This is my Amex Platinum Charge Card Review. Above image: One of the many vouchers for Amex Platinum Charge Card holders

Update: a more recent post on this matter (October 2023) has been written. Check out this link here for details.

S$1728 annual fee: Is the Amex Platinum Charge card worth it?

 

Platinum Charge Card Review: American Express

Time for the Amex Platinum Charge card review – It’s been over a year since I’ve used the Amex Platinum Charge card, and my card was recently up for renewal. In the decision on whether to renew the card or not – a huge factor is the hefty annual fee of SGD 1712. 

I’ve always thought of  the card as unrivalled in terms of lifestyle perks offered.

The card undoubtedly comes with HUGE lifestyle benefits – massive hotel and dining perks – think complimentary hotel stays, elite statuses, preferential treatment and dining discounts. There’s also unlimited airport lounge visits (not that it’s relevant in this covid-19 times), complimentary membership at Tower Club and Nook by Platinum, complimentary spa treatments, and a whole host of other perks.

Platinum Charge Card by American Express: summary of Amex benefits as of late 2021

Is the card worth the cost of SGD 1712 per annum? Let’s review it right here.

I’ve also linked to another blog post – comparing the differences in benefits between 2020 and 2021, if anyone’s interested do check that out too. 

Amex Platinum Charge Card benefits: a comparison between 2021 vs 2020 benefits from American Express

How I put a valuation: I’m generally going to take the minimum valuation – for example, if the value of an experience (e.g. hotel, dining) can vary between S$100 to S$200, I would take the LOWER value. This is to ensure that it’s truly worth paying the S$1712 per annum – a higher quantum may over-inflate the value of the card.

Inspired by this post and want to apply for an American Express credit card? Apply through one of my referral links and receive either bonus Membership Rewards points or statement credit:

Disclaimer: the views and opinions expressed on this page are that of Happy High Life and may not necessarily reflect the position of American Express. Happy High Life is not responsible for any decisions made by readers. The terms and conditions for each credit card's application and usage may be subject to change by American Express. Therefore, readers are recommended to check any matters with American Express or its partners; the list of all benefits of the Platinum Charge Card can be found here.

~ HOTEL BENEFITS: COMPLIMENTARY STAYS

These were the Hotel Benefits that my family and I enjoyed over the past year:

 

1) Complimentary stay at Capella Singapore 

In 2020, upon payment of the annual fee, Amex Platinum Charge Card holders received this welcome gift: a One night complimentary stay at Capella Singapore (Premier Garden View Room) 

Capella Singapore review: Birthday staycation in Premier Garden View Room. Complimentary stay from American Express

Typically, a 2D1N stay at Capella (Premier Garden view room) will set you back about S$800 to S$1200, depending on the season. Redeeming this complimentary stay was a real treat. 

 

Description Value

A 2D1N stay at Capella (Premier Garden view room) will typically cost between S$800 to S$1200

As such, the minimum valuation wil be set at S$800

S$800
Note: as this is a welcome gift for a credit card sign up, the gift is subjected to change by American Express. Currently, as of September 2021, the welcome gift is an Omni Desk.  

 

2) Complimentary stay at St. Regis Singapore 

This was a complimentary hotel stay voucher.

In 2020, Platinum Charge Card holders could choose either a stay at St. Regis Singapore or W. Singapore Sentosa Cove.

We chose the complimentary stay at the St. Regis Singapore ( Executive Deluxe Room)

Benefits could be stacked with Marriott Bonvoy gold status, which comes as part of the Elite hotel status perks with the Platinum Charge card as well.

To date, the Capella Singapore and St. Regis Singapore have given my family two of our best local staycation experiences – and I’m so grateful that we had a chance to experience them. 

