Please I would love to know if I can apply for the American Express Platinum Reserve Credit Card if the income I earn is a little over S$80,000 p.a?

Seldom would you find a card that has your best interest at heart as the AMEX Express Platinum Reserve Credit Card with its Emergency legal and medical assistance even when you are anywhere in the world. You can enjoy privileges around the globe with Live the World and American Express with all round protection against accidental damage or theft for your purchases.

The Pros with this card from my observations include the fact that high membership Rewards points earn rate at specific merchants including a 50% savings at many high end restaurants, an attractive signup offer for 2 nights stay at the hotel. The Cons include a non-waivable annual fee and a High minimum spend to qualify for signup rewards

I like the shopping benefits that come with this card starting with the opportunity to earn 2X Membership Rewards points with your Credit Card for every $1.60 you spend and with EXTRA from Membership Rewards, you stand to earn a total of 10 Membership Rewards points for every $1.60 spent at Platinum EXTRA Partners. You can be assured of peace of mind when you shop with your card with the cards 90-Day Purchase Protection and 90-Day Return Guarantee

I am still trying to take advantage of the all year-round savings of up to 50% at over 60 restaurants and hotels dining island wide with the cards love dining privileges. So much to choose from don’t you think so? Plus you can save up to 50% savings with American Express Selects at a wide selection of restaurants in Singapore

With this card what I enjoy in particular the Petrol Stations Benefits which allows one to enrol the card to enjoy 7.1% savings via statement credit on your net petrol purchases at SPC and up to 21% savings with the rebate (15% onsite + 6.04% savings via statement credit) at SPC.

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.

I am quite very disappointed with this card as I have never received the vouchers for all the points I have accumulated so far. I have on several occasions made complaints via the phone and even in person, but all to no avail. I would not recommend this card to anyone for this reason, i have to say unfortunately.

Very impressed by the complimentary night stay I got after I made bookings for a five nights stay at a resort I spent my birthday at in Malaysia. Even more pleasing was the complimentary golf games at a high quality golf courses in Malaysia. As a matter of fact, I had as much as six complementary golf games.

This card offers a few thrills if you are one for accumulating miles as you can earn 1.3 KrisFlyer miles for every S$1 equivalent in foreign currency spent overseas on eligible purchases up to S$3,800 each month. On such purchases above S$3,800 each month, you can earn 2 KrisFlyer miles. Furthermore the card allows earnings of 1.3 KrisFlyer miles for every S$1 spent locally in Singapore dollars on eligible purchases up to S$3,800 each month. On such purchases above S$3,800 each month, earnings are 1.4 KrisFlyer miles. Highly recommended for those who seek to accumulate miles.

First of all, unlike other loyalty programmes, the American Express Personal Card membership rewards points do not expire. Furthermore, with no restriction on the number of points you can stand to accumulate, you just need to choose the reward you want and you'll have time to get it, pretty much the skies can be your limit as you can use the points the way you want from redeeming shopping, travel and entertainment rewards to offsetting purchases made on your Card.

So it is really convenient that I can get and use my card instantly when I apply via MyInfo. And the cards instant digital card that can be used for mobile wallets, online and mobile app purchases. Now aside from the same day physical credit card issuance for online applications you also get S$50 cash rebate upon approval with no minimum spend required. However that is only for new OCBC Credit Card applications.