Review: AMEX HighFlyer Card

Last Updated:

With virtually no exclusions (not even GrabPay top-ups) and an Accor Plus membership, this card is an easy decision for anyone who qualifies.

 ⚠️ From 4 April 2023, the AMEX HighFlyer Card will no longer award miles for GrabPay top-ups, insurance premiums, public hospital bills or utilities bills. Needless to say, this is a big nerf, and will have implications on whether or not you should get this card. This review will be updated once the new terms go into play.

Here’s The MileLion’s review of the AMEX HighFlyer Card (also known as the AMEX Singapore Airlines Business Credit Card), the business card for SMEs that might just trigger the entrepreneur in you.

While external (no more GrabPay-AXS) and internal (no more first year fee waiver) developments mean this isn’t quite the same outrageous deal it was from 2019-2022, I’d reckon it’s still an essential card for anyone who’s in a position to get it. 

AMEX HighFlyer Card
🦁 MileLion Verdict
☑ Take It
☐ Take It Or Leave It
☐ Leave It

With virtually no exclusions (not even GrabPay top-ups) and an Accor Plus membership, this card is an easy decision for anyone who qualifies.
👍 The good👎 The bad
  • The only card to still earn miles for GrabPay top-ups, hence a conduit to earn miles on normally-excluded transactions
  • Accor Plus membership with one free hotel night
  • Two free lounge visits
  • Limited to transferring 150,000 miles per year (and 30,000 miles per account)
  • No more first year fee waiver (though subsequent year waivers are possible)
💳 Full List of Credit Card Reviews

Overview: AMEX HighFlyer Card

Let’s start this review by looking at the key features of the AMEX HighFlyer Card

Income Req.S$30,000 p.a.Points Validity3 years
Annual FeeS$301.79
Min. TransferN/A
Miles with
Annual Fee
NoneTransfer PartnersHighFlyer
FCY Fee2.95%Transfer FeeNone
Local Earn1.8 mpdPoints Pool?N/A
FCY Earn1.8 mpdLounge Access?Yes
Special EarnUp to 8.5 mpd on SIA ticketsAirport Limo?No
Cardholder Terms and Conditions

How much must I earn to qualify for an AMEX HighFlyer Card?

The AMEX HighFlyer Card has an annual income requirement of at least S$30,000 p.a., the MAS-mandated minimum to hold a credit card in Singapore. 

The real barrier isn’t the income requirement, however. Because this is a business credit card, you’ll need a valid Unique Entity Number (UEN) to apply. This means registering your business with ACRA, be it a sole proprietorship, limited liability partnership or company. 

American Express does not require a minimum turnover nor number of employees- if you’re running a home business, giving tuition or engaged in some other side hustle, registering your business with ACRA would qualify you to apply. 

The S$30,000 minimum income need not come from the registered business itself. For example, I could earn S$30,000 from my day job with Company A, and have a separate side hustle with my own Company B. I could then apply for an AMEX HighFlyer Card on behalf of Company B, using my income from Company A to qualify. 

How much is the AMEX HighFlyer Card’s annual fee?

 Principal CardSupp. Card
First YearS$301.79S$99.93

The AMEX HighFlyer Card has an annual fee of S$301.79 for principal cards, and S$99.93 for supplementary cards. 

While the first year’s fee can no longer be waived, subsequent years’ fees are waivable, subject to approval. I’ve managed to secure fee waivers for the past two years with about S$30,000-40,000 annual spend, mostly on GrabPay top-ups and donations. 

How many miles do I earn?

🇸🇬 SGD Spend🌎 FCY Spend➕ Bonus Spend
1.8 mpd1.8 mpdUp to 8.5 mpd on SIA tickets


AMEX HighFlyer Cardholders earn:

  • 1.8 HighFlyer points every S$1 spent in Singapore Dollars
  • 1.8 HighFlyer points every S$1 spent in foreign currency

1 HighFlyer point is worth 1 KrisFlyer mile, so that’s an equivalent earn rate of 1.8 mpd for local and overseas spend. This makes the AMEX HighFlyer Card one of the highest-earning general spend cards on the market. 

UOB PRVI Miles1.42.4
AMEX HighFlyer Card1.81.8
OCBC 90°N MC1.32.1
Citi PremierMiles1.22.0
DBS Altitude1.22.0
AMEX KrisFlyer Ascend1.22.0*
AMEX KrisFlyer Credit Card1.12.0*
BOC Elite Miles1.02.0
KrisFlyer UOB Credit Card1.21.2
*June and Dec only, otherwise 1.1 mpd

All overseas transactions are subject to a 2.95% FCY fee.

Bonus Spend

The AMEX HighFlyer Card is marketed as earning up to 8.5 HighFlyer points per S$1 on Singapore Airlines and Scoot tickets, but this figure needs some breaking down. 