St Regis Singapore review: Executive Deluxe King room

 

Description Value

A 2D1N stay at St. Regis Singapore, Executive Deluxe Room, will typically cost between S$400 to S$550

As such, the minimum valuation will be set at S$400

S$400

Note: In 2021, W hotel is no longer part of the complimentary hotels redemption. Instead, card holders will choose a  complimentary one night hotel redemption from one of the following hotels instead – Within Singapore: The Ritz Carlton Millenia, the Fullerton Hotel Singapore, Mandarin Oriental Singapore, and St. Regis Singapore. There are also hotels outside of Singapore (mostly Banyan Tree properties) however they are likely irrelevant as travel is limited due to COVID19.

 

 

3) Complimentary 3D2N Stay at Capri by Fraser, Changi City

There is a complimentary 3D2N stay every Card Membership year at participating Frasers Hospitality properties worldwide. With the Amex Platinum Charge Card, the moment one pays the annual fee of S$1712, all other credit cards have their annual fee waived. As I do not pay the annual fee of S$535 for the Platinum Reserve card, the hotel voucher was literally complimentary.

Capri by Fraser Changi City review: complimentary stay from American Express

When the covid19 pandemic hit, travel was out of the question, and our option was limited to a local staycation within Singapore.

 

Description Value

A typical 2D1N stay at Capri by Fraser, Changi, can cost between S$120 to S$200 per night, which for a 3D2N stay works out to a range of between S$250 to S$400.

My minimum valuation for the complimentary redemption: S$250.

S$250
Note: Before booking, it is recommended to contact the hotel to check if it’s been assigned as a dedicated SHN (Stay home notice) facility; in the past a significant portion of Capri by Fraser Changi City has been designated as such, so do confirm the hotel’s availability before making any bookings.  

 

Complimentary Hotel Stays: Total value

In this American Express Platinum Charge Card review, for this category, the value of what I have gained from the past year of using the card adds up to be S$1450.

 

All Complimentary Hotel Stays Value
Capella Singapore (Premier Garden View Room), 2D1N S$800
St. Regis Singapore (Executive Deluxe Room), 2D1N S$400
Capri by Fraser, Changi City (Studio Deluxe Room), 3D2N S$250
Total Value for Complimentary Hotel Stays  S$1450

 

Inspired by this post and want to apply for an American Express credit card? Apply through one of my referral links and receive either bonus Membership Rewards points or statement credit:

Disclaimer: the views and opinions expressed on this page are that of Happy High Life and may not necessarily reflect the position of American Express. Happy High Life is not responsible for any decisions made by readers. The terms and conditions for each credit card's application and usage may be subject to change by American Express. Therefore, readers are recommended to check any matters with American Express or its partners; the list of all benefits of the Platinum Charge Card can be found here.

~ OTHER HOTEL PERKS

1) Elite Status in Hotel Programmes 

With the Amex Platinum Charge card, currently, card members receive Elite Hotel statuses in four hotel membership programmes: Hilton Honors, Marriott Bonvoy, DISCOVERY, and Radisson Hotels. 

Over the past years, I’ve enjoyed the Hilton Honors Gold status the most. This includes stays at Hilton Singapore, Conrad Centennial Singapore, Doubletree by Hilton Johor Bahru and Hilton Kuala Lumpur.

Among these places – I recommend the Conrad Centennial Singapore; the Executive Lounge there is one of the better ones here.

Hotel Review: Conrad Singapore – Centennial King Suite

 

Description Value

With Gold status, for many of my stays at Hilton Properties, I’ve received

  • Complimentary room upgrade to next room category
  • Complimentary breakfast
  • Executive lounge access if upgraded to a room of executive category
  • 80% bonus Hilton Honors points for every stay

Complimentary breakfast is especially useful, and room upgrades are always a wonderful bonus to have. 

S$300

 

2) Special Weekend Rate at Fairmont Singapore 

With the Amex Platinum Charge card, there are a bunch of special weekend rate vouchers for stays at Fairmont, Swissotel the Stamford, and Swissotel Merchant court. 

Fairmont Signature King Suite review: special weekend rates with American Express

With the voucher, my family and I enjoyed a 3D2N stay at Fairmont Singapore at a rate of S$270 per night (not including taxes and fees).

 

Description Value

Typically, one night in Fairmont Singapore (Deluxe Room) can cost between S$400 in low periods and can increase to S$700 during peak periods.

