What are the Key Benefits of the American Express Personal Card?

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.

Unlike with other competing loyalty programmes, the Membership Rewards points with the AMEX express personal card never expire and furthermore, with no restriction on the number of points you can accumulate, you only just need to choose the reward you want and you'll have time to get it as pretty much the sky's the limit.

With this card you can use points the way you want, right from redeeming shopping, travel and entertainment rewards to offsetting purchases made on your Card. So I encourage you to try it and use your membership rewards points the way you want to use it. Visit the membership rewards page to find out more ways you can use your points.

With their Purchase Protection whether you're buying online or shopping at your local supermarket, the Purchase Protection offers you repair, replacement or reimbursement on eligible purchases made with your Card that has been damaged or stolen within 90 days of purchase. With coverage up to S$8,000 per item and up to a maximum of S$80,000 per calendar year per Card Member Account.

With the membership rewards programme, you earn 2 Membership Rewards points for every S$1.60 spent. Enrolment into the Membership Rewards Programme is required for points to be awarded however and you may choose to enrol either as a non-frequent traveller option of $10 you earn membership rewards points towards redeeming dining and shopping rewards OR the frequent traveller option of $40 you earn Membership Rewards points towards redeeming dining & shopping rewards, flights and hotel stays.

My family had a really fun time with the 10% off Siam Adventure Club Family Package Booking which came with breakfast for 2 adults and up to 2 kids with a Kids room setup in room and full access to kids activities. We even enjoyed daily evening drinks for whole family on selected menu from 5pm to 6pm.

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%.

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.

The delivered on the promise of purchase Protection of up to 90 days when ensured reimbursement on an eligible online purchases I made with my Amex Express Gold Card. Irrespective where you buy online or shopping at the local supermarket, their Purchase Protection offers repair, replacement or reimbursement on eligible purchases made with the Card, that has been damaged or stolen within 90 days of purchase.

Unfortunately, the HSBC advance card is not an unlimited cashback card as they have a cap on the cashback per month, even for advance banking clients. Furthermore, if you are not an advance banking client, you would not get subsequent card fee waiver if you do not get to spend at least $12,000 in a year.

OCBC Voyage Card is perfect for well-off consumers with a shifting travel schedule, who want to earn high miles locally and overseas. Consumers earn 2.4 miles per S$1 spend overseas and 1.2 miles on general local spend, which aligns with similar cards. Consumers are most likely to benefit from OCBC voyage card if they spend most of their budget locally, with at least 25% of local spend on dining.