To protect your Card Members from fraud, Cards should be signed by Card Members immediately upon receipt and kept in a secure place.

When Charges Are Declined

Unfortunately there are times when a charge may be declined. American Express uses an Intelligent Electronic Financial Management and Authorisation System to protect your Company and Card Members against fraud, minimising financial risk. This is done to protect the interests of Card Members and the company. Any out-of-pattern spend will be referred for manual approval. This means the transaction will not go through on the Card until American Express has been contacted and approves it. Card charges are more likely to be referred for manual approval when new Card Members start using the Card and have minimal spend history. The most frequent types of out-of-pattern expenditure are large, internet or overseas transactions. If you are aware of any-out-of pocket expenditure that is likely to arise for a given reason, for example an international trip, company conference, or similar, please contact our Credit Department at 1800 737 8188 ahead of the expected date that the charge is likely to be made.

If a merchant indicates that a transaction has been declined, Card Members should request that the merchant contact the American Express Merchant GOs team for clarification on the decline. If manual approval is required, the Card Member should ask the merchant to contact the American Express Merchant Services team to request for this approval.

Avoiding Declined Charges

If Card Members anticipate an out-of-pattern charge, they can contact American Express prior to using their Corporate Card and seek pre-authorisation. We recommend Card Members seek pre-authorisation on all large, internet or overseas purchases. This avoids the inconvenience of charges being declined. Card Members can contact the Card Member Service team on 1800 732 2566 to request pre-authorisation.

How to Dispute A Charge

If a Card Member does not recognise a transaction, the first action should be to contact the supplier and dispute the charge directly. If this is either unsuccessful or not possible, the Card Member can contact the Card Member Service Team on 1800 732 2566 to dispute the charge. This must be within 3 months of the date the charge was placed on the Card. A temporary credit may be applied to the Account while American Express contacts the supplier to obtain support for the charge. Investigations of charges by American Express may take up to 6 to 8 weeks. An investigation fee may be applied should the charge prove genuine.

The American Express Corporate Card offers two levels of Card membership to cater for your Company's unique travel, entertainment and business expense needs:

American Express^® Corporate Card
American Express^® Corporate Gold Card

Click on the Card name to view Card Member benefits or view all Card benefits

Card Fees

Annual Card Member fees are applied on a sliding scale according to the number of Card Members in your Company. This means that you may be able to achieve cost savings by adding Cards to your Account.

The annual Card fees* for the American Express Corporate Card are:

• Corporate Card - S$130.80 (inclusive of 9% GST)
• Corporate Gold Card - S$168.95 (inclusive of 9% GST)

* Please refer to your global agreement for details, when applicable.

To ensure your Company's expense management programme runs smoothly, you may be required to assist with tasks to administer the programme including adding or cancelling Cards and paying your Company's Account. To change your Company's details or contacts, please click here for the Change of Company Details form and follow the necessary steps as mentioned in the form.

This section allows you to review information and/or access direct links for a number of activities, which will help you to maintain your Company’s Card Members. You may also wish to enrol for Global Online Programme Management in @ Work, to complete these activities online.

Requesting a New Card

Please click here to find request a new Card applications

Requesting an Urgent Card

To request an urgent Card, please fill out the Card Member Application Form as you usually would, and tick Priority Handling in the bottom left hand corner. Please note that an urgent fee applies.

Renewing Expired Cards

Renewal Cards will be automatically mailed to the Card Member’s billing address 10 to 15 days prior to Card expiration.

Replacing a Lost or Stolen Card

In the event of a Card being lost or stolen, it should be reported immediately by the Card Member at 1800 732 2566, 9.00am - 5.00pm, Mondays to Fridays (except public holidays), or at 1800 737 8188 after office hours.If the Corporate Card is lost or stolen overseas, please contact the local American Express Travel Services Office or a Representative Office. Card Members will usually be able to receive a replacement Card on the next business day at no extra cost. Alternatively, Card Members may also call (65) 6732 2566 during office hours (except public holidays) or (65) 6737 8188 after office hours.