My valuation: the price difference between the amex voucher rate and actual rate would be at a minimum valuation of S$100 / night, or S$200 in total for two nights.

S$200

 

3) SGD 400 in Hotel Stay Credits

The Amex platinum charge card provides S$800 worth of credits – out of which S$400 are for Air Travel and S$400 are for Hotel Lodging credits.

For the S$400 Hotel Lodging credits, it was used to offset a staycation at Fullerton Singapore.

Fullerton Staycation review: Premier Courtyard Room. SGD400 hotel stay credits with Amex Platinum Charge card.

The stay was booked online via the Amex Travel website, and I applied the Lodging credits directly to lower the cost of my family’s stay at Fullerton Singapore.

 

Description Value
The stay was booked online via the Amex Travel website. I applied the Lodging credits directly to lower the cost of my family’s stay at Fullerton Singapore. S$400

Note: As of July 2021, the S$400 Hotel credits can be additionally stacked with Fine Hotels and Resorts (FHR) benefits.

Updated: Check out how I enjoyed my FHR benefits at a stay at Shangri-la Singapore.

Shangri La Singapore review: staycation at Child-friendly hotel with large indoor playground (Buds by Shangri-la), and outdoor mini water theme park (Splashzone)

 

 

Other Hotel Benefits: Total value

In this American Express Platinum Charge Card review, for this category,  the value of what I have gained from the past year of using the card adds up to be:

 

All Other Hotel Perks Value
Elite Status in Hotel Programmes S$300
Special Weekend Rate at Fairmont Singapore S$200
S$400 Lodging Credit S$400
Total Value for Other Hotel Benefits  S$900

 

~ DINING BENEFITS

1) S$200 Dining Vouchers at St. Regis Singapore

I’ve dined at St. Regis Singapore so many times that the staff practically recognizes my whole family by now. Be it having the Set Lunch or A la carte menu at Brasserie Les Saveurs, or enjoying pizza at LaBrezza, this is one place that I highly recommend for an amazing dining experience.

LaBrezza review – St. Regis Singapore has the best pizza you can find in a hotel

The best part: These vouchers can be stacked with Love Dining Benefits

 

Description Value
S$200 vouchers for dining in at St. Regis Singapore (S$50 denominations x 4) S$200

Note: Currently, in late 2021, the S$200 dining vouchers for St. Regis no longer exist. They have been replaced with the following:

  • S$100 vouchers at Jaan by Kirk Westaway (S$50 denominations x2) and
  • S$100 at Violen Oon Singapore (S$50 denominations x2).
 

 

2) S$100 Dining Vouchers at Tower Club Singapore

Tower club – went there with the husband to have the set menu at Atlantic. 

Got a set meal for x2 pax, and used the S$100 to offset the cost.

Tower Club: Atlantic set lunch review. SGD100 off with American Express

With views of the Marina Bay area, a power executive lunch menu suitable, and upscale furnishings, this place is THE place to have meetings and business dealings.

 

Description Value
S$100 vouchers (x1) for dining in at Tower Club Singapore S$100
Note: Amex Platinum Charge card holders have complimentary access to Tower Club as well as use of the meeting rooms (booking required, subjected to availability)  

 

3) Complimentary cake / bottle of wine at selected partners

  • Platinum Charge Card holders: Redeem a Complimentary cake / bottle of wine at Fairmont, Swissotel the Stamford, or Swissotel Merchant Court (x2 vouchers)
  • Platinum Reserve Card holders: Redeem a bottle of wine at Napoleon (x1 voucher), Burlamacco Ristorante (x1 voucher), and Praelum Wine Bistro (x1 voucher)

I’ve got BOTH these cards, and hence managed to claim the benefits from both cards.

Platinum Charge Card redemption: used this to redeem mostly cakes. For example – when my husband and I dined at Mikuni at Fairmont, we got the complimentary cake there.

Do note that cake redemptions require about a 48 hour notice. The cake is either a mango mousse or chocolate truffle, and my preference is for the latter (well, chocolate…). The cakes can be enjoyed either while dining in or takeaway.

