About Membership Rewards

1. Definitions

"American Express" and "Amex" means American Express International Inc., its affiliates and licensees.

"Basic Card Member" means the individual in whose name the Card Account is maintained.

"Card" and "Card Account" means the Basic Card and account for any Centurion, Platinum Series, Gold and Personal Charge, Credit, and Gold Business Cards billed in Singapore dollars.

"Card Member" means a holder of an American Express Card.

"Enrolment Date" means the first day of the month in which Amex receives the application for enrolment in the Programme, whether with or without the Frequent Traveller Option. The enrolment date remains the same in the event of transfer from one to the other.

"Enrolment Year" means the twelve-month period commencing on the Programme Enrolment Date and each successive twelve-month period thereafter.

"Frequent Customer Programme" means a participating airline’s frequent flyer programme or a participating hotel’s frequent guest programme.

"Frequent Traveller Option" means the option to redeem Frequent Traveller Rewards through the programme.

"Frequent Traveller Rewards" means rewards obtained by transferring Points to Frequent Customer Programmes and such other rewards as may be added from time to time.

"Linked Accounts" means all eligible Card Accounts held by a Basic Card Member, which are enrolled in the Programme and linked for the purpose of accruing Points. Amex will designate one of the Linked Accounts as the "Primary Account".

"Non-Frequent Traveller Option" means the option to redeem only Non-Frequent Traveller Rewards through the Programme.

"Non-Frequent Traveller Rewards" means all rewards provided through the Programme other than Frequent Traveller Rewards including shopping, dining, entertainment, financial services, travel, unique experience rewards and such other rewards as may be added from time to time.

"Membership Rewards Enrolment" means the fee stated in Clause 3.

"Platinum Series" means the American Express Platinum Card, Platinum Reserve Credit Card, Platinum Credit Card and such other Platinum Cards that may be included from time to time.

"Points" means Membership Rewards Points.

"Programme" means the American Express Membership Rewards Programme and includes both the Frequent Traveller Rewards and Non-Frequent Traveller Rewards.

"Programme Account" means the Membership Rewards Programme Account opened for a Card Member.

"Rewards Card" means the Basic Card and Account for the American Express Rewards Card billed in Singapore dollars.

"Service Establishment" means a business or organization which accepts the Card.

"Supplementary Cards" means a card issued and whose charges are chargeable to the Card.

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2. Eligibility and Enrolment

2.1 Participation in the Programme (either with or without Frequent Traveller Option) is open to all Card Members whose Card Accounts are billed in Singapore Dollars with the following exception:

(i) True Cashback Card Members on “cash back” option and KrisFlyer Credit Card Members.

2.2 Except as otherwise restricted herein, all Card Members enrolled in the Programme (either Frequent Traveller Option or Non-Frequent Traveller Option) and who have paid the applicable enrolment fee may redeem Non-Frequent Traveller Rewards. Card Members who enrol in the Programme with Frequent Traveller Option may also redeem Frequent Traveller Rewards.

2.3 American Express Centurion Card, Platinum Charge Card, Platinum Reserve Credit Card and Platinum Credit Card will be automatically enrolled in American Express Membership Rewards Frequent Traveller Option, and the fee for your enrollment in the Membership Rewards Frequent Traveller Option will be waived for as long as you hold a valid American Express Centurion Card, Platinum Charge Card , Platinum Reserve Credit Card or Platinum Credit Card which remains in good standing and is not cancelled for any reason.

2.4 Points earned by any Supplementary Cards will automatically accrue to the Card Account. Supplementary Cards cannot be enrolled separately from the Basic Card.

2.5 Business Travel Accounts and other non-Card Accounts are not eligible to participate.

2.6 Only Card Accounts in good standing (i.e. not overdue or in collection) at the Enrolment Date are eligible for enrolment.

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3. Fees

3.1 An annual fee of S$10.18 for enrolment in Non-Frequent Traveller Option and S$40.74 for Frequent Traveller Option will apply (except for Centurion Card, Platinum Series and Rewards Card Members). Fees for participation in the Programme, either the Frequent Traveller Option or Non-Frequent Traveller Option, shall be determined by Amex and notified to Card Members from time to time.

