Earn up to 15 STAR$®

for every S$1 spent on eCapitaVoucher purchases, capped at S$1,200 monthly

Earn up to 20 STAR$®

at participating Merchants at Heartlands CapitaLand Malls

Earn up to 30 STAR$®

at participating Merchants in CapitaLand Malls in Town

All Details

• Key Features

  • Earn up to 1.5% rebate (awarded in 3X STAR$® or 15 STAR$®) for every S$1 spent on eCapitaVoucher purchases, capped at S$1,200 spent on eCapitaVoucher purchases per calendar month

  • Earn up to 2% rebate (awarded in 4X STAR$® or 20 STAR$®) for every S$1 spent on eligible purchases of goods and services in participating merchants in CapitaLand Malls in the heartlands, capped at S$1,200 of eligible spend calendar month

  • Earn up to 3% rebate (awarded in 6X STAR$® or 30 STAR$®) for every S$1 spent on eligible purchases of goods and services in participating merchants in CapitaLand Malls in town, capped at S$1,200 of eligible spend calendar month

  • Additional 5% rebate (awarded in 50 STAR$®) for every S$1 spent at participating STAR$® X’tra Partners in CapitaLand Malls – this is on top of the STAR$® that you earn across participating merchants at CapitaLand Malls

  • Earn 0.5% rebate (awarded in 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 with S$1,200 eligible spend per calendar month and complimentary Privileged Parking lots at participating CapitaLand Malls with min. S$1,800 eligible spend per calendar month.

  • At MoneySmart, we strive to keep our information accurate and up to date. This information may be different from what you see when you visit a financial institution, service provider, or specific product site. MoneySmart shall not be liable to compensate the Customer should the information is not as updated as our Partner.

Rewards

Excellent

• Earn up to 1.5% rebate (awarded in 3X STAR$® or 15 STAR$®) for every S$1 spent on eCapitaVoucher purchases, capped at S$1,200 spent on eCapitaVoucher purchases per calendar month

• Earn up to 2% rebate (awarded in 4X STAR$® or 20 STAR$®) for every S$1 spent on eligible purchases of goods and services in participating merchants in CapitaLand Malls in the heartlands, capped at S$1,200 of eligible spend calendar month

• Earn up to 3% rebate (awarded in 6X STAR$® or 30 STAR$®) for every S$1 spent on eligible purchases of goods and services in participating merchants in CapitaLand Malls in town, capped at S$1,200 of eligible spend calendar month

• Additional 5% rebate (awarded in 50 STAR$®) for every S$1 spent at participating STAR$® 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 with S$1,200 eligible spend per calendar month and complimentary Privileged Parking lots at participating CapitaLand Malls with min. S$1,800 eligible spend 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 1.5% rebate (awarded in 3X STAR$® or 15 STAR$®) for every S$1 spent on eCapitaVoucher purchases, capped at S$1,200 spent on eCapitaVoucher purchases per calendar month

• Earn up to 2% rebate (awarded in 4X STAR$® or 20 STAR$®) for every S$1 spent on eligible purchases of goods and services in participating merchants in CapitaLand Malls in the heartlands, capped at S$1,200 of eligible spend calendar month

• Earn up to 3% rebate (awarded in 6X STAR$® or 30 STAR$®) for every S$1 spent on eligible purchases of goods and services in participating merchants in CapitaLand Malls in town, capped at S$1,200 of eligible spend calendar month

• Additional 5% rebate (awarded in 50 STAR$®) for every S$1 spent at participating STAR$® 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 with S$1,200 eligible spend per calendar month and complimentary Privileged Parking lots at participating CapitaLand Malls with min. S$1,800 eligible spend per calendar month.

Shopping

Very Good

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

• Earn up to 1.5% rebate (awarded in 3X STAR$® or 15 STAR$®) for every S$1 spent on eCapitaVoucher purchases, capped at S$1,200 spent on eCapitaVoucher purchases per calendar month

• Earn up to 2% rebate (awarded in 4X STAR$® or 20 STAR$®) for every S$1 spent on eligible purchases of goods and services in participating merchants in CapitaLand Malls in the heartlands, capped at S$1,200 of eligible spend calendar month

• Earn up to 3% rebate (awarded in 6X STAR$® or 30 STAR$®) for every S$1 spent on eligible purchases of goods and services in participating merchants in CapitaLand Malls in town, capped at S$1,200 of eligible spend calendar month

• Additional 5% rebate (awarded in 50 STAR$®) for every S$1 spent at participating STAR$® 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 with S$1,200 eligible spend per calendar month and complimentary Privileged Parking lots at participating CapitaLand Malls with min. S$1,800 eligible spend per calendar month.

Dining

Very Good

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

• Earn up to 1.5% rebate (awarded in 3X STAR$® or 15 STAR$®) for every S$1 spent on eCapitaVoucher purchases, capped at S$1,200 spent on eCapitaVoucher purchases per calendar month

• Earn up to 2% rebate (awarded in 4X STAR$® or 20 STAR$®) for every S$1 spent on eligible purchases of goods and services in participating merchants in CapitaLand Malls in the heartlands, capped at S$1,200 of eligible spend calendar month

• Earn up to 3% rebate (awarded in 6X STAR$® or 30 STAR$®) for every S$1 spent on eligible purchases of goods and services in participating merchants in CapitaLand Malls in town, capped at S$1,200 of eligible spend calendar month

• Additional 5% rebate (awarded in 50 STAR$®) for every S$1 spent at participating STAR$® 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 with S$1,200 eligible spend per calendar month and complimentary Privileged Parking lots at participating CapitaLand Malls with min. S$1,800 eligible spend per calendar month.

Annual Interest Rate and Fees

Annual Principal Fee	S$172.80 (incl. of 8% GST with effect from 1 Jan 2023)​
Supplementary Annual Fee	First 2 Supplementary Cards fee permanently waived. S$86.40 (incl. of 8% GST with effect from 1 Jan 2023) for each subsequent Supplementary Card.​
Fee Waiver	Available
Interest Free Period	22 days
Annual Interest Rate	26.90%
Late Payment Fees	S$100
Minimum Monthly Repayment	3% or $50, whichever is higher
Foreign Currency Transaction Fee	2.95%
Foreign Check Fee	N/A
Cash Advance Transaction Fee	Handling fee of 5% of Card Member's withdrawal amount will apply for each withdrawal amount.
Overlimit Fee	N/A

Minimum Income Requirements

Singaporean/PR Minimum Income	Card application is subjected to customers meeting the regulatory minimum income requirement and internal assessment.
Non-Singaporean Minimum Income	Card application is subjected to customers meeting the regulatory minimum income requirement and internal assessment.

Card Association

American Express

Wireless Payment

Apple Pay
Samsung Pay
Google Pay

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