For Platinum Reserve Card redemptions, I had mentioned earlier that with the Amex Platinum Charge Card, the moment one pays the annual fee of S$1712, all other credit cards have their annual fee waived. As I do not pay the annual fee of S$535 for the Platinum Reserve card, all benefits with the platinum reserve card are literally complimentary.

 

Description Value

Cake, valued at S$40 each, x2

S$80
Wine, valued at S$30 each, x3 = S$90  S$90
Total S$170

 

4) Love Dining benefits

I’ve used the card extensively for Love Dining benefits in high-end hotels and several upscale restaurants. (Including places such as St. Regis Singapore, Fairmont Singapore, Swissotel the stamford, and other distinguished dining establishments). It’s an amazing benefit whereby discounts for dining go up to 50% off. 

In this American Express Platinum Charge Card review, over the past year, this is the list of my personal love dining experiences.

     

    Love Dining Hotels Love Dining Restaurants

    Fairmont Singapore

    Marriott Tang Plaza Hotel (Singapore)

    Regent Singapore

    Swissôtel The Stamford

    The Capitol Kempinski Hotel Singapore

    The St. Regis Singapore

    All Restaurants and  Dining establishments here are sorted in alphabetical order:

     

    Assessing the value of the Amex Love Dining programme is a tricky one. I have used the Love Dining benefits so many times that I’ve lost track of how much I’ve saved as a result of the card; the total is easily over S$2000. (FYI: There are MANY times that I have used Love Dining, just that those posts didn’t make it to the blog, mainly because the dining was repetitive).

    Additionally, the Love Dining experiences of my supplementary card holder – while the benefits were reaped, these are not calculated in the total value.

    But… in the end, I decided to be strict, so this is how I’ve assessed it’s value:

       

      Description Value

      Given that there’s a basic American Express Platinum Card (Not to be confused with the Platinum Charge card or Platinum Reserve) – that comes with Love Dining benefits, and this card costs $321 a year… I’m going to value the Love Dining benefits at $321. 

      Because that is the lowest price that Love Dining benefits can be purchased for.

      S$321
      Want to apply for the American Express Platinum Card alone? Use this referral link and receive referral perks / bonuses when you apply!  

       

      Dining Benefits: Total value

      Adding on to this American Express Platinum Charge Card review, in the Dining category, the value received from usage of the card adds up to:

       

      All Dining Benefits  Value
      S$200 Dining Vouchers at St. Regis Singapore S$200
      S$100 Dining Vouchers at Tower Club Singapore S$100
      Complimentary cake / bottle of wine at selected partners S$170
      Love Dining benefits S$321
      Total Value for Dining Benefits  S$791

       

      ~ OTHER LIFESTYLE BENEFITS

      1) Spa Visitations

      There are three spa vouchers that come with the Amex Platinum Charge Card

      Adeva Spa

      • One voucher for complimentary triple de-stress massage (Valued at $190)
      • 25% off for other a la carte services

      The Ultimate

      • One voucher for complimentary facial – hyaluronic firming face spa (Valued at $160)
      • 50% off other a la carte services

      Spa Rael

      • One voucher for complimentary facial – Collagen face spa (Valued at $400)
      • 30% off other a la carte services

      What I did was to simply go for all complimentary spa treatments. The services and treatment itself was great, but depending on where you go the staff can be a little pushy with trying to make customers buy huge packages after a complimentary session. 

       

      Description Value

      Technically, the total value of the facials here are – $190 + $160 + $400 = $750

      My valuation: However, I would personally give a value of SGD $150 per treatment. Because there’s a regular spa that I already frequent, and that place has facials generally costing about S$150, and they are good enough. I am unwilling to fork out more for a similar or more premium experience.

      My valuation therefore, is : S$150 x 3 = S$450

      S$450

       

      2) Random Promotions and Discounts offered by American Express

      Occasionally, American Express will release promotions that card members can save to their card to use later. These are sometimes Platinum Charge Card only, such as a recent S$350 credit given to Platinum Charge Card members. 