American Express will bill the Card Members’ Card Account on the Enrolment Date and automatically annually (“Anniversary Date”) thereafter (except in the case of reinstatement after 12 months of cancellation, where it will be billed on the reinstatement date). The fee is non-refundable unless the Card Member requests cancellation of enrolment no later than 30 days after the Anniversary Date. American Express will cancel enrolment if the fee is not paid within 45 days after the date of the statement on which the fee is first billed.

3.2 Rewards Card Members will be charged a transfer fee of S$20.38 per conversion of points to the Frequent Customer Programme.

3.3 A request for the redemption or conversion of Points through the American Express customer service hotline will be subject to a fee specified in Clause 7.4 below.

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4. Points Accrual (Either Frequent Traveller Option or Non Frequent Traveller Option)

4.1 Subject to the other Terms and Conditions set out below and any promotional offers and bonus programmes:

(i) every Card Member (except for Centurion Card Members, Corporate Card Members, Rewards Card Members and Cards with certain professional associations) enrolled in the Programme will accrue two (2) points in the Programme Account for every full S$1.60 spent on eligible purchases of goods and services, charged and billed on the Card Account and Linked Accounts (if any).

(ii) Rewards Card Members will accrue one (1) point in the Programme Account for every S$1 spent on eligible purchases of goods and services, charged and billed on the Card Account.

4.2 Notwithstanding Clause 4.1, points will not be accrued for non-eligible purchases or transactions.Please refer to the following websites for a list of non-eligible purchases or transactions, which is non-exhaustive and is subject to change from time to time:

For Personal American Express Cards, please visit go.amex/SGexclusions; and

4.3 Points accrued in a Programme Account are not the property of the Card Member and are non-transferable, whether by operation of law or otherwise, either to any other person or entity or Programme Account.

4.4 Points accrued in the Programme Account have no cash or monetary value.

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5.1 Non-Frequent Traveller Option Points and Frequent Traveller Option Points.

There is no expiry date for Points earned while participating in the Programme, as long as we receive your minimum payment for Credit Card(s) or full payment for Charge Card(s) by the due date set out in your statement and your Card Account with us is not overdue.

American Express reserves the right to institute an expiry date for points whether Points have already been accrued or accrued thereafter.

If an enrollee later cancels enrolment, Points already earned that have not been redeemed for rewards or transferred to any participating Frequent Customer Programme, can be carried over for up to 30 days after cancellation. Any Points not redeemed by the end of 30 days after cancellation will be forfeited.

5.2 Non-Frequent Traveller Points Transferred to Frequent Traveller Option.

If Non-Frequent Traveller Rewards enrollees later enrol in the Frequent Traveller Option, Card Members have to pay a transfer fee determined by American Express and notified to enrollees from time to time. However, if Card Members redeem all Points already accrued before transferring to the Frequent Traveller Option, no Transfer Fee will be charged.

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6. Notice of Accumulated Points

6.1 American Express will notify the Basic Card Member in the monthly Card statement of the Primary Account if the number of Points accrued.

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7. Points Redemption

7.1 Points may be converted or redeemed provided all enrolled Linked Accounts are in good standing at the time of the redemption request (including a request to transfer Points to participating Frequent Customer Programmes).

7.2 Points accrued in the Card Member’s Programme Account can only be redeemed by the Basic Card Member.

7.3 By redeeming a reward, the Card Member releases American Express, its subsidiaries and affiliates from any and all liability regarding the redemption or use of any reward, or other participation in the Programme.

7.4 With effect from 1 January 2013, each time you call the American Express customer service hotline to request for a redemption or conversion of Points, a fee of 800 Points will be deducted from your Programme Account. Where there are insufficient balance Points in your Programme Account to carry out either your redemption or conversion request and/or the deduction of the above fee, your redemption or conversion request will be unsuccessful and you will not be charged the fee specified above. For avoidance of doubt, you will not be charged the above fee if you redeem or convert your Points online or through any other means.

7.5 Any dispute concerning goods or services received as a reward under the Programme shall be settled between the Card Member and the Service Establishment, which supplied the goods or services. American Express will bear no responsibility for resolving such disputes, or for the dispute itself.

7.6 American Express is not responsible for lost or stolen rewards, reward vouchers, certificates, or tickets.

7.7 Redeemed rewards are not exchangeable for other rewards, or refundable, replaceable, or transferable for cash or credit under any circumstances.

