Are there online advantages that come with operating the Amex Platinum Card?

I like the idea that I can receive 40,000 Membership Rewards points when I get to successfully refer any of my friends to the card. Even more so as my friends can also receive 40,000 Membership Rewards points upon spend of S$5,000 in the first 3 months of their Card Membership. I think that is pretty much a win-win situation.

You receive S$800 travel credits annually (S$400 Air Travel Credit + S$400 Lodging Credit) by booking through The Platinum Concierge. You also can get and enjoy complimentary access for you, a supplementary cardholder and two guests to 1,200 Lounges such as The Centurion Lounge, Priority Pass, and International American Express Lounges. Most importantly, all Membership Rewards points never expire

I had a nice experience taking up the opportunity to earn savings with Love Dining at a Restaurant with 35% off double dating with my girlfriend and my best friend with his girlfriend. So go ahead and enjoy savings at artfully curated restaurants and Singapore's finest hotels with Love Dining. Also with Love Dining at Hotels, you receive a complimentary The Far Card Classic Membership. This card is eligible for use with Apple Pay, Google Pay, Samsung Pay.

Airport lounge access and up to $200 in Uber credits each year with up to a $200 annual airline-fee credit and up to $100 in annual shopping credits, elite status at Marriott and Hilton hotels, special perks at other hotels and resorts. They even offer access to exclusive events making this cards benefits very catchy.

With the Amex's loyalty program I love that they can be exchanged for statement credits or cash back, used to book travel through Amex's travel website, or transferred to any of 19 airline and three hotel transfer partners. Transferable points to me are among the most valuable features. The card earns a whopping 5x points on airfare purchased directly through the airline, as well as flights and hotels reserved through Amex Travel. It earns one point for every dollar spent elsewhere.

The Platinum Card comes with a welcome offer of 60,000 Membership Rewards points after you must have spent $5,000 on purchases in the first three months after opening your account. Based on valuations, those points are worth about $1,200 which alone makes up for two years of the annual fee.

This is my first credit card and I was pleased with the process as the application was absolutely stress free and smooth with customer care service at top notch. I actually felt taken care of and it appeared I could rely on customer care service for virtually any issue. Plus they have a simple tracking system of cashback rewards, with a good App and web UI/UX.

I love that I can enjoy Interest rates starting from 5.80% p.a. (EIR 11.38% p.a.) on their 12-month instalment plan which allows for fixed monthly repayments.The monthly repayment for your Cash-on-Instalments is fixed, allowing you to manage your finances with ease of mind. That works perfect for me as it helps me to be more organized and I give them thumbs up.

OCBC Frank Card stands out for its low minimum spend requirement and annual fee waiver however, it’s not a great match for consumers seeking everyday cashback. Online spend on utilities, recurring bills, and school and hospital payments are all not eligible for rebate. Dining, groceries, and other categories are also not rewarded. Ultimately, OCBC Frank Card offers young adults a great, no-fee way to earn cashback from social and online spend. OCBC Frank Card is definitely worth consideration.

If you target to spend on major event tickets and high price items with the plan to split by instalment then this card is for you. However I notice that if you have an existing OCBC saving account, it makes bill payments much more seamless. And aside from being able to split payment into monthly instalments interest free, you can earn up to 1% rebate on your purchase. Only few cards in the market that allow auto convert spending into interest free instalment and still be entitled to 0.5% or 1% cash rebate.

The American Express Krisflyer Credit Card has an attractive sign up bonus and it is easy to use to accumulate on miles as no conversion into KF account is required, and monthly auto “sweeping” of miles help save in the conversion fee. I also have had good experiences with their customer care service as the call center service is absolutely awesome.

I fancy the OCBC 365 credit because it has cash rebate of $80, but only after you full fill their criteria. They require a minimum spending of $800 per month which in turn earns interest from different spending. This card suits me just fine being that I have broad spending habit and in the process it gives me $80 cash rebates every month. My only dislike is the rebate on the general spending which is 0.3%.