You actually earn only 2.5 HighFlyer points per S$1 from the AMEX HighFlyer Card itself. The remaining 6 HighFlyer points is comprised of:

  • The usual 5 HighFlyer points per S$1 awarded to all HighFlyer members
  • A bonus 1 HighFlyer point per S$1 awarded to HighFlyer members with the AMEX HighFlyer Card

Moreover, note that these 6 HighFlyer points per S$1 are not awarded on tickets issued in the V or K booking classes (Economy Lite). Tickets issued in the Q or N booking classes (Economy Value) will only be eligible for 50% accrual of HighFlyer points. 

HighFlyer points are not earned on award redemptions, so if you’re using the AMEX HighFlyer Card to pay for taxes and surcharges on award tickets, you’ll earn just 2.5 mpd.

When are HighFlyer points credited?

HighFlyer points are credited when your transaction posts, which generally takes 1-3 working days.

How are HighFlyer points calculated?

Here’s how you can work out the HighFlyer points earned on your AMEX HighFlyer Card.

Local SpendMultiply transaction by 1.8, then round to the nearest whole number
FCY Spend
Multiply transaction by 1.8, then round to the nearest whole number

The minimum spend to earn points is therefore S$0.28. 

If you’re an Excel geek, here’s the formulas you need to calculate points: 

Local Spend=ROUND (X*1.8,0)
FCY Spend
=ROUND (X*1.8,0)
Where X= Amount Spent

For the full list of formulas that banks use to calculate credit card points, do refer to these articles:

What transactions aren’t eligible for HighFlyer points?

One of the great things about the AMEX HighFlyer Card is how liberal it is with awarding points. The only transactions that don’t qualify are:

  1. Charges processed and billed prior to the Enrolment Date or charges prepaid on any Card Account prior to the first billing statement for that Card Account following the Enrolment Date
  2. Cash Advance and other cash services
  3. Finance charges – including Line of Credit charges and Credit Card interest charges
  4. Late payment and collection charges
  5. Tax refunds from overseas purchases
  6. Balance Transfer
  7. Instalment plans, except where American Express determines otherwise
  8. Annual membership fees
  9. Amount billed for purchase of HighFlyer Points to top-up your points balance
  10. Purchase and top-up charges for EZ-Link cards using American Express Cards
  11. Charges at merchants or establishments that are excluded by American Express at its sole discretion and notified by American Express to you from time to time

Everything else is fair game, whether it’s charitable donations, education, hospitals, government bills, insurance premiums, utilities, or even GrabPay top-ups. This makes the AMEX HighFlyer Card an excellent option for earning miles on transactions that wouldn’t normally qualify.

What if AMEX isn’t accepted? A simple workaround is to:

  • Use the AMEX HighFlyer Card to top-up a GrabPay account (earning 1.8 mpd in the process)
  • Spend your GrabPay balance via the GrabPay Mastercard

Unfortunately, GrabPay no longer supports AXS payments ever since 16 January 2023. This rules out earning miles on things like condo MCST fees, income taxes, and certain insurance premiums or government transactions. 

However, to the extent that Mastercard is accepted, you can use the AMEX HighFlyer Card + GrabPay Mastercard combination to earn miles on transactions that would normally not qualify:

  • Buying travel insurance
  • Making donations via or other charity portals that take cards
  • Paying tuition fees or other education-related expenses
  • Paying hospital or polyclinic bills
  • Paying insurance premiums (credit cards are normally accepted for first year premiums, though it depends on the underwriter)
  • Paying town council fees
  • Paying utilities bills

What do I need to know about HighFlyer points?

❌ Expiry↔️ Pooling✈️ Transfer Fee
3 yearsN/ANone


HighFlyer points expire after 3 years on the last day of the equivalent month in which they were earned.

For example, all HighFlyer points earned from 1-31 July 2023 would expire at 2359 hours Singapore time on 31 July 2026. 


This is the only credit card which earns HighFlyer points, so pooling is not relevant.

Transfer Fees & Partners

HighFlyer points earned from the AMEX HighFlyer Card are batched and automatically transferred to your HighFlyer account once per month, on your statement closing date. No transfer fees apply. 

HighFlyer points can be instantly converted to KrisFlyer miles at a 1:1 ratio, also with no transfer fees. However, some restrictions apply:

  • Each HighFlyer account can only be linked to a maximum of five selected KrisFlyer accounts for the purpose of converting HighFlyer points to KrisFlyer miles
  • Each HighFlyer account is only allowed to convert HighFlyer points to a maximum of 150,000 KrisFlyer miles per calendar year
  • Each selected KrisFlyer account may receive a maximum of 30,000 KrisFlyer miles converted from HighFlyer points per calendar year, regardless of which HighFlyer accounts the points are converted from

Is the per account conversion cap of 30,000 miles a deal-breaker? I don’t think so. If your primary use case for this card is to earn miles on transactions that wouldn’t otherwise qualify, that’s still 30,000 extra miles per year.

While technically speaking, only employees of your company can be added as corporate travellers, I’ve read reports of people successfully adding spouses or family members to help them cash out a further 30,000 miles per individual (subject to the overall 150,000 miles cap). 

What else can you do with HighFlyer Points?

