Is Amex credit card worth the annual charges?

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Definitely yes

Get Amex Membership Rewards Card (Annual fee waived off if you spend 150,000 every year)

Through website:
Joining fee 1000+GST
Annual fee 3500+GST

Through referral
Joining fee Nil+GST
Annual fee 1500+GST

Else, get Amex Smartearn if you want it just for American Express brand. It's annual fee is hardly 499+GST and annual fee will be waived off on spending 40k in a year

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