1. Promotion is valid from 1 January 2023 to 31 December 2024, both dates inclusive ("promotion period") via https://amex.applerewardsstore.com/sg ("Amex Apple Rewards Store" or "Site")
2. During the promotion period, Pay with Points redemption via SafeKey will be at a rate of 1,000 Membership Rewards points = S$6.00 credit (“Promotion”) via Amex Apple Rewards Store. Thereafter, the regular rate of 1,000 Membership Rewards points = S$5 credit will apply. 
   
3. The minimum points per redemption is 1,000 Membership Rewards points at any one time.
4. Promotion is only valid for Card Members with an Eligible Card. (“Eligible Card” refers to a personal American Express Card issued in Singapore by American Express International Inc. that is enrolled in the Membership Rewards Programme, excluding American Express Corporate Cards and American Express Cards issued by DBS and UOB banks.
5. To use Pay with Points redemption via SafeKey, Card Member needs to make a purchase on the Site, select the option to “View Pay with Points options” and confirm the amount the number of points by clicking “Use Points”.  
6. The credit will appear as a transaction on your Account Statement as “Safekey – OneEmpower – Apple Rewards Store” within 3 working days upon redemption.
7. Membership Rewards points redeemed through the Pay with Points feature via SafeKey will be awarded to you in the form of a credit to the Card Account to which the Eligible Purchase was originally charged, and that Card Account must be linked to the Membership Rewards account from which the Membership Rewards points are redeemed.
8. An Eligible Purchase is a purchase made using an Eligible Card accepted by Amex Apple Rewards Store or otherwise recognized by our systems as a charge to the Eligible Card.Please note that these products, services, merchants and categories are subject to change from time to time, without prior notice to you. Only items transacted via Site and displayed are Eligible Purchases. Non-purchase related charges such as service fees, late payment fees and interest rates are not considered Eligible Purchases.
9. Once purchase is confirmed, Membership Rewards points redeemed is non-refundable and non-exchangeable.
10. Basic Card Account must be in good standing, not cancelled for any reasons and enrolled in the American Express Membership Rewards Program.
11. Promotion is not applicable in conjunction with other offers, promotions, loyalty programmes and discounts, unless otherwise stated.
12. American Express in its sole discretion reserves the right to alter, replace or terminate these promotions at any time without prior notice or assigning any reason(s).
13. In the event of any suspicion of illegal activities in connection with the Promotion, including without limitation fraud or an attempt at deception, American Express is entitled to disqualify the participation of Card Member and report such activity to the relevant authorities.
14. Full Safekey Pay with Points Terms and Conditions apply. Please refer to go.amex/mrtncs for the Terms and Conditions.

Last updated: 1 January 2023