Credit Card Compare

The American Express® Platinum Reserve Credit Card

Data last updated 23 October 2026
27.80%
Purchase rate
S$545
Annual fee
22 days
Interest-free
Application

CardIQ

50Fair

Fair

Overall score, out of 100 · How this works

  • Rewards49
  • Travel52

Customer reviews

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Pros & cons

What's good

  • The 27.8% p.a. purchase rate is among the lowest ongoing purchase rates (the median card charges 27.9% p.a.).
  • Earns 6.25 points per S$1 on ATO and government payments, where many rewards cards earn nothing.
  • Points don't expire while your account is open and in order.

Worth noting

  • S$545 inclusive of 9% GST. First two supplementary cards are fee-waived; S$163.50 (incl. GST) each for subsequent supplementary cards. No waiver mentioned. The S$545 annual fee is still toward the top of the market (the median is S$0).
  • Earns 1.25 points per S$1 on everyday spend, around the dataset average.
  • No balance transfer or introductory purchase offer.

Card details

The basics

Additional cardholder fee
S$163.50 p.a.
Card tier
Platinum
Card type
American Express
Card use
Personal
Credit limit
Not published
Credit rating
Not published
Rewards program
Membership Rewards

Eligibility

Instant approval
Not published
Joint application
Not published
Minimum age
21 years old
Minimum income
Not specified
Residency
Singapore
Temporary residents
Not published

Rates & fees

Ongoing interest rates

Cash advances
26.90% p.a.
Purchases
27.80% p.a.

Fees

Additional cardholder fee
S$163.50
Annual fee
S$545 p.a.
Cash advance fee
5% of the amount
Foreign transaction fee
3.25%
Late payment fee
S$100

Repayments

Interest-free period
Up to 22 days on purchases
Minimum repayment
3% of the outstanding balance plus the total sum of any overdue minimum payment and late payment charges, and any amount exceeding your Credit limit, or S$50, whichever is greater

Balance transfers

This card has no promotional balance transfer offer. To move existing debt to a lower rate, compare balance transfer cards.

Introductory purchase offer

This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.

Rewards

Earn rate

Everyday spend
None
Bonus categories
None
Other purchases
None
Overseas spend
None
Reduced rate above monthly cap
None
Points cap
Uncapped
Points expiry
Points do not expire and there is no limit to the points you can earn.

Sign-up bonus

Bonus spend required
—
Sign-up bonus
—

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

Purchase rate27.80%Top 25% (3rd of 19 cards)
Overseas fee3.25%Better than most (6th of 19 cards)
Interest-free days22 daysMiddle of the market (9th of 17 cards)
Annual feeS$545 a yearAmong the most expensive (18th of 19 cards)

Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Sources

Credit Card Compare
How CardIQ scores cards
Issuer
American Express
Program
American Express Membership Rewards