I have always looked for ways to get more out of my business spending. When I discovered the American Express Singapore Airlines Business Credit Card, I saw an opportunity to boost my travel rewards and save on my business expenses. In this post, I want to share my journey and explain how this card can help you if you travel a lot for work.
My First Look at the Card
I was curious about this card because I travel for work. I read the latest news and updates from 2025 and found that American Express and Singapore Airlines are always working together to offer great rewards. This card is designed for business owners like me. It helps me earn HighFlyer points that I can later convert into KrisFlyer miles.
Here are some of the key features that caught my eye:
- Earn Points on Business Spend: I earn up to 8.5 HighFlyer points for every Singapore Airlines Group flight purchase.
- Everyday Spend Reward: For all other eligible purchases, I earn 1.8 HighFlyer points per S$1 spent.
- Welcome Offers: There is a welcome bonus that gives me up to S$300 in statement credits if I spend a minimum of S$3,000 in the first two months.
- Extra Perks: The card gives me travel benefits like priority check-in, extra baggage allowance, and lounge access.
- Business Savings: I can get up to S$8,850 in business savings from special offers with digital advertising partners and other business services.
These points and benefits made me decide to apply for the card.
Why I Chose This Card for My Business
I compared many cards before I applied. Here is why I picked the American Express Singapore Airlines Business Credit Card:
- Travel Rewards That Add Up: Since I travel frequently, earning HighFlyer points on flights is very useful. I can convert these points to KrisFlyer miles. This means my everyday business spending turns into free travel.
- Multiple Rewards Options: The card offers a welcome bonus, bonus points for spending with Singapore Airlines, and even extra rewards when I use the card for Grab transactions.
- Business Benefits: The card does not only help with travel rewards. It also offers business savings through credits on digital advertising. This feature helps me reduce my monthly business expenses.
- Flexibility with Payments: With features like interest-free days and the ability to break payments into smaller amounts (via Pay Small), I can manage my cash flow better.
- Added Perks for Business Owners: There are special offers like a complimentary hotel stay (Accor Plus membership) and car rental discounts (Hertz Gold Status) that add real value.
These benefits convinced me that the card was a good choice for my busy work life.
How I Use the Card in My Daily Business
Using the card is simple. I use it for both everyday spending and for my travel-related expenses. Here’s how I make the most of it:
Everyday Purchases
- Office Supplies & Meals: I use the card for purchasing office supplies and paying for business lunches. Every S$1 I spend on these eligible items earns me 1.8 HighFlyer points.
- Digital Advertising: The card gives special credits on digital advertising services. This saves me money on marketing, which is a big part of my business.
- Online Transactions: Whether I book hotel rooms or pay for software subscriptions, I can use the card and earn rewards on all eligible spend.
Travel-Related Spend
- Airline Tickets: I always book my flights with Singapore Airlines or Scoot. For these purchases, I earn 8.5 HighFlyer points per S$1 spent. These points add up fast!
- Travel Extras: When I shop on KrisShop or use the card for travel-related expenses, I also get rewards. It makes my trips more affordable.
- Bonus Offers: Occasionally, American Express offers special bonus points if I spend a certain amount with Singapore Airlines. I keep an eye on these promotions so I can plan my travel spending to earn extra rewards.
Managing Business Cash Flow
- Interest-Free Periods: I make sure to pay my statement in full to avoid interest. This card gives me 21 to 22 days from the statement date when no interest is charged.
- Flexible Payment Options: With the option to use Pay Small, I can break down large airline purchases into smaller payments. This helps me manage cash flow, especially when travel costs are high.
The Welcome Offer and Extra Perks
One of the first things I noticed was the welcome offer. If you meet the spending requirement, you can get up to S$300 in statement credits. Here’s what I learned:
- Eligibility: To get the welcome bonus, you need to spend at least S$3,000 within the first two months after the card is approved.
- Statement Credits: Once I met the spending target, I received S$300 as a credit on my statement. This immediately reduced my annual fee cost.
- Additional Gifts: Sometimes, there are layer-up offers. For example, there have been promotions where you could get Apple AirPods 4 or Samsonite luggage as an extra reward if you spend above a higher threshold.
These bonus rewards make the card even more attractive. Not only do you get travel miles, but you also get extra cash credits or physical rewards that help reduce your business costs.
Earning and Redeeming HighFlyer Points
Let me explain how the points work and how I use them:
Earning Points
- On Singapore Airlines Spend: When I book flights with Singapore Airlines or Scoot, I earn 8.5 HighFlyer points per S$1 spent. This rate is much higher than everyday spending.
- On Other Purchases: For all other eligible business expenses, I earn 1.8 HighFlyer points per S$1.
- Grab Transactions: When I use the card for Grab rides, I can earn up to 2 points per S$1 spent. This is capped at S$200 per month, but it still gives me extra rewards on my daily commutes.
Redeeming Points
- Conversion to KrisFlyer Miles: I can convert my HighFlyer points to KrisFlyer miles at a 1:1 ratio. This conversion is very useful because KrisFlyer miles are the currency for Singapore Airlines’ rewards.
- Free Flights: Once I have enough miles, I can use them to book flights. There are no blackout dates or caps, so I have the freedom to choose when to fly.
- Additional Benefits: Some rewards allow me to get extra perks such as free seat upgrades, additional baggage allowance, or lounge access.
This points system means that almost every business purchase can eventually save me money on flights. I love the idea that my daily business expenses directly contribute to my travel rewards.