Cancelling a Card

If an employee no longer needs a Corporate Card, the Card must be cancelled so that American Express does not continue to charge annual fees for this Card. You can cancel a Card via Global Online Programme Management in @ Work. Alternatively, please email the PA Servicing Team at castsingapore@aexp.com

Reinstating a Cancelled Card

Please email the PA Servicing Team at castsingapore@aexp.com for any Card Member account reinstatement request.Changing Card Member Contact Details
As Programme Administrator you are able to change Card Member details via Global Online Programme Management in @ Work. It is important that the Card Member details are remaining up-to-date to ensure that new or replacement Cards are received by the Card Member.

American Express provides you with access to several account and programme management tools to help make day-to-day expense maintenance easier.

American Express @ Work^®

@ Work is an expandable suite of online tools that allow you to effectively manage your Card program online, including;

• Online Programme Management (OPM)
  • Ready Response
  • Programme Administrator Alert Notifications
• Global Apply for Card (GAFC)
• @ Work Reporting

To begin enjoying the benefits offered by @ Work, simply fill in the enrolment form online and it will be processed within 3-5 business days.

Online Programme Management (OPM)

• View account status and summaries
• Real-time exposure and monthly limits
• Recent activity and declined charges
• Edit Card member information
• Suspend, unsuspend or cancel Cards
• Manage limits and statements
• Monitor Card member safety
• Customise alert notifications

Online Card Applications - Global Apply for Card (GAFC)

• Manage all applications in the one place
• Allow Programme Administrators and employees to initiate and track applications
• Customise approvals and authorisations
• Initiate multiple applications at one time
• Share workspace with other Programme Administrators
• Upload critical identification documentations for Card applications to comply with
  regulatory requirements
  

@ Work Reporting

@ Work Reporting gives you the power and flexibility to turn information into actionable insights that work for you. When you have a comprehensive picture of your spending, you can create real impacts for your business.

• Monitor compliance whenever you do business and simplify auditing
• Quickly resolve delinquencies through Card Member and supplier management reports
• Identify savings opportunities and forecast Card Member activity to improve supplier negotiations
• Automated email alerts when your monthly report is ready for viewing
• Provides reports in convenient formats

At your service 24 hours a day, 7 days a week, 365 days a year, anywhere

Online Statements is a free service that helps Card Members review and reconcile their expenses online, without having to wait for monthly Corporate Card statements.

Online Statements:

• Allow access to account information 24 hours a day, 7 days a week
• Track current charges and payments, and show statements for the past 3 months
• Track unbilled balances and new charges

Enrolment for Online Statements requires individual action by each of your Card Members and takes just a few minutes. To ensure your Card Members receive monthly statements, they need to enrol in Manage Your Card Account and select the Register for Online Statement option.

Card Members can also gain access to their past 6 months' Corporate Card statements in PDF format, online. After enrolment, Card Members will receive a monthly email notification when their statement is ready to be viewed online.

The American Express Business Travel Account (BTA) is a centralised billing solution for travel costs.

For more information and resources outlining the below, please click here

• What is a BTA, how does it work and what are the benefits?
• Reconciliation
• Online Statements
• Programme Management

There are a number of methods for paying an American Express Corporate Card statement. The payment methods available depend on whether your Company or the Card Member pays the statement.

There are a number of options where your Company pays the account centrally, including:

• Interbank GIRO
• Electronic Funds Transfer (EFT) or Direct DEBIT

Interbank GIRO

Interbank GIRO is the most convenient way to settle your bills. It can be used irrespective of whether the Corporate Card account is paid individually or centrally. The Direct Debit can be scheduled to occur from 5 to 25 days after your Corporate Card statement date. For a centrally paid account, the balance from each Card statement will be transferred to the Direct Debit account, the balance from each Card Statement will be transferred to the Direct Debit Account and the total of these amounts will then be debited from the Company's nominated bank account.

