Demo — invented data, read-only. Nothing here is anyone’s real spending.
RewardsMaxx
AMEX SINGAPORE AIRLINES BUSINESS
•••• 38054
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Last upload 12 Aug · statementLast transaction 25 Feb
HighFlyer points
0
Earned this cycle
Balance 429 HighFlyer points

This cycle

11
11 days left
26 Jul – 25 Augstatement · monthly · by posting date
Spend
S$0.00
Qualifying
S$0.00
Earned
0 mi
Transactions
0
Earned
0 mi

Every cycle so far

Earned (HighFlyer points)
6,362
Worth (miles)
6,362
Blended rate
1.97 mpd
Spend
S$3,225.73
Cycles
8
Lost to rounding
S$0.00
Blended rate divides by every dollar spent. That is what makes it the figure to compare cards on: it is what this card returned on everything you put through it.
Average S$460.82 over 7 cycles, excluding the cycle still running
  • Singapore Airlines and Scoot bookings · 2.00 mpd97%
  • Everything else · 1.20 mpd3%
CycleSpendStatement · HighFlyer pointsTotal rewards · milesHighest tierRateWasted
26 Feb – 25 MarS$0.00279279———
26 Jan – 25 FebS$139.2900100%0.00 mpd—
26 Nov – 25 JanS$2,973.675,9475,947100%2.00 mpd—
26 Oct – 25 NovS$0.0000———
26 Sep – 25 OctS$20.5925250%1.21 mpdS$20.59
26 Aug – 25 SepS$32.5339390%1.20 mpdS$32.53
26 Jul – 25 AugS$34.6242420%1.21 mpdS$34.62
26 Jun – 25 JulS$25.0330300%1.20 mpdS$25.03
Rate is total rewards over every dollar spent, so it moves with the “earned on” column rather than because the card changed.

Where this cycle went

No spend in this cycle yet.

Spend, last six months

Average S$0.00 over 5 months, excluding the month still running

Transactions

MCC marked ≈ is inferred from the merchant name rather than supplied by the bank. “≈ unused” means the inference was not confident enough to unlock a bonus, and “✓ yours” is one you recorded.
Record an MCC for a merchantIf your bank's app shows the real MCC, put it here. It outranks any inference but never the code the bank printed on the statement.
19 of 19 rows
  • AMT DEBITED TO YOUR BANK ACCT+S$171.85
    9 Marotherearlier · 26 Febnot_a_purchase
    0 HighFlyer points▸
  • PEACH AVIATIONS$139.29
    25 Febtravel_air4511contactlessearlier · 26 Jan
    279 HighFlyer points2.00/$sia-scoot▸
  • AMT DEBITED TO YOUR BANK ACCT+S$4,951.45
    5 Febotherearlier · 26 Jannot_a_purchase
    0 HighFlyer points▸
  • MERIDIAN AIR TAMPINESS$1,796.40
    16 Jantravel_air3075contactlessearlier · 26 Dec
    3,593 HighFlyer points2.00/$sia-scoot▸
  • MERIDIAN AIR TAMPINESS$1,177.27
    3 Jantravel_air3075contactlessearlier · 26 Dec
    2,355 HighFlyer points2.00/$sia-scoot▸
  • AMT DEBITED TO YOUR BANK ACCT+S$18.54
    5 Novotherearlier · 26 Octnot_a_purchase
    0 HighFlyer points▸
  • VIEWQWESTS$20.59
    17 Octtelco4814onlineearlier · 26 Sep
    25 HighFlyer points1.20/$base▸
  • AMT DEBITED TO YOUR BANK ACCT+S$446.72
    6 Octotherearlier · 26 Sepnot_a_purchase
    0 HighFlyer points▸
  • CARD ANNUAL FEES$376.36
    25 Sepotherearlier · 26 Augnot_a_purchase
    0 HighFlyer points▸
  • GSTS$39.64
    25 Sepotherearlier · 26 Augnot_a_purchase
    0 HighFlyer points▸
  • VIEWQWESTS$14.25
    17 Septelco4814onlineearlier · 26 Aug
    17 HighFlyer points1.20/$base▸
  • AMT DEBITED TO YOUR BANK ACCT+S$29.78
    5 Sepotherearlier · 26 Augnot_a_purchase
    0 HighFlyer points▸
  • FISH SOUP PARADISE RPS$18.28
    1 Sepdining5814earlier · 26 Aug
    22 HighFlyer points1.20/$base▸
  • VIEWQWESTS$23.70
    18 Augtelco4814onlineearlier · 26 Jul
    28 HighFlyer points1.20/$base▸
  • VIEWQWESTS$4.89
    11 Augtelco4814onlineearlier · 26 Jul
    6 HighFlyer points1.20/$base▸
  • AMT DEBITED TO YOUR BANK ACCT+S$17.28
    5 Augotherearlier · 26 Julnot_a_purchase
    0 HighFlyer points▸
  • FISH SOUP PARADISE RPS$6.03
    30 Juldining5814earlier · 26 Jul
    7 HighFlyer points1.20/$base▸
  • VIEWQWESTS$25.03
    19 Jultelco4814onlineearlier · 26 Jun
    30 HighFlyer points1.20/$base▸
  • AMT DEBITED TO YOUR BANK ACCT+S$156.03
    7 Julotherearlier · 26 Junnot_a_purchase
    0 HighFlyer points▸

Card facts

Counted byPosting date — the day it reached the bank, not the day you paidCycleStatement month, monthly
Income Req.S$30,000 p.a.Points Validity3 years
Annual FeeS$400Min. TransferN/A
Miles with Annual Fee6,000 HighFlyer points (second year onward)Transfer Partners1 (KrisFlyer)
FCY Fee3.25%Transfer FeeNone
Local Earn1.2 mpdPoints Pool?N/A
FCY Earn1.2 mpdLounge Access?No
Special Earn2 mpd on SIA Group*Airport Limo?No
* A further 6 mpd is available on Singapore Airlines commercial tickets depending on fare type, but that is awarded by SIA to your HighFlyer account, not credited by the card — this app counts only the 2 the card pays.