      Amex Complimentary Dining credits of SGD350 for Platinum Charge Card

      However, general benefits for almost all other Amex cards also pop-up randomly every now and then. These include cashback at hotels (including one specific to Conrad and Waldorf Astoria), various other shopping and dining cashback promotions, and even rebates from grocery stores.

      Hotel discounts: Spend with American Express to get statement credits at Hilton, Marriott Bonvoy, Hyatt, Millennium Hotels and Resorts, Ramada by Wyndham Singapore, and The Unlimited Collection by Oakwood

       

      Description Value

      This is a strict estimate of the discounts I’ve gotten out of these random promotions

      • S$300 Grocery cashback
      • S$350 Dining Credits 
      • S$100 Hotel cashback
      • S$100 other dining and shopping benefits
      S$850

       

       

      3) Airport Lounge Visitation

      With American Express, one of the key benefits is unlimited access to airport lounges worldwide. Complimentary unlimited priority pass membership is given – I had to use the Amex Platinum Charge card to apply for it separately for me and my supplementary card holder, but it was generally hassle free. 

       

      Description Value

      Amex Platinum Charge card holders receive a complimentary unlimited Priority Pass membership – for both the principal card holder and ONE supplmentary card holder.

      Lounge programs and partners include:

      • The Centurion Lounge
      • International American Express Lounges
      • Priority Pass
      • Delta SkyClub
      • Plaza Premium Airport Lounge

      Here’s the kicker: Due to limited travel during COVID19, I only managed to used this ONCE. 

      So, while the valuation of the unlimited-visit priority pass membership is much higher, my personal valuation would only reflect that for ONE visit.

      S$30

       

      Lifestyle Benefits: Total value

      In this last section of the American Express Platinum Charge Card review, in the Lifestyle category, the value received from usage of the card adds up to:

       

      All Lifestyle Benefits  Value
      Complimentary Spa Treatments S$450
      Random Promotions by American Express S$850
      Airport Lounge Visitation S$30
      Total Value for Lifestyle Benefits  S$1330

       

      ~ PLATINUM CHARGE CARD REVIEW: OVERALL BENEFITS

      Clearly, the Platinum Charge Card is unparalleled when it comes to hotel, dining, and lifestle benefits. To sum up the value of all the benefits highlighted so far: 

       

      Overall Benefits: A Summary Value
      Complimentary Hotel Stays S$1450
      Other Hotel Benefits S$900
      Dining Benefits S$791
      Other Lifestyle Benefits S$1330
      Total Overall Value Utilized  S$4471

       

      ~ PLATINUM CHARGE CARD REVIEW: IS IT WORTH PAYING THE ANNUAL FEE OF S$1712?

      For me, yes, the card is definitely worth it. Despite having an annual fee of S$1712, I received benefits of S$4471 in return. The returns are is a little over 2.5 times the annual fee. 

      This is NOT the kind of credit card where there is zero annual fee and you maybe get S$20 in annual benefits. The American Express Platinum Charge Card is a LIFESTYLE card above all – it caters to those who enjoy the high life – those who love fine dining and hotel stays. 

      So, in choosing to renew the card, did I fully utilize it? Yes and No – Yes because I did use the card to a hugely remarkable extent. But were the benefits that I did NOT use? Absolutely. The underutilized benefits, for me, were the following.

      Platinum Charge Card by American Express: summary of Amex benefits as of late 2021

      ~ BENEFITS UNUSED: PLATINUM CHARGE CARD REVIEW

      1) Chillax! By Amex.

      Chillax features perks such as huge discounts or 1-for-1 Drinks. See here for the full list of participating drinking places.