Travel Perks I Enjoy
The American Express Singapore Airlines Business Credit Card is not just about points. It comes with many travel benefits that make my trips easier and more comfortable. Here are some of the perks I enjoy:
- Fast-Track to KrisFlyer Elite Gold: If I spend S$16,000 on eligible purchases within a set period (with at least S$6,000 on flights), I can fast-track my way to KrisFlyer Elite Gold membership. This status gives me:
- Priority check-in and boarding.
- Extra baggage allowance.
- Access to over 1,000 airport lounges worldwide.
- Priority Pass Membership: I receive two complimentary visits per year to select airport lounges through Priority Pass. This is very useful on long journeys.
- Accor Plus Membership: I get a complimentary one-night stay every year at Accor Hotels across Asia Pacific. This is a great benefit if you travel for meetings or conferences.
- Hertz Gold Status: With this card, I enjoy car rental discounts, including a free upgrade and waived fees for extra drivers. It makes renting a car for business trips cheaper.
- Travel Insurance: The card includes travel inconvenience and travel accident coverage. This means I have extra protection when I travel, giving me peace of mind.
- Flexible Payment for Flights: With the Pay Small option, I can split large flight purchases into smaller, interest-free payments if I pay my statement in full each month.
These travel perks add a lot of value to the card. They help me travel more comfortably while reducing extra costs like lounge fees or extra baggage fees.
How I Applied for the Card
The application process was straightforward. Here is what I did:
- Online Application: I visited the official American Express Singapore website. The process was simple, and I was guided through filling out the necessary details.
- Documents: I uploaded my business documents and a valid UEN (Unique Entity Number). American Express needed to check that I met the minimum income requirements.
- Approval: I received my card approval within a few days. The quick turnaround helped me start earning rewards sooner.
- Activation: Once I got the card, I signed it and activated it using the American Express app. The app also helps me track my spending and points.
I found the entire process easy to follow. The website provided clear instructions, and the customer service was helpful when I had a few questions.
Managing My Card and Tracking Rewards
One of the best parts of this card is the online account management system. I use the American Express app every day to:
- View Transactions: I can see every transaction I make. This helps me keep track of my business expenses.
- Check Points Balance: The app shows me how many HighFlyer points I have earned. I love seeing the points add up.
- Set Payment Reminders: I set up alerts to ensure I pay my statement in full. This helps me avoid interest charges.
- Redeem Rewards: When I have enough points, I can easily convert them to KrisFlyer miles and book my flights through the app.
- Special Offers: I also see special promotions and bonus offers on the app. These alerts remind me when a limited-time deal is available.
Using the app gives me control over my finances. I can manage my spending easily and make sure I get all the benefits I deserve.
Tips for Getting the Most Out of This Card
If you are considering this card for your business, here are a few tips from my own experience:
- Plan Your Spending: Look at your monthly expenses and see how much you can use the card for. Plan to use it for business travel, office supplies, and digital advertising.
- Meet the Spending Requirements: To get the welcome bonus and other rewards, make sure you spend the minimum required amount in the first two months.
- Use It for Big Purchases: Book your airline tickets and travel-related expenses with the card. This is where you earn the highest rewards.
- Take Advantage of Promotions: Keep an eye on special offers. Sometimes you can earn extra points or receive gifts like AirPods or Samsonite luggage.
- Pay Your Statement in Full: To avoid interest charges, always pay your full balance by the due date. Use the interest-free period to your advantage.
- Download the Mobile App: This helps you track your spending, points, and receive alerts for special offers. It makes managing the card very simple.
- Check the Terms Regularly: The benefits and terms can change. Stay updated by checking the American Express website or the app.
By following these tips, you can maximize the rewards and benefits this card offers.
My Personal Experience
Since I started using the American Express Singapore Airlines Business Credit Card, I have noticed a big difference in how I manage my business expenses. Here is what I love about it:
- Rewarding Every Purchase: Every time I use the card, I feel like I’m earning a little extra for my next trip. Whether it is a small office supply purchase or a large airline ticket, the points add up quickly.
- Easy Management: The app makes it easy for me to see my spending and manage payments. I always know when my next payment is due and how many points I have.
- Travel Benefits: I have enjoyed lounge access during long layovers. The priority check-in and extra baggage allowance have saved me both time and money.
- Business Savings: The credits on digital advertising help reduce my marketing costs. This is a bonus that many other cards do not offer.
- Peace of Mind: The travel insurance and emergency card replacement have made me feel safe when I travel. I know that if something goes wrong, I have extra protection.
Using this card has helped me not only earn rewards but also manage my business finances more efficiently. I feel confident when I use it for large purchases because I know I am getting much more than just a transaction receipt—I am earning rewards that travel me further.
Final Thoughts
The American Express Singapore Airlines Business Credit Card is more than just a credit card. It is a tool that transforms everyday business spending into valuable travel rewards. By earning HighFlyer points on both travel and daily expenses, you can save on flights and other travel costs. The additional benefits like lounge access, complimentary hotel stays, and travel insurance add extra value.
I recommend this card to any business owner or frequent business traveler who wants to get more from their spending. If you travel a lot for work, the benefits of this card can make your journeys smoother and your business spending more rewarding.
Remember, the key to getting the most out of this card is to plan your spending, meet the bonus thresholds, and always pay your statement in full. With the right strategy, you can turn every business expense into a step closer to your next free flight.
If you have questions about this card or need help with the application, I encourage you to visit the American Express Singapore website or contact their customer service. The process is simple and the rewards are well worth the effort.
I hope my experience and tips help you decide if this card is right for you. Happy spending and safe travels!
Sources for my research include the latest promotional pages, press releases, and official terms from American Express Singapore and Singapore Airlines, all updated in 2025.
Feel free to leave your comments or ask questions below. I am here to help you make smarter business and travel choices.