7.8 Once accrued Points in a Card Member’s Programme Account have been redeemed for any reward in the Programme including a transfer of Points to a participating Frequent Customer Programme, such Points cannot be refunded or transferred back into the Card Member’s Programme Account.

7.9 Information supplied on the redemption of rewards or transfer of Points to a Frequent Customer Programme may be used by American Express or the Service Establishments that provide the rewards for administrative and marketing purposes.

7.10 If you register, participate or enrol in various programmes, offers and/or events, Amex may in certain circumstances deduct Points from your Programme Account (e.g. as a reservation / cancellation fee) in accordance with such applicable terms and conditions.

7.11 American Express reserves the right to cancel, change or substitute the rewards or the rewards conditions at any time with or without notice.

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8. Redeeming Non-Frequent Traveller Rewards

8.1 All rewards are subject to availability and certain restrictions may apply. The redemption procedure and the terms and conditions applicable to each reward is set forth in the rewards voucher issued to the Card Member.

8.2 Any additional meals, transportation or accommodation arrangements made in connection with any reward will be the sole responsibility of the Card Member.

8.3 In the event that the reward takes the form of a cash coupon, should the Card Member purchase goods or services in excess of the value noted on the cash coupon, the Card Member must use the Card to settle payment or the difference to the participating Service Establishment.

8.4 Unless otherwise specified, the shopping reward in the form of a privilege card or a cash voucher cannot be used in association with other special offers offered by the Service Establishment or during sales.

8.5 Issuance of a dining or travel rewards voucher does not constitute a reservation. The rewards voucher holder is responsible for making all reservations and notifying the participating Services Establishment of the reward(s) they are going to redeem.

8.6 Other American Express Card benefits e.g. Centurion Travel Insurance, which are activated by Card use, do not apply to goods or services received as rewards under the Programme.

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9. Redeeming Frequent Traveller Rewards

9.1 Points may be converted into any one or more participating Frequent Customer Programmes.

9.2 To convert accrued Points to any participating Frequent Customer Programme the Card Member must first join or be a member of the applicable Frequent Customer Programme. Enrolment in such Frequent Customer Programme is the Card Member’s responsibility.

9.3 The conversion rates for Points into participating Frequent Customer Programmes, minimum Points transfers and incremental transfers vary among participating Frequent Customer Programmes and details are communicated on a regular basis. In any event, Card Members should telephone the Membership Rewards Customer Service Hotline for up to date details.

9.4 Frequent Traveller Rewards may be redeemed by Basic Card Members and points transferred only to Basic Card Member's account in the Frequent Customer Programme. Card Members are subject to and must comply with the terms and conditions applying to participating Frequent Customer Programmes in which they are enrolled.

9.5 American Express assumes no responsibility for Points converted from a Card Member’s Programme Account into a participating Frequent Customer Programme or for the actions of any participating airline or hotel in connection with its Frequent Customer Programme or otherwise.

9.6 Any airline’s or hotel’s participation in the Programme is subject to change with or without notice.

9.7 American Express Card travel insurance and benefits, including but not limited to those listed below, will not apply to flights taken with frequent flyer tickets, including frequent flyer tickets obtained by using Points converted from a Programme Account:

• Travel Accident Insurance
• Travel Inconvenience Reimbursement Plan, Card Member insurance and travel benefit programmes expressly offering an option for frequent flyer ticket coverage are an exception to the foregoing, but only if the Card Member has enrolled in such and has paid the fee for, and otherwise complied with the terms and conditions of the particular insurance programme.

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10. Points Purchase

10.1 Card Member may purchase up to a maximum of 20,000 Points per redemption. Points may be purchased in multiples of 1,000. Purchase must be accompanied by redemption of a reward in this Programme.

10.2 The cost of any Points purchased will be billed directly to the Card Member’s Card Account and will appear on his/her statement following the redemption

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11. Programme Account

11.1 If the Card Account or any Linked Account is not in good standing (overdue or in collection), the Card Member’s enrolment in the Programme may be cancelled or Points accrued in the Programme Account may be forfeited. A Card Member’s enrolment in the Programme may also be cancelled or Points accrued may be forfeited due to the Card Member’s failure to adhere to the terms and conditions governing the Card Account or the Programme.

