American Express True Cashback Card Rating & Review 2019 - Singapore

Cash Back on All Spend

Cash Back Cap

Min. Spend per month

Available

Excellent

Very Good

Satisfactory

Satisfactory

Promotions

MoneySmart Exclusive: Get up to S$60 CapitaLand Vouchers

Apply and receive approval for your American Express True Cashback card
Spend S$500 within the first month of Card Approval
New-to-Bank cardmembers will receive S$60 worth of CapitaLand vouchers
Existing cardmembers will receive S$30 worth of CapitaLand vouchers
Valid till 30 Jun 2019

Get S$80 Cash

Apply and receive approval for your American Express True Cashback card

IMPORTANT: After applying for your American Express True Cashback Credit Card, do not close your browser. You will need to save your 14 Digit Reference Number together with your contact details in order for us to process your Gift. Submit the necessary details HERE

Spend S$500 within the first month of Card Approval

Receive S$80 Cash credited to the bank account of your choice

Valid for New-to-Bank cardmembers only; till 31 May 2019; T&Cs

Get S$20 CapitaLand Voucher

Apply and receive approval for your new American Express card

Choose the MyInfo option on the application form and successfully use MyInfo to pre-fill the form

Receive S$20 CapitaLand Voucher upon approval of your new American Express card

Valid til 30 Jun 2019

Key features

1.5% Cashback on any purchase you make, anytime
First year fee waiver and 3% Cashback for the first 6 months up to $5000 spend
Eligible for use with Apple Pay, Google Pay, Samsung Pay

Cash Back

Excellent

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T&Cs

1.5% Cashback on any purchase you make, anytime
3% Cashback for the first 6 months up to $5000 spend
Enjoy first year fee waiver
Eligible for use with Apple Pay, Google Pay, Samsung Pay

Shopping

Very Good

Supports All Spend

1.5% Cashback on any purchase you make, anytime
3% Cashback for the first 6 months up to $5000 spend
Eligible for use with Apple Pay, Google Pay, Samsung Pay

Overseas Spending

Satisfactory

3% cashback on all spending for first 6 months up to $5,000
1.5% Cashback on any purchase you make, anytime
Eligible for use with Apple Pay, Google Pay, Samsung Pay
No Minimum spend and cap for 1.5% cash back
2.5% foreign currency transaction fee

Dining

Satisfactory

Exclusive Dining privileges with American Express Selects®

this link

T&Cs

Exclusive Dining privileges all around the world, all year round with American Express Selects®
1.5% Cashback on any purchase you make, anytime
3% Cashback for the first 6 months up to $5000 spend
Eligible for use with Apple Pay, Google Pay, Samsung Pay

Terms and conditions

Interest Rate & Late Payment Fees
Annual Principal Fee	$171
Supplementary Annual Fee	85.6
Fee Waiver	Available
Interest Free Period	22 days
Annual Interest Rate	25.90%
Late Payment Fees	S$90
Minimum Monthly Repayment	3% or S$50, whichever is higher
Foreign Currency Transaction Fee	2.50%
Foreign Check Fee	N/A
Cash Advance Transaction Fee	5%
Overlimit Fee	N/A

Eligibility
Singaporean Minimum Income	$30,000
Non-Singaporean Minimum Income	$60,000

Other
Card Association	American Express
Wireless Payment	Apple Pay, Samsung Pay, Google Pay