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The American Express Singapore Airlines PPS Club Credit Card

by Kshitiz V Sharma on

The Bottom Line

The American Express Singapore Airlines PPS Club Credit Card
Above Average But Not Great

Earn 3.3 KrisFlyer miles per dollar (mpd) on Grab, 2 mpd on Singapore Airlines & KrisShop and 1.3 mpd on the rest. Overseas spends above S$3,800 earns 2 mpd.

Monthly Spend S$1K S$2K S$4K S$6.5K S$10K
Net Reward Yield 2.4% 2.2% 2.1% 2.0% 1.9%
Est. Monthly Reward (S$) 20 40 80 125 190
All-Singapore Rewards Rank* 16 12 10 8 9
Within Bank Rank* 2 2 2 2 2
* Based on est. net reward yield for more than 70 credit cards in Singapore, for each monthly spending level. Read about how we calculate the net reward yield here & here.

The American Express Singapore Airlines PPS Club Credit Card gives 4.6% effective rewards on Grab, 2.8% on Singapore Airlines & KrisShop and 1.8% on all other spending.

Local spending above S$3,800 in a month earns about 2% rewards (1.4 mpd) and overseas spending above S$3,800 in a month earns 2.8% rewards (2 mpd).

Overall, we estimate you can earn a net reward yield of 1.9-2.4% on all spending with this card in a month.

Those are good reward yields but not high enough to be the best in any spending category or for any level of spending.

The PPS Club Credit Card has a high annual fee of S$556.20 per year. However this is waived for the first year and that means it can likely be waived in subsequent years too as long as the card is being actively used.

Unlike some other cards, the exact level of annual spending needed to get the fee waiver is not disclosed by Amex.


The Rewards

Card The American Express Singapore Airlines PPS Club Credit Card
Card Type Rewards
Reward Features 3.3 KrisFlyer mpd on Grab

2.0 KrisFlyer mpd on Singapore Airlines & KrisShop

1.3 KrisFlyer mpd on overseas spend upto monthly spend of S$3,800 and 2 KrisFlyer mpd thereafter

1.3 KrisFlyer mpd on everything else upto monthly spend of S$3,800 and 1.4 KrisFlyer mpd thereafter

Reward Caps – 3.3mpd for the first S$200 p.m. on Grab
– Unlimited miles on other spending
Other Rewards & Benefits – 15% savings on Singapore Airlines premium classes

– S$1 Million Travel Inconvenience & Travel Accident Insurance

– Exclusive Hertz privileges worldwide

– Complimentary Platinum Golf

Preferred Redemption Method Redemption bookings with Singapore Airlines


Fees & Charges

Card The American Express Singapore Airlines PPS Club Credit Card
Income Criteria N/A
Annual Fee S$556.20
Min. Annual Credit Card Spend
for Fee Waiver
First Year Waived
Supplementary Card Fee S$81 (2nd Year Onwards)
Interest Rate 26.90%
Foreign Currency Markup 2.95%
Cash Advance Charge 5% or $15, whichever is higher


The Best Credit Cards in Singapore

The Maybank Family & Friends Credit Card is the best credit card in Singapore if you charge less than S$4,000 a month to your card.

It has the highest cashback rate of 8% on 5 spending categories of your choice and also the highest monthly cashback cap of S$125.

We estimate you can earn a net reward yield of 3.0 – 4.8% with this card on monthly spends between S$800 – 4,000.

The KrisFlyer UOB Credit Card is the best rewards card in Singapore for monthly spends above S$4,000 a month.

You can earn up to 3 miles per dollar spent with this card on dining, travel & online fashion and 1.2 miles per dollar on most other transactions.

We estimate you can earn a net reward yield of 2.5 – 2.8% on all your spending with this card.

The Citi Cash Back+ is the best cashback credit card if you spend more than S$7,800 a month on your card. Its cashback rate of 1.60% with no caps, overall or by category, is one of the highest in Singapore.

Learn more about which is the best card for you by reading our pieces on the best rewards card, the best cashback card and the best card combos in Singapore.

If you drive, consider our piece on the best card for petrol and if you’re a travel bug, read about the best card for travel.

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