11.2 If a Card Member cancels all Cards, or for any reason Amex cancels any Linked Account(s), any Points accrued in the Programme Account will be at the discretion of American Express be suspended and will not be capable of conversion or redemption. Such Points accrued in the Card Member’s Programme Account will be forfeited even when the Card Member reinstates any Card account(s), or if American Express reinstates the Linked Account(s) at any period of time after cancellation.

11.3 If an eligible Card Member who has more than one Card Account, voluntarily cancels any such Card account and at least one Card Account remains, any Points accrued in the Programme as a result of charges billed to the cancelled Card may be transferred to any remaining Card account in his or her name.

11.4 If the Card Account is terminated and for any reason;

11.4.1 The Card Member has no other American Express Card account which is valid and in good standing at that time, Programme Account(s) which are related to the cancelled Card Account(s) shall be terminated at the same time and any points accrued in the Programme Account will be forfeited on the date of account termination.
11.4.2 The Card Member has another American Express Card account which is valid and good standing at the time of cancellation, the Card Member may choose to:

i. terminate this participation in the Programme, in which case 11.4.1 shall apply; or
ii. continue with the Membership Reward Programme in which case the prevailing fee for enrolment in the American Express Membership Rewards Frequent Traveller Option or Non-Frequent Traveller Option shall be charged to the Card Member’s other American Express Card Account.

11.5 If a Card Member instructs to cancel his/her enrollment in the Programme, all Points accrued in the Programme Account which have not been redeemed or converted in accordance with the terms and conditions of the Programme shall, after 30 days from the time Amex receives instructions, be forfeited.

11.6 Transfer of points from Singapore to another overseas American Express Card Account is subject to conversion calculations and prevailing exchange rate at time of transfer. For more details, please contact American Express.

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12. General

12.1 American Express assumes no responsibility for any loss of whatever nature resulting from the redemption of either Frequent Traveller or Non-Frequent Traveller Rewards.

12.2 American Express can suspend or terminate the Programme at any time it deems necessary. In such a case, American Express shall give advance written notice to Basic Card Members.

12.3 American Express reserves the right to change the terms and conditions at any time.

12.3.1 American Express reserves the right to engage third party service providers in administering the Membership Rewards Programme.

12.4 Fraud and abuse relating to the earning of Points in the Programme or redemption of rewards including transfer of Points to participating Frequent Customer Programmes, may result in the forfeiture of accrued Points as well as cancellation of a Card Member’s Programme Account.

12.5 All questions or disputes regarding eligibility for the Programme or the eligibility of Points for accrual or redemption of rewards including transfer of Points to a participating Frequent Customer Programme will be resolved by American Express at its sole discretion.

12.6 The Programme Account is not transferable.

12.7 American Express’ failure to enforce a particular term or condition does not constitute a waiver of that term or condition by American Express.

12.8 These terms and conditions are to be read in conjunction with your Card terms and conditions.

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13. Governing Law

These Terms and Conditions are governed by Singapore Law.

The following Membership Rewards Terms and Conditions shall apply to individual Corporate Cards and Corporate Card Accounts

• 1. Definitions
• 2. Eligibility and Enrolment
• 3. Fees
• 4. Points Accrual (Either Frequent Traveller Option or Non Frequent Traveller Option)
• 5. Points Expiration
• 6. Notice of Accumulated Points
• 7. Points Redemption
• 8. Redeeming Non-Frequent Traveller Rewards
• 8A. Points for Credit
• 9. Redeeming Frequent Traveller Rewards
• 10. Programme Account
• 11. General
• 12. Governing Law

2. Eligibility and Enrolment

2.1 Participation in the Programme (either with or without Frequent Traveller Option) is open to all Card Members whose Card Accounts are billed in Singapore Dollars with the following exception:

(i) Corporate Card Members are eligible to enrol in the Frequent Traveller Option only. Enrolment is subject to the approval of the Corporate Card Member’s company and American Express. Enrolled Corporate Cards from the same company cannot be pooled into one Programme Account. Any points earned in respect of a Corporate Card accrue to the respective Corporate Card Member for his/her personal use and not to the Corporate Account.

2.2 Except as otherwise restricted herein, all Corporate Card Members enrolled in the Programme (either Frequent Traveller Option or Non-Frequent Traveller Option) and who have paid the applicable Membership Rewards Enrolment Fee may redeem Non-Frequent Traveller Rewards. Corporate Card Members who enrol in the Programme with Frequent Traveller Option may also redeem Frequent Traveller Rewards.