      Given that for part of the year, I was first pregnant and then breastfeeding, drinking was out of the question. (As well as late night drinking – there isn’t any energy to hang out as late as the pre-kids era!) Hopefully in the near future, this would change

      2) Not all Dining vouchers were used

      Some of the dining vouchers were happily enjoyed, and some were unfortunately left untouched. These voucherse were left to expire as I couldn’t use them by the deadline: 

      • 50% off 8-10 Adults dining at either Asian Market Cafe (Fairmont), Clove (Swissotel the Stamford), or Ellenborough Market Cafe (Swissotel Merchant Court)
      • 50% off on high tea buffet for 2-6 persons at Marriott Cafe (Monday to Friday)
      • $50 off at participating restaurants at Marriott Tang Plaza Hotel (with minimum spend $100)
      • Complimentary bottle of house wine with 4 paying adults for buffet lunch or dinner at Marriott Cafe.
      amex platinum charge card marriott voucher

      3) Sadly, I had about S$400 worth of  unutilized Air Travel credits (gasp!), and completely did not use the IAP (International Airline Programme).

      Thanks to covid19, the pandemic made it super hard to travel. It is a real pity – the IAP offers special/discounted airfares on Business and First class flights. Participating airlines include: Singapore Airlines, American Airlines, Japan Airlines, British Airways, Qatar Airways, Etihad Airways, Emirates.

      4) Fine Hotels and Resorts (FHR)

      It’s such a pity – Amex has a wonderful programme. FHR benefits includes the following: 

      • Complimentary breakfast for two daily
      • Room upgrades at check-in, subject to availability
      • 12pm check-in, subject to availability
      • 4pm late check-out – this is promised
      • Hotel credits – USD 100, for use during stay at either spa or dining.

      Bonus: FHR benefits can be combined with benefits of hotel loyalty programmes.However, after I renew the card, in 2021, I do have an FHR stay at Shangri La Singapore later in the year – so definitely looking to try out FHR benefits after the card renewal.

      Update Nov 2021: Stayed in Shangri-la Singapore using Amex FHR benefits, and it was an amazing stay. Read more about it here.

      Shangri La Singapore review: staycation at Child-friendly hotel with large indoor playground (Buds by Shangri-la), and outdoor mini water theme park (Splashzone)

      ~ FINAL WORDS

      In spite of a few unusused benefits – it doesn’t bother me at all. It shows that the card is extensively beneficial and caters to a wide variety of lifestyle benefits. Rather than dwell on the perks that I did not use, I want to focus on the good memories and great times my family and I had because of the Amex Platinum Charge Card

      The biggest thing that came out of the American Express Platinum Charge Card Review: is that countless wonderful memories were made with my family – in both staycations or dining – and nothing can ever replace that. I can recall how my children enjoy themselves – how they look forward to staycations,  and how their faces light up when we enter a hotel room. I see the joy on my husband’s face when we dine out and a beautiful dish is served to us – how can you put a value to that?

      I am grateful for American Express for having this card,  and I’m SO looking forward to use the travel benefits when the covid19 pandemic ends.

      Would I be renewing the card? 100% yes, and here’s to looking forward to use it for another year.

      P.S.  I have followed up with a blog post comparing the 2020 benefits with the new 2021 ones. Check out the link below for that!

      Amex Platinum Charge Card benefits: a comparison between 2021 vs 2020 benefits from American Express

      P.S.S.  I highly recommend the Amex Platinum Charge Card as well to ANYONE who’s looking for a bit of the finer things in life – use it well and you won’t be disappointed. 

      Apply for an American Express credit card and get bonus points!

      Image Source: American Express

      Inspired by this post and want to apply for an American Express credit card? Apply through one of my referral links and receive either bonus Membership Rewards points or statement credit:

      Disclaimer: the views and opinions expressed on this page are that of Happy High Life and may not necessarily reflect the position of American Express. Happy High Life is not responsible for any decisions made by readers. The terms and conditions for each credit card's application and usage may be subject to change by American Express. Therefore, readers are recommended to check any matters with American Express or its partners; the list of all benefits of the Platinum Charge Card can be found here.

      Want more of HappyHighLife? Follow me on Social Media!

      Enjoy reading food and restaurant reviews? Click here to navigate to all dining reviews in this blog. 

       

      Love this post? Share it with others on Social Media!

      Pin It on Pinterest