Guide: AMEX Platinum Credit Card S$200 Fashion & Dining credit

In January 2026, the AMEX Platinum Credit Card launched its Fashion & Dining credit, a rebrand of the previous Lifestyle credit. 

This offers cardholders S$200 worth of statement credits, valid at a wide range of participating fashion and dining merchants including Club 21, Decathlon, MUJI, Peach Garden, Crystal Jade, Imperial Treasure and Pu Tien.

Assuming these merchants align with your regular spending habits, this credit can significantly offset the card’s S$327 annual fee. In fact, I’d argue that they’re superior to the statement credits offered by the AMEX Platinum Charge as they’re simpler, require minimal planning to use, and feel more like genuine savings rather than forced spending.

Registration for the 2026 Fashion & Dining credit is now live, so let’s go over the details of how to register and use it.

Overview: 2026 Platinum Fashion & Dining credit

Apply

Credit Enrolment

Principal AMEX Platinum Credit Cardholders will receive 2x S$100 credits, both of which can be used from the time of registration until 31 December 2026.

Any unused credits will not be rolled over to the following year, and will be forfeited.

To receive the credit, you must spend at least S$100 in a single transaction, in-store. For example, a single transaction of S$120 would trigger the credit, but two separate transactions of S$60 would not. You can pay with either the physical card, or the digitised version on your mobile phone. 

There is no time-out period between utilisations, so if you have a S$200 transaction, and the cashier is agreeable to split it into 2x S$100, you could even utilise both in the same visit.

This benefit is only for principal cardholders. Spending made on supplementary cards will not trigger the credits.

How to enrol for the credit

Prior to spending, cardholders must register their card via this landing page. 

• If you registered for the previous Lifestyle Credit in 2025, and your annual fee was billed between March and December 2025, you will be able to enrol immediately
• If you registered for the previous Lifestyle Credit in 2025, and your annual fee was billed between January and February 2025, or if you didn’t register for the Lifestyle Credit in 2025, you will only be able to enrol eight weeks after paying 2026/27’s annual fee

If you get an error message while trying to enrol your card, it’s almost certainly because you fall into the second category. 

The table below summarises the possibilities.

When are statement credits awarded?

Statement credits are usually awarded within 3-4 days of the transaction, but may take up to 60 days to post (unlikely, based on my experience).

Since this works as a rebate rather than a refund, you will still earn points for the full amount of spend (though the AMEX Platinum Credit Card is not particularly known for its earn rates anyway!).

For the avoidance of doubt, statement credits will not act as a contra to minimum spend for the purposes of welcome offers.

For example, if the minimum spend required for a welcome offer is S$1,000, and you spend the entire amount at a participating Fashion & Dining credit merchant, the S$100 statement credit you receive will not be deducted from the S$1,000 when computing minimum spend. 

What if my annual fee is waived?

It may be possible, under certain circumstances, to waive the AMEX Platinum Credit Card’s annual fee.

However, if you receive an annual fee waiver, you will not receive an enrolment link for the Fashion & Dining credit. This is strictly linked to the payment of the annual fee.

Which merchants are participating?

The full list of merchants participating in the 2026 Fashion & Dining credit can be found here.

Do pay special attention to the locations, because not every outlet may be participating. Online spending is explicitly excluded.

Fashion

Some of these merchants are also part of the 10Xcelerator programme, which offers AMEX Platinum Credit Card members an enhanced rate of 3.47 mpd, versus the usual 0.69 mpd. That may not sound as impressive as the 4 mpd of other cards, but believe me, this is already considered excellent by AMEX standards!

Dining

Love Dining partners

The Fashion & Dining Credit is stackable with Love Dining discounts; all that matters is the nett amount charged to the card.

For example, if I were to dine as a party of two and spend S$167 on food:

• The 50% Love Dining discount would cut the bill to S$83.50
• After 10% service charge and 9% GST, the bill becomes S$100.12
• This will trigger the S$100 Fashion & Dining Credit, making the total out-of-pocket cost just S$0.12

Note that some Love Dining restaurants (like Sen of Japan) apply the service charge and GST to the pre-Love Dining price, so your calculations will be slightly different in that case.

Michelin-Starred Restaurants

Established Dining Concepts

Established Chinese Dining Brands

Overview: AMEX Platinum Credit Card

AMEX Platinum Credit Card
Apply
Income Req.	Not stated	Points Validity	No expiry
Annual Fee	S$327	Min. Transfer	550 MR points (250 miles)
FCY Fee	3.25%	Transfer Fee	None
Local Earn	0.57 mpd	Points Pool?	Yes
FCY Earn	0.57 mpd	Lounge Access?	No
Special Earn	2.84 mpd on 10Xcelerator merchants	Airport Limo?	No
Cardholder Terms and Conditions

The AMEX Platinum Credit Card earns 2 MR points per S$1.60 spent (0.57 mpd) in Singapore or overseas, with an upsized 10 MR points per S$1.60 spent (2.84 mpd) at 10Xcelerator merchants.

Other benefits include:

• Up to 50% off dining at selected hotels and restaurants with the Love Dining programme
• 1-for-1 drinks with Chillax
• Complimentary green fees at more than 40 golf clubs in Singapore, Cambodia, Philippines, Malaysia, Indonesia, Thailand and Vietnam
• 12-month Comoclub C4 membership

American Express no longer publishes minimum income requirements for any of its cards, and all approvals are subject to internal review.

At the time of publishing, the AMEX Platinum Credit Card is offering a welcome gift of 43,750 bonus MR points (19,886 miles) to new-to-AMEX customers who spend at least S$1,000 within the first two months of approval. 

Conclusion

The 2026 Fashion & Dining credit offers AMEX Platinum Credit Card customers a S$200 spending spree, and the extensive range of participating restaurants and fashion brands should make it relatively easy to utilise.

What’s more, some of the participating merchants are part of Love Dining or the 10Xcelerator programme, allowing cardholders to stack additional discounts or bonus points.

This credit alone already covers 60% of the card’s annual fee, so together with Love Dining discounts, most cardholders should be able to get more out of the card than they pay.