2.3 Only Corporate Card Accounts in good standing (i.e. not overdue or in collection) at the Enrolment Date are eligible for enrolment.

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3. Fees

3.1 The Membership Rewards Enrolment Fee for a Corporate Card shall be an annual fee of S$76.40.

3.2 American Express will bill the applicable Membership Rewards Enrolment Fee to the Primary Account on the Enrolment Date and automatically annually (“Anniversary Date”) thereafter (except in the case of reinstatement after 12 months of cancellation, where it will be billed on the reinstatement date). All Membership Rewards Enrolment Fees are non-refundable unless the Corporate Card Member requests cancellation of enrolment in the Programme no later than 30 days after the Anniversary Date. American Express may cancel or terminate enrolment in the Programme if the relevant Membership Rewards Enrolment Fee is not paid.

3.3 A request for the redemption or conversion of Points through the American Express customer service hotline will be subject to an additional fee specified in Clause 7.4 below.

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4. Points Accrual (Either Frequent Traveller Option or Non Frequent Traveller Option)

4.1 Subject to any the other Terms and Conditions set out below and any promotional offers and bonus programmes:

Corporate Cards

Individual Corporate Card Members enrolled in the Programme will accrue one point two five (1.25) points in the Programme Account for every full S$1.00 spent on eligible purchases of goods and services, charged and billed on the Corporate Card Account and Linked Accounts (if any) except for the following:

(i) Earn two (2) points for every full S$1.00 spent on foreign currency transactions which are eligible purchases of goods and services made in a currency other than Singapore Dollars;

(ii) Earn two (2) points for every full S$1.00 spent on eligible purchases on Amazon Web Services, Facebook Ads, Google Ads, Microsoft online store, transactions on the Grab mobile application (excluding any and all top up transactions on GrabPay);

(iii) Earn zero point five (0.5) points for every full S$1.00 spent at AIA and certain merchants designated by American Express including but not limited to Best Electricity, Geneco, Keppel Electric, Pacific Light, Sembcorp Energy, Senoko Energy, Sunseap Energy and Tuas Power;

(iv) Earn zero point two five (0.25) points for every full S$1.00 spent at SingTel and SP Utilities; and

(v) Any accelerated or bonus earn rate determined by American Express for tactical offers or promotions.

For the avoidance of doubt, these terms and conditions and the foregoing does not apply to the Membership Rewards Programme for corporate entities which are subject to the relevant terms and conditions for such Programme.

4.2 Notwithstanding Clause 4.1, points will not be accrued for non-eligible purchases or transactions. Please refer to the following websites for a list of non-eligible purchases or transactions, which is non-exhaustive and is subject to change from time to time:

Please visit go.amex/exclusionscorp.

4.3 Points accrued in a Programme Account are not the property of the Corporate Card Member and are non-transferable, whether by operation of law or otherwise, either to any other person or entity or Programme Account.

4.4 Points accrued in the Programme Account have no cash or monetary value.

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5.1 Non-Frequent Traveller Option Points and Frequent Traveller Option Points.

There is no expiry date for Points earned while participating in the Programme, as long as we receive your minimum payment for Credit Card(s) or full payment for Charge Card(s) by the due date set out in your statement and any of your Card Account(s) with us is not overdue.

American Express reserves the right to institute an expiry date for points whether Points have already been accrued or accrued thereafter.

If an enrollee later cancels enrolment, Points already earned that have not been redeemed for rewards or transferred to any participating Frequent Customer Programme, can be carried over for up to 30 days after cancellation. Any Points not redeemed by the end of 30 days after cancellation will be forfeited.

5.2 Non-Frequent Traveller Points Transferred to Frequent Traveller Option.

If Non-Frequent Traveller Rewards enrollees subsequently enrol in the Frequent Traveller Option, enrolees have to pay a transfer fee determined by American Express and notified to enrollees from time to time. However, if enrolees redeem all points already accrued before transferring to the Frequent Traveller Option, no Transfer Fee will be charged.

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6. Notice of Accumulated Points

6.1 American Express will notify the Corporate Card Member in the monthly Card statement of the Primary Account of the number of points accrued.

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7. Points Redemption

7.1 Points may be converted or redeemed provided all enrolled Linked Accounts are in good standing at the time of the redemption request (including a request to transfer Points to participating Frequent Customer Programmes).

