With so many options of Amex cards to choose from, why should I choose the Amex Gold Card?

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.

Exclusively for Gold Charter Members, the banks dedicated Charter Customer Assist team stands ready to assist with any request. Whether it's a bouquet of flowers for your lover, a game of golf at a choice golf course, restaurant reservations or a sporting event; they are only a phone call away to help you with enquiries and bookings within the Asia Pacific region. Actually you will even be able to obtain travel assistance during office hours.

I like the extended warranty were they will double the original manufacturer's warranty when you make a purchase on your American Express Gold Charter Card in Singapore. And also give you up to an additional 24 months of protection and a maximum warranty period of 48 months. Quite simply, you enjoy more protection for your purchases with your American Express Gold Charter Card.

I am new to the card but I would like to say that the cards membership rewards programme is amazing allowing you to earn 2 Membership Rewards points for every S$1.60 spent. Enrolment into the Membership Rewards Programme is required for points to be awarded. You can choose to enrol in one of the two options of Non-Frequent Traveller Option or the Frequent Traveller Option.

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.

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%.

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.

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.

I would recommend the card for use by people who frequently purchase clothing and electronics and also in particular from known on online merchants like AliExpress, Amazon, Lazada, Shopee and Taobao.You get 10X points when you shop at retails for babies and children's wear, clothes, bags and shoes, department stores, electronics and gadgets; which cover almost all retails. Also the OCBC Reward is a $10 rebate for 3600 points which I think is fare.

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.