AMEX Platinum 10Xcelerator enrolment: How it works

The 10Xcelerator programme is a group of specially-curated merchants that offer bonus Membership Rewards (MR) points to AMEX cardholders, boosting the earn rate to as high as 7.8 mpd.

The 10Xcelerator programme has always been a passive benefit, but earlier this month, American Express announced that starting from 2025, active enrolment will be required.

I’ve gathered more details about how enrolment will work, and it turns out it’s a bit different from what many initially expected. Let’s break it down.

AMEX 10Xcelerator registration

From 1 January 2025, AMEX Platinum Reserve and AMEX Platinum Credit Card cardmembers will continue to earn the usual 3.47 mpd at 10Xcelerator merchants, without any minimum spend or cap. No card enrolment will be necessary.

However, AMEX Centurion and AMEX Platinum Charge cardmembers will need to enrol their cards to continue earning the current 8 and 7.8 mpd respectively. Cardmembers who fail to enrol will only be awarded 4.1 and 3.9 mpd respectively from January onwards. 

Card	Base Reward (no enrolment)	Bonus Reward (requires enrolment)
AMEX Centurion Card	10.5 MR points per S$1.60 4.1 mpd	10 MR points per S$1.60 3.9 mpd
AMEX Platinum Charge	10 MR points per S$1.60 3.9 mpd	10 MR points per S$1.60 3.9 mpd
AMEX Platinum Reserve	10 MR points per S$1.60 3.47 mpd	N/A
AMEX Platinum Credit Card	10 MR points per S$1.60 3.47 mpd	N/A
	No cap	Capped at S$16,000 per calendar year
The difference in earn rates is because AMEX Centurion and Platinum Charge cardmembers enjoy a rate of 400 MR points = 250 miles, versus 450 MR points = 200 miles for all other cardmembers.

For the avoidance of doubt, supplementary cardholders do not have their own 10Xcelerator cap. Transactions made on supplementary cards will still be eligible for 10Xcelerator bonuses, but the bonus cap is shared with the principal cardholder.

10Xcelerator bonuses apply regardless of whether you tap the physical card, or use it with a mobile wallet.

How to enrol?

From 1 January 2025, AMEX Centurion and Platinum Charge cardmembers can enrol for the 10Xcelerator programme via this link.

Only the principal cardholder needs to register. Supplementary cards will enjoy the upsized earn rates once the principal cardholder has registered.

Annual re-enrolment will be necessary, so expect to do this again once January 2026 comes round. 

Which merchants participate in 10Xcelerator?

Here’s the latest list of 10Xcelerator merchants. Do remember that bonuses may only apply for in-store transactions; be sure to read the details carefully for your merchant of choice.

Conclusion

From January 2025, AMEX Centurion and Platinum Charge cardmembers will be required to register their cards in order to earn their current bonuses at 10Xcelerator merchants.

AMEX Platinum Reserve and AMEX Platinum Credit Card cardmembers will continue to earn the usual 3.47 mpd, with no registration necessary.

Needless to say, there will inevitably be customers who get caught out by the changes. If you’re one of them, all I can say is that calling up customer service is unlikely to bear fruit. You can try if you want, but if it doesn’t succeed, please remember that the CSOs are not the ones making these decisions.

It’s somewhat annoying that a former core feature now requires opting in, but so long as the IT implementation is sound, I’m not going to lose much sleep over it.