7.2 Points accrued in the Corporate Card Member’s Programme Account can only be redeemed by the Corporate Card Member.

7.3 By redeeming a reward, the Corporate Card Member releases American Express, its subsidiaries and affiliates from any and all liability regarding the redemption or use of any reward, or other participation in the Programme.

7.4 Each time you call the American Express customer service hotline to request for a redemption or conversion of Points, a fee of 800 Points will be deducted from your Programme Account. Where there are insufficient balance Points in your Programme Account to carry out either your redemption or conversion request and/or the deduction of the above fee, your redemption or conversion request will be unsuccessful and you will not be charged the fee specified above. For avoidance of doubt, you will not be charged the above fee if you redeem or convert your Points online or through any other means.

7.5 Any dispute concerning goods or services received as a reward under the Programme shall be settled between the Corporate Card Member and the Service Establishment, which supplied the goods or services. American Express will bear no responsibility for resolving such disputes, or for the dispute itself.

7.6 American Express is not responsible for lost or stolen rewards, reward vouchers, certificates, or tickets.

7.7 Redeemed rewards are not exchangeable for other rewards, or refundable, replaceable, or transferable for cash or credit under any circumstances.

7.8 Once accrued points in a Corporate Card Member’s Programme Account have been redeemed for any reward in the Programme including a transfer of Points to a participating Frequent Customer Programme, such Points cannot be refunded or transferred back into the Corporate Card Member’s Programme Account.

7.9 Information supplied on the redemption of rewards or transfer of Points to a Frequent Customer Programme may be used by American Express or the Service Establishments that provide the rewards for administrative purposes.

7.10 American Express reserves the right to cancel, change or substitute the rewards or the rewards conditions at any time with or without notice.

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8. Redeeming Non-Frequent Traveller Rewards

8.1 All rewards are subject to availability and certain restrictions may apply. The redemption procedure and the terms and conditions applicable to each reward is set forth in the rewards voucher issued to the Corporate Card Member.

8.2 Any additional meals, transportation or accommodation arrangements made in connection with any reward will be the sole responsibility of the Corporate Card Member.

8.3 In the event that the reward takes the form of a cash coupon, should the Corporate Card Member purchase goods or services in excess of the value noted on the cash coupon, the Corporate Card Member must use the Card to settle payment or the difference to the participating Service Establishment.

8.4 Unless otherwise specified, the shopping reward in the form of a privilege card or a cash voucher cannot be used in association with other special offers offered by the Service Establishment or during sales.

8.5 Issuance of a dining or travel rewards voucher does not constitute a reservation. The rewards voucher holder is responsible for making all reservations and notifying the participating Services Establishment of the reward(s) they are going to redeem.

8.6 Other American Express Card benefits e.g. travel insurance, which are activated by Card use, do not apply to goods or services received as rewards under the Programme.

8A. Points for Credit

Points may be redeemed by the Corporate Card Member for a statement credit on the primary Card Account (the Card which your Points balance appears online). American Express may decline a Points for statement credit request at its sole discretion where any of your Card Account(s) with American Express is not in good standing. The redemption of Points for statement credit will be administered solely by American Express within 3 business days and cannot be reversed. Redeeming Points for statement credit is not redeemable for cash via a credit balance refund.

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9. Redeeming Frequent Traveller Rewards

9.1 Points may be converted into any one or more participating Frequent Customer Programmes.

9.2 To convert accrued Points to any participating Frequent Customer Programme the Corporate Card Member must first join or be a member of the applicable Frequent Customer Programme. Enrolment in such Frequent Customer Programme is the Corporate Card Member’s responsibility.

9.3 The conversion rates for Points into participating Frequent Customer Programmes, minimum Points transfers and incremental transfers vary among participating Frequent Customer Programmes as communicated by American Express. In any event, Corporate Card Members should telephone the Membership Rewards Customer Service Hotline for current details.

9.4 Frequent Traveller Rewards may be redeemed by Corporate Card Members and points transferred only to Corporate Card Member's account in the Frequent Customer Programme. Corporate Card Members are subject to and must comply with the terms and conditions applying to participating Frequent Customer Programmes in which they are enrolled.

