1.5%

Cash Back on All Spend

Unlimited

Cash Back Cap

^S$0

Min. Spend per month

All Details

• Key Features

  • Unlimited Cashback - No min spend & no cap

  • 3% Cashback for the first 6 months up to S$5,000 spend, and 1.5% Cashback on all purchases thereafter

  • Additional 1% Cashback on foreign currency spend. Valid from 4 August 2020 to 30 June 2021

  • Eligible for use with Apple Pay, Google Pay, Samsung Pay

Cash Back

Excellent

• 3% Cashback for the first 6 months up to S$5,000 spend, 1.5% Cashback on any purchase you make thereafter

• 2.5% Cashback on all foreign currency spend. Valid from 4 August 2019 to 30 June 2021

• Unlimited Cashback - No min spend & no cap

• First year fee waiver

Shopping

Very Good

• Book with American Express Cards and enjoy attractive offers on hotels and flight bookings: Up to 20% savings at participating hotels, 1.5% rebate on all flight bookings

• Exclusive shopping privileges all around the world, all year round with American Express Selects®

• up to 40% discount at outlets such as Phillips, Qoo10 & Alibaba

• 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

Dining

Very Good

• 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

Overseas Spending

Good

• 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%).

Annual Interest Rate and Fees

Annual Principal Fee	S$171
Supplementary Annual Fee	85.6
Fee Waiver	Available
Interest Free Period	22 days
Annual Interest Rate	26.90%
Late Payment Fees	S$90
Minimum Monthly Repayment	3% or S$50, whichever is higher
Foreign Currency Transaction Fee	2.95%
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

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Product Documents

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