American Express True Cashback Card

Updated: 18 Aug 2026
Best for unlimited cashback on all spends
American Express True Cashback Card
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Ideal for
Big Spender
Card benefit
1.5- 3 % cashback
Annual Fee
S$174.40
Minimum Annual Income
Conditional
Supported Payment Network:
Supported Payment Type:

Highlights

SingSaver's Take

1.5% unlimited cash rebate on all spend with no minimum spend.
3% Cashback up to a spending of $5,000 for first 6 months.
Complimentary travel insurance.

Things to Consider

No rebate cap
No monthly spend required
Travel insurance

Benefits

Cashback Local
1.5 %
Cashback Dining
1.5 %
Cashback Supermarket
1.