S$1 = 15 STAR$®

on eCapitaVoucher purchases, capped at S$1,200 monthly

S$1 = 20 STAR$®

at participating Merchants at Heartlands CapitaLand Malls

S$1 = 30 STAR$®

at participating Merchants at Town CapitaLand Malls

All Details

• Key Features

  • Earn up to 15 STAR$® for every S$1 spent on eCapitaVoucher purchases, capped at S$1,200 spent on eCapitaVoucher purchases per calendar month

  • Earn up to 20 STAR$® for every S$1 spent on eligible purchases of goods and services in participating merchants in CapitaLand Malls in the heartlands

  • Earn up to 30 STAR$® for every S$1 spent on eligible purchases of goods and services in participating merchants in CapitaLand Malls in town

  • Additional 50 STAR$® at participating STAR$® X’tra Partners in CapitaLand Malls – this is on top of the STAR$® that you earn across participating merchants at CapitaLand Malls

  • Earn 5 STAR$® for every S$1 spent on eligible purchases outside CapitaLand Malls

  • Enjoy 3 hours complimentary parking per mall, per day across participating CapitaLand Malls when you spend S$1,200 per calendar month

Rewards

Excellent

• Earn up to 15 STAR$® for every S$1 spent on eCapitaVoucher purchases, capped at S$1,200 spent on eCapitaVoucher purchases per calendar month

• Earn up to 20 STAR$® for every S$1 spent on eligible purchases of goods and services in participating merchants in CapitaLand Malls in the heartlands

• Earn up to 30 STAR$® for every S$1 spent on eligible purchases of goods and services in participating merchants in CapitaLand Malls in town

• Additional 50 STAR$® at participating STAR$® X’tra Partners in CapitaLand Malls – this is on top of the STAR$® that you earn across participating merchants at CapitaLand Malls

• Enjoy 3 hours complimentary parking per mall, per day across participating CapitaLand Malls when you spend S$1,200 per calendar month

Grocery

Very Good

Supports all Grocery stores and bonus STAR$ at Cold Storage, FairPrice, Giant & Market Place in CapitaLand Malls

• Earn up to 15 STAR$® for every S$1 spent on eCapitaVoucher purchases, capped at S$1,200 spent on eCapitaVoucher purchases per calendar month

• Earn up to 20 STAR$® for every S$1 spent on eligible purchases of goods and services in participating merchants in CapitaLand Malls in the heartlands

• Earn up to 30 STAR$® for every S$1 spent on eligible purchases of goods and services in participating merchants in CapitaLand Malls in town

• Additional 50 STAR$® at participating STAR$® X’tra Partners in CapitaLand Malls – this is on top of the STAR$® that you earn across participating merchants at CapitaLand Malls

• Enjoy 3 hours complimentary parking per mall, per day across participating CapitaLand Malls when you spend S$1,200 per calendar month

Shopping

Very Good

Earn STAR$ on all spend, and bonus STAR$ at CapitaLand Malls

• Earn up to 15 STAR$® for every S$1 spent on eCapitaVoucher purchases, capped at S$1,200 spent on eCapitaVoucher purchases per calendar month

• Earn up to 20 STAR$® for every S$1 spent on eligible purchases of goods and services in participating merchants in CapitaLand Malls in the heartlands

• Earn up to 30 STAR$® for every S$1 spent on eligible purchases of goods and services in participating merchants in CapitaLand Malls in town

• Additional 50 STAR$® at participating STAR$® X’tra Partners in CapitaLand Malls – this is on top of the STAR$® that you earn across participating merchants at CapitaLand Malls

• Enjoy 3 hours complimentary parking per mall, per day across participating CapitaLand Malls when you spend S$1,200 per calendar month

Dining

Very Good

Earn STAR$ on all spend, and bonus STAR$ at CapitaLand Malls

• Earn up to 15 STAR$® for every S$1 spent on eCapitaVoucher purchases, capped at S$1,200 spent on eCapitaVoucher purchases per calendar month

• Earn up to 20 STAR$® for every S$1 spent on eligible purchases of goods and services in participating merchants in CapitaLand Malls in the heartlands

• Earn up to 30 STAR$® for every S$1 spent on eligible purchases of goods and services in participating merchants in CapitaLand Malls in town

• Additional 50 STAR$® at participating STAR$® X’tra Partners in CapitaLand Malls – this is on top of the STAR$® that you earn across participating merchants at CapitaLand Malls

• Enjoy 3 hours complimentary parking per mall, per day across participating CapitaLand Malls when you spend S$1,200 per calendar month

Annual Interest Rate and Fees

Annual Principal Fee	S$171
Supplementary Annual Fee	S$85.60
Fee Waiver	Available
Interest Free Period	22 days
Annual Interest Rate	26.90%
Late Payment Fees	S$90
Minimum Monthly Repayment	3% or $50, whichever is higher
Foreign Currency Transaction Fee	2.50%
Foreign Check Fee	N/A
Cash Advance Transaction Fee	5%
Overlimit Fee	N/A

Minimum Income Requirements

Singaporean/PR Minimum Income	S$30,000
Non-Singaporean Minimum Income	S$60,000

Card Association

American Express

Wireless Payment

Apple Pay
Samsung Pay
Google Pay

MoneySmart Promotions

MoneySmart Exclusive
Online Promotion