9.5 American Express assumes no responsibility for Points converted from a Corporate Card Member’s Programme Account into a participating Frequent Customer Programme or for the actions of any participating airline or hotel in connection with its Frequent Customer Programme or otherwise.

9.6 Any airline’s or hotel’s participation in the Programme is subject to change with or without notice.

9.7 American Express Card travel insurance and benefits, including but not limited to those listed below, will not apply to flights or travel via frequent flyer tickets, including frequent flyer tickets obtained by using Points converted from a Programme Account:

• Travel Accident Insurance
• Travel Inconvenience Reimbursement Plan, Card Member insurance and travel benefit programmes expressly offering an option for frequent flyer ticket coverage are an exception to the foregoing, but only if the Corporate Card Member has enrolled in such and has paid the fee for, and otherwise complied with the terms and conditions of the particular insurance programme.

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10. Programme Account

10.1 If the Corporate Card Account or any Linked Account is not in good standing (overdue or in collection), the Corporate Card Member’s enrolment in the Programme may be cancelled or points accrued in the Programme Account may be forfeited. A Corporate Card Member’s enrolment in the Programme may also be cancelled or points accrued may be forfeited due to the Corporate Card Member’s failure to adhere to the terms and conditions governing the Corporate Card Account or the Programme.

10.2 If a Corporate Card Member cancels all Cards, or for any reason Amex cancels any Linked Account(s), any Points accrued in the Programme Account will at the discretion of American Express be suspended and will not be capable of conversion or redemption. Such Points accrued in the Corporate Card Member’s Programme Account will be forfeited even when the Corporate Card Member reinstates any Card account(s), or if American Express reinstates the Linked Account(s) at any period of time after cancellation.

10.3 If an eligible Corporate Card Member who has more than one Card Account, voluntarily cancels any such Card account and at least one Card Account remains, any Points accrued in the Programme as a result of charges billed to the cancelled Card may be transferred to any remaining Card account in his or her name which is valid and in good standing at that time.

10.4 If the Corporate Card Account is terminated and for any reason;

10.4.1 The Corporate Card Member has no other American Express Card account which is valid and in good standing at that time, Programme Account(s) which are related to the cancelled Corporate Card Account(s) shall be terminated at the same time and any points accrued in the Programme Account will be forfeited on the date of account termination.
10.4.2 The Corporate Card Member has another American Express Card account which is valid and good standing at the time of cancellation, the Card Member may choose to:

(i) Terminate this participation in the Programme, in which case 10.4.1 shall apply; or
(ii) Continue with the Programme in which case the prevailing and applicable Membership Rewards Enrolment Fee for enrolment in the American Express Membership Rewards Frequent Traveller Option or Non-Frequent Traveller Option shall be charged to such American Express Card Account.

10.5 If a Corporate Card Member instructs American Express to cancel his/her enrollment in the Programme, all Points accrued in the Programme Account which have not been redeemed or converted in accordance with the terms and conditions of the Programme shall, after 30 days from the time Amex receives instructions, be forfeited.

10.6 Transfer of points from Singapore to another overseas American Express Card Account is subject to our sole discretion and any conversion calculations and prevailing exchange rate at time of transfer. For more details, please contact American Express.

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11. General

11.1 American Express assumes no responsibility for any loss of whatever nature resulting from the redemption of either Frequent Traveller or Non-Frequent Traveller Rewards.

11.2 American Express can suspend or terminate the Programme at any time it deems necessary. In such a case, American Express shall give advance written notice to Corporate Card Members.

11.3 American Express reserves the right to change the terms and conditions at any time.

11.3.1 American Express reserves the right to engage third party service providers in administering the Programme.

11.4 Fraud and abuse relating to the earning of Points in the Programme or redemption of rewards including transfer of Points to participating Frequent Customer Programmes, may result in the forfeiture of accrued Points as well as cancellation of a Corporate Card Member’s Programme Account.

11.5 All questions or disputes regarding eligibility for the Programme or the eligibility of Points for accrual or redemption of rewards including transfer of Points to a participating Frequent Customer Programme will be resolved by American Express at its sole discretion.

11.6 The Programme Account is not transferable.

11.7 American Express’ failure to enforce a particular term or condition does not constitute a waiver of that term or condition by American Express.

11.8 These terms and conditions are to be read with your Corporate Card terms and conditions.

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12. Governing Law

These Terms and Conditions are governed by Singapore Law.

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