The American Express Platinum Credit Card Bonus MCC Categories
The The American Express Platinum Credit 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 — ~2.84 MPD
10 MR per S$1.60 at named 10Xcelerator partners (merchant-list based, not MCC — see go.amex/10xceleratorsg). Bonus posts ~12 weeks after spend. No cap for this card.
| Category | MCC Codes | Top Merchants |
|---|---|---|
| 10Xcelerator Partners | All | Named luxury/dining/retail brands per Amex list |
Tips to Maximize The American Express Platinum Credit Card Rewards
- The 550 MR → 250 KrisFlyer miles conversion makes the base rate just 0.57 MPD — weak outside 10Xcelerator
- Points never expire while the account is open; forfeited on closure
- S$100 Fashion & Dining credit twice a year offsets the S$327 fee
- Bonus excludes third-party payments (Kris+, PayPal)
Frequently Asked Questions
Which MCCs are excluded from AMEX Platinum Credit?
AMEX publishes category exclusions (amex-sg-exclusions.pdf §2): cash advances, transfers, instalments, fees, insurance (except Amex channels), SPC, BUS/MRT, wallet top-ups, utilities, public hospitals, education and charity. No MCC codes published.
What is 10Xcelerator?
A rotating list of ~50 Amex partner brands (luxury retail, dining, hotels) earning 10x Membership Rewards points. It is merchant-name-based — CheckMCC cannot classify it via MCC; verify the brand list at go.amex/10xceleratorsg.
Is the AMEX Platinum Credit Card worth it?
Only if you spend heavily at 10Xcelerator partners and use the Fashion & Dining credits. At 0.57 MPD base, it should not be your primary miles card.
Last Updated: October 2026 | MCC codes and card rewards may change. Always verify with CheckMCC and your card issuer.