American Express CapitaCard

Last updated: Aug 2023
30
Points Per Dollar

Reward Points

at participating CapitaLand Malls merchants
8
%

Cashback Retail

at STAR$ XTRA merchants
at STAR$® XTRA participating merchants. Receive 80 STAR$ per S$1 spent, equivalent to 8% cashback.
0.5
%

Cashback

on all eligible spend
at STAR$® XTRA participating merchants. Receive 65 STAR$ per S$1 spent, equivalent to 6.5% cashback and earn 5 STAR$® for every S$1 spent on eligible purchases outside CapitaLand Malls
Shopping
Dining & Entertainment
Annual Fee Waiver

Great for

  • Earn up to 15 STAR$® for every S$1 spent on eCapitaVoucher purchases, capped at S$1,200 per calendar month
  • Earn up to 20 STAR$® 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$1 spent on eligible purchases of goods and services in participating merchants in CapitaLand Malls in town
  • Additional 50 STAR$® when you spend at participating STAR$® X'tra Partners in CapitalLand Malls - this is on top of the STARS$® that you earn across participating merchants at CapitaLand Malls
  • Enjoy 3-hour complimentary parking at participating CapitaLand Malls when you spend S$1,200 a month

Need to know

  • STAR$® can only be redeemed for eCapitaVoucher in denominations of 5,000, 10,000 or 50,000 STAR$® only
  • STAR$® earned for spending at participating CapitaLand Malls are capped at S$1,200 per calendar month
  • Please note that while we strive to keep our information as accurate and up to date as possible, it occasionally may be different from what you see when you visit our Partner’s pages.

Year-round rewards

CASH REBATE
Dining Spending
6.5 %
at STAR$® XTRA participating merchants. Receive 65 STAR$ per S$1 spent, equivalent to 6.5% cashback
Retail Spending
8 %
at STAR$® XTRA participating merchants. Receive 80 STAR$ per S$1 spent, equivalent to 8% cashback.
Local Spending
1.5 %
at participating merchants in CapitaLand malls. Receive 15 STAR$ per S$1 spent, equivalent to 1.5% cashback
All Spending
0.5 %
at STAR$® XTRA participating merchants. Receive 65 STAR$ per S$1 spent, equivalent to 6.5% cashback and earn 5 STAR$® for every S$1 spent on eligible purchases outside CapitaLand Malls

Year-round benefits

OFFER 1
Enjoy Complimentary 3-hour parking
  • Enjoy Complimentary 3-hour parking per mall, per day across participating CapitaLand Malls 
  • Register all required details here and spend at least S$1,200 on eligible purchases of goods or services per calendar month
  • Terms and Conditions apply.

Eligibility

Minimum Age
21
Min. Annual Income
Card application is subjected to customers meeting the regulatory minimum income requirement and internal assessment

Fees

Annual Fee
S$172.80 (First Year Fee Waiver)
Foreign Currency Transaction Fee
2.95% (3.25% w.e.f. 1 Oct 2023)

Repayment

Minimum Payment
S$50 or 3% of the Total Balance, whichever is higher, and any overdue amount.
Late payment charge
S$100 if Minimum Payment Due is not received on or before the Payment Due Date.
Interest On Purchases
26.90% p.a. compounded (27.80% p.a. compounded w.e.f. 3 Oct 2023) if payment of the closing balance in your statements is not made in full; or 29.99% p.a. (3% p.a. on top of prevailing interest w.e.f. 3 Oct 2023) if your account has three or more defaults in the last 12 months
Interest On Cash Advance
26.90% p.a. compounded daily from date of withdrawal until the withdrawal amount and the relevant fees are paid in full
Interest Free Repayment Period
22 Days

Other information

Credit card type
American Express

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