In addition to KrisFlyer miles redemptions, HighFlyer Points can also be used for:

  • Paying for Singapore Airlines tickets and add-ons at a rate of 1,050 HighFlyer Points= S$10
  • Redeeming Scoot e-vouchers at a rate of 1,050 HighFlyer Points= S$10
  • Redeeming lounge passes at a rate of 5,000 HighFlyer Points= 1 lounge pass
  • Redeeming KrisFlyer Elite Gold status for a 12-month period for 150,000 HighFlyer Points

You can read the full details about each redemption option below.

What can you do with Singapore Airlines HighFlyer Points?

Other card perks

Annual spending bonuses

AMEX HighFlyer Cardholders who spend at least S$500 on Singapore Airlines or Scoot transactions within their first membership year will receive a bonus of 5,000 HighFlyer points. 

AMEX HighFlyer Cardholders who spend at least S$10,000 on Singapore Airlines or Scoot transactions within any membership year will receive a bonus of 15,000 HighFlyer points. 

In other words, spending S$10,000 on Singapore Airlines or Scoot transactions would earn you:

  • 20,000 bonus HighFlyer points in your first membership year
  • 15,000 bonus HighFlyer points in your second and subsequent membership years

Accor Plus membership

One of the highlights of the AMEX HighFlyer Card is the free Accor Plus Explorer membership, which includes one complimentary hotel night each year. 

This can be redeemed at hotels in Singapore and across Asia Pacific; I recently used my certificate for a free stay at the Sofitel Sydney Darling Harbour.

Accor Plus members also get access to the periodic Red Hot Rooms sale, which may be a good opportunity to book cheap staycation rates. I’ve seen the Fairmont Singapore going for as low as S$143 nett, and the Grand Mercure for as little as S$64 nett.

Prego at Fairmont Singapore

The other big draw of an Accor Plus membership are the dining discounts. The discount structure works like this:

  • 25% off dining: 1 member only
  • 50% off dining: 1 member and 1 guest
  • 33% off dining: 1 member and 2 guests
  • 25% off dining: 1 member and 3 guests
  • 15% off drinks in Asia

Some examples of participating Accor Plus restaurants in Singapore include Prego, Mikuni and Asian Market Cafe at the Fairmont, SKAI, The Stamford Brasserie, CLOVE, at Swissotel and The Cliff and Kwee Zeen at the Sofitel Sentosa Resort.

In fact, should you enjoy the benefits of an Accor Plus membership, it’s still cheaper to pay the AMEX HighFlyer Card’s annual fee instead of buying an Accor Plus Explorer membership (S$418). 

For those who have already received their AMEX HighFlyer Card, here’s how to go about activating your Accor Plus membership.

Lounge visits

AMEX HighFlyer Cardholders enjoy two complimentary lounge visits per membership year via Priority Pass. These visits can be used for the cardholder or his/her guests. Any visits beyond the complimentary entitlements will be billed at US$32 each. 

Two free lounge visits is par the course for entry-level cards in this segment. 

CardLounge Access?
AMEX KrisFlyer Ascend
(4 per year)
AMEX HighFlyer Card
(2 per year)
Citi PremierMiles
(2 per year)
DBS Altitude
(2 per year,
Visa version only)
AMEX KrisFlyer Credit Card
BOC Elite Miles
KrisFlyer UOB Credit Card
OCBC 90°N Card

KrisFlyer Elite Gold fast track

amex krisflyer ascend elite gold fast track

Cardholders who spend at least S$15,000 on purchases within the first 12 months of card approval will receive an automatic upgrade to KrisFlyer Elite Gold.

This benefit is only valid for the first year; subsequently, you’ll have to requalify by flying at least 50,000 elite miles in a 12-month membership period.

KrisFlyer Elite Gold confers additional benefits when flying on Singapore Airlines or Star Alliance carriers, such as:

  • A 25% bonus on KrisFlyer miles
  • Lounge access
  • Priority check-in
  • Priority boarding
  • Priority luggage handling and additional 20kg allowance

For more details on KrisFlyer Elite Gold benefits, refer to the post below.

Your complete guide to KrisFlyer Elite Gold benefits

Summary Review: AMEX HighFlyer Card


Until recently, the AMEX HighFlyer Card was a complete no-brainer to get. Why wouldn’t you, with a first year fee waiver, complimentary Accor Plus membership, and the ability to earn free miles on income tax payments, MCST fees, insurance premiums or any other bill payable on AXS?

Now, it’s not quite as sweet- you’ll have to pay the first year’s fee, and the nerfing of GrabPay-AXS has reduced the scope to earn free miles on bill payments. That said, so long as this card awards miles for GrabPay top-ups, you can still earn free miles on any bill payable with a Mastercard (or AMEX), including commonly-excluded categories like donations, education expenses, hospital bills, certain insurance premiums, utilities and more.

It’s for that reason I believe this card is still a must-have, because you should never say no to free miles (and if nothing else, the annual fee gets you an Accor Plus membership at a discount to retail price).

🦁 MileLion Verdict
☑ Take It
☐ Take It Or Leave It
☐ Leave It

Aaron Wong
Aaron Wong
Aaron founded The Milelion to help people travel better for less and impress chiobu. He was 50% successful.

Similar Articles




Featured Deals


Follow us