American Express True Cashback Card Rating & Review 2019 - Singapore

Key features

1.5% Cashback on all purchases
1% additional Cashback on foreign currency spend. Valid from 1 August 2019 to 30 June 2020
3% Cashback for the first 6 months up to S$5,000 spend
Unlimited Cashback - No min spend & no cap
First year fee waiver
Eligible for use with Apple Pay, Google Pay, Samsung Pay

Dining

Very Good

Exclusive Dining privileges with American Express Selects®

Exclusive Dining privileges all around the world, all year round with American Express Selects®
up to 15 - 20% discount at outlets such as Peach Garden, Taste of India, Mo Bar
1.5% Cashback on any purchase you make, anytime
3% Cashback for the first 6 months up to S$5,000 spend
Eligible for use with Apple Pay, Google Pay, Samsung Pay

Shopping

Very Good

Book with American Express Cards and enjoy attractive offers on hotels and flight bookings with ZUJI Singapore: 12% savings at participating hotels, 2% rebate on all flight bookings
Exclusive shopping privileges all around the world, all year round with American Express Selects®
up to 10% discount at outlets such as Brooks Brothers, Ogawa & Le Chocolatier
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

Welcome Offer– 3% or S$150 cash back when you meet min spend of S$5,000 within the first 6 months.
1.5% Cashback on any purchase you make
2.5% Cashback on foreign currency spend (1.5% + extra 1.0%).

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