What is the make-up of Travel Accident Insurance and Purchase protection plans for the Amex 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.

I have had this card for a long while. The good thing with the card is that AMEX have been waiving my annual fees which is probably why I still have the card. The pros with this card include – Great customer service officers that are friendly and will do their best to help you with prompt follow ups, direct credit of miles to your Krisflyer account, many small promos every few months with a fantastic sign up promo, no minimum spending and perfect for concert lovers as AMEX offers priority to provide tickets.

If you are like me an HSBC Premier client and also a frequent traveller that can maximize the number of priority pass visits, limo and meet-and-assist services as well as your supplementary cardholders too, then this is the card for you. The reduced general mile earn rate is worth the trade-off for the unlimited priority pass memberships, as well as the high number of limo and meet-and-assist services that you can use.

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.

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.

Even as the OCBC Plus! Visa is not a cashback card, thus there is no cap, or "maximum" cash back, you get to still earn rebates in the form of cash rebates and LinkPoints by shopping at NTUC. However do note that there is a minimum spend of $500 in places outside NTUC before the full range of rebates and LinkPoints can be unlocked.

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.