmes combined with premium service features. Many products participate in the Membership Rewards Programme, allowing cardholders to collect points on eligible spending. These points can typically be redeemed for flights, hotels, shopping, or other options depending on the specific card. Certain cards also include travel-related perks such as lounge access, insurance benefits, concierge services, and extended purchase protections. Features, eligibility requirements, and annual fees vary by product, so reviewing official terms and conditions before applying is essential.
What determines the interest rate?
Interest rates vary according to the specific card product and the applicant’s credit profile. Approved customers receive personalised terms based on their credit evaluation.
Is the card accepted internationally?
American Express cards are accepted in many countries worldwide. However, acceptance may vary by merchant, and foreign transaction fees could apply depending on the card terms.
Does every card include an annual fee?
No. Some entry-level cards may have no annual fee, while premium versions typically charge one in exchange for additional travel and rewards benefits.
How are reward points accumulated?
Points are earned on eligible purchases made with participating cards. Earning rates may differ depending on spending categories such as travel, dining, or everyday expenses.
What should I do if my card is lost or stolen?
Contact American Express customer service immediately to report the issue. They can block the card and arrange a replacement to help safeguard your account.
How to Apply for the American Express Credit Card
Applications can be completed online by selecting the card that best matches your financial profile and spending habits. You will need to provide personal and income information for credit evaluation. Approval is subject to eligibility criteria and creditworthiness assessment. Some cards charge annual fees depending on the level of benefits offered. Before submitting your application, carefully review interest rates, fees, reward structures, and key product information to ensure the card aligns with your expectations and financial goals.
