The American Express Platinum Charge Card Bonus MCC Categories
The The American Express Platinum Charge Card earns bonus rewards when you spend at merchants with specific MCC (Merchant Category Code) codes. Here's a breakdown of which categories earn bonus rates:
1. 10Xcelerator Partners (enrolled) — ~5 MPD
20 MR per S$1.60 at named 10Xcelerator partners after annual enrolment, on the first S$16,000 of partner spend per calendar year. Above the cap (or unenrolled): 10 MR/S$1.60 (~2.5 MPD). Merchant-list based, not MCC.
| Category | MCC Codes | Top Merchants |
|---|---|---|
| 10Xcelerator Partners (enrolled) | All | Named luxury/dining/retail brands per Amex list |
2. Singapore Airlines / Scoot Direct — 1.25 MPD
5 MR per S$1.60 on Singapore Airlines and Scoot flights booked direct.
| Category | MCC Codes | Top Merchants |
|---|---|---|
| Singapore Airlines / Scoot Direct | All | Singapore Airlines, Scoot |
Tips to Maximize The American Express Platinum Charge Card Rewards
- Issuer transfer table is 550 MR = 250 miles — at the repo's 0.4 mi/MR convention the base is 0.50 MPD, not the 0.63 MPD quoted on some review sites
- Enrolment in the annual 10Xcelerator bonus (go.amex/bonusmrenrolment-plat) is mandatory for the 20 MR rate
- Education exclusion does NOT apply to The Platinum Card — it earns on education spend unlike most Amex cards
- Includes hotel elite status, lounge access and dining credits that offset the S$1,744 fee for frequent travellers
Frequently Asked Questions
Which MCCs are excluded from AMEX Platinum Charge?
AMEX publishes category exclusions (amex-sg-exclusions.pdf): cash advances, balance transfers, instalments, fees, insurance (except Amex channels), SPC, BUS/MRT, wallet top-ups, utilities, public hospitals. Unlike other Amex cards, the education/non-profit exclusion does NOT apply to The Platinum Card.
What is the AMEX Platinum 10Xcelerator rate?
Enrolled: 20 MR per S$1.60 (~5 MPD at 0.4 mi/MR) on the first S$16,000 of partner-brand spend per calendar year. Unenrolled or above the cap: 10 MR per S$1.60 (~2.5 MPD). Bonus posts ~12 weeks later; must pay the partner directly.
Is the S$1,744 AMEX Platinum fee worth it?
For frequent travellers the lounge access, hotel status and dining credits can exceed the fee. As a pure miles-earn card it is weak (0.5 MPD base) — the value is in 10Xcelerator and travel benefits.
Last Updated: October 2026 | MCC codes and card rewards may change. Always verify with CheckMCC and your card issuer.