Electronic Funds Transfer (EFT) or Direct DEBIT

EFT is a payment option for Companies who wish to pay the Corporate Card account centrally. Clients who have pre-selected this form of payment during the initial Account set-up will be issued a unique 6-digit number, which must be quoted for all deposits.

Remittance Advice

A full remittance advice should accompany all telegraphic and electronic remittance payments. A remittance advice can be printed from @ Work. This will be available 48 to 72 hours after the statement cut off date. Alternatively, you can prepare your own and fax it to Corporate Card Remittance Processing on (65) 6507 7484 on the same day the payment is made into the American Express bank account. If you prepare your own remittance advice it must contain:

• Master Control Account Number (MCA - your Company's unique ID)
• Company name
• Date of payment
• Card number
• Card Member name
• Amount of payment per Card Member
• Payment total
• Notation of any credit adjustments between accounts

Missing or Misallocated Payments

If there is no remittance advice accompanying a payment, or if the remittance advice is incorrect, the payment(s) will remain unallocated. This means that Card Member payments may become overdue and late payment fees may apply. Should you require any clarification on your Company billing or payment options, please call the PA Servicing Team at 1800 732 2566.

When the Card Member pays the account, the following options are possible:

• Online payment via Internet Banking
  
  If you are a DBS, OCBC or UOB bank account holder, you can pay your bill via your respective bank's website¹.
  


• S.A.M Machine
  
  Over 230 Self-service Automated Machines island-wide are at your disposal to enable fast payment. Visit www.singpost.com to find one nearest to you.

• Online Payment via vPOST²
  
  Simply log onto www.vpost.com.sg and follow these steps to nominate the bank account from which payment will be deducted:
  • (i) Sign up with vPOST to obtain your unique User-ID and password
  • (ii) Download and complete the GIRO-On-Demand (GOOD) application form
     
• Interbank GIRO
  
  Sign up for a GIRO payment arrangement to establish a direct debit from your nominated bank account within 5 to 25 days from your Corporate Card statement date. Download the GIRO application form.

1. Only applicable for DBS, OCBC and UOB banks. Terms and conditions apply.
2. The application form will be sent to your bank for processing. Please allow 3 weeks for processing. Upon the bank's approval, you will be notified via your vPOST by GIRO-On-Demand. This is not applicable for centrally paid Corporate Cards.

Late payment fees are easily avoided simply through Card Members being made aware that the American Express Corporate Card is a Charge Card, which means the full balance needs to be paid upon receipt of the Card Member's statement.

Payment must be received before the next statement cycle ends to ensure allocation of payment and to avoid incurring a late payment fee. If a payment becomes overdue, American Express may charge the Company or the Card Member late payment fees on the overdue balance, monthly in arrears. American Express- credit policy for the following overdue payment dates is described below.

Overdue for Payment

If we do not receive full payment of your total bill on your monthly statement by the date of your next statement, the late payment fee will apply. A late payment fee of 2.5% or S$40.00*, whichever is greater, will be levied on the outstanding balance. The Card Member or the Programme Administrator may be contacted via letter or telephone and the Card may be suspended. This will only happen after the Card Member or Programme Administrator has been advised that this will occur.

*Rates subject to change. Please refer to your American Express monthly statement for the latest rate and/or your company's Global Agreement, if applicable.

60 Days Overdue for Payment

If a Card is 60 days overdue for payment, the Card Member or Programme Administrator will be contacted via telephone or letter and the Card will be suspended. An additional late payment fee will be accrued.

90 Days Overdue for Payment

If a Card is 90 days overdue for payment, the Card will automatically be cancelled. The Account may be referred to an external debt collection agency or solicitor employed by American Express to establish acceptable repayment terms. An additional late payment fee will be accrued.

The American Express credit policy may vary depending upon the Terms and Conditions set for your Company and will be applied on an individual Card basis.

To assist with planning Card Member payments after a Card is overdue for payment, please contact the Credit Services team at (65) 6507 7474.

To avoid late payment fees, Card Members can check their online statements anytime and anywhere via the Internet. Click here to register for Online Statements.