How this card earns

TierRateCap
Singapore Airlines and Scoot bookings2.00 mpduncapped
KrisShop and Pelago2.00 mpduncapped
Everything else1.20 mpduncapped
HighFlyer points → miles · no transfer block · no transfer fee · expires after 36 months
Rule notes and caveats
HOW IT EARNS
- 1.2 pts/S$ on everything, 2 on SIA and Scoot. Uncapped, no minimum.
- 1 HighFlyer point = 1 KrisFlyer mile.
- Rounding is to the NEAREST point: S$190.91 at 2 gave 382, not 381.

WATCH OUT
- The advertised "up to 8 points" is not all from the card. 5 are the
  HighFlyer corporate programme (earned however the ticket is paid for), 1 is
  a cardholder bonus, 2 are the card. Only the 2 appear on the statement, so
  only the 2 are modelled — which undervalues the card for SIA tickets
  against what you ultimately receive.
- The SIA/Scoot tier matches airline MCCs and merchant names, so a ticket
  bought through an agency falls to the base rate.
- THE POINTS PERIOD IS NOT THE STATEMENT PERIOD — it runs two days earlier at
  both ends. A purchase in the last two days is billed now and paid next
  cycle. `period.reward_offset_days: -2`.
- No statement is issued for a month with no transactions; the next one
  covers everything since the last. A gap in statements is not a gap in the
  record.

NOT MODELLED
- The 150,000 KrisFlyer miles/year conversion ceiling.

EVIDENCE
- All three cycles tie exactly: 8,040 / 0 / 382.
- Annual fee S$400 incl. GST, from the product page. (MoneySmart's S$1,744
  is a DIFFERENT Amex SIA card.)

Product

Approved oni

Not printed on a statement. Yours first appears on the statement to 25 Jul, so it was approved on or before then.
Leave it blank if you are not sure. A wrong date is worse than none — an expiry predicted from a guess would read as fact.

Usually paid by

Neither statements nor most app screens print how a payment was made, so most rows arrive with no channel at all. Nothing is assumed unless you say so here — assuming online by default made this card pay 4 mpd on restaurant dinners and six statements read up to 54% above what the bank actually paid. Set it only where it is true of the card. A channel you set on a single transaction always wins, and so does one worked backwards from a statement's printed reward total — that is arithmetic on what the bank actually paid, and this is a habit.“Only rows no statement has claimed” keeps the assumption to the cycle nothing else can speak for — app screenshots of spend the statement has not reached yet. When that statement arrives it supersedes those rows and the assumption is taken back off them, leaving the printed reward total to settle the channel. Use it on a card that prints one; use “every row” on a card where the habit is simply true of how you pay.

Cycle

Read off your statement where one has been imported. Only used by cards billed on a statement cycle rather than a calendar month.

Add from a screenshot

The current cycle has no statement yet, so nothing else can tell you how close you are to a minimum or a cap. Screenshot the transaction list in your banking app and upload it here — several consecutive scrolls are fine, in order.A points balance or expiry schedule works too — the yuu app's home and Expiring Points screens are read as readily as a transaction list. Reading them takes about half a minute per image: they go through the local model one at a time, so the page will sit still for a while. It is working.
Read on this machine by the local model — the images are never uploaded anywhere else. Rows land marked as coming from a screenshot, and the statement replaces them when it arrives rather than adding to them.

Statements

  • 26 Feb – 25 Mar
    26_Feb_2026_-_25_Mar_2026 Amex.pdf
    coordinatenot kept
  • 26 Jan – 25 Feb
    26_Jan_2026_-_25_Feb_2026 Amex.pdf
    coordinatenot kept
  • 26 Nov – 25 Jan
    amex.pdf
    coordinatenot kept
  • 26 Oct – 25 Nov
    26_Oct_2025_-_25_Nov_2025 Amex .pdf
    coordinatenot kept
  • 26 Sep – 25 Oct
    26_Sep_2025_-_25_Oct_2025 Amex .pdf
    coordinatenot kept
  • 26 Aug – 25 Sep
    26_Aug_2025_-_25_Sep_2025 Amex .pdf
    coordinatenot kept
  • 26 Jul – 25 Aug
    26_Jul_2025_-_25_Aug_2025 Amex .pdf
    coordinatenot kept
  • 26 Jun – 25 Jul
    26_Jun_2025_-_25_Jul_2025 Amex .pdf
    coordinatenot kept
The original PDFs, kept so you can check any figure here against the document it came from.

Terms and conditions

The documents this card's rules were written from, kept as downloaded. A T&C is revised in place — the page a rate was read off in March may say something else today and nothing here would change — so what is linked is OUR copy, with the date the issuer printed on it.Commentary is linked but deliberately not archived — it is someone else's writing, and a local copy of it is neither ours to keep nor evidence of anything. Refresh with npx tsx scripts/fetch-terms.ts --all.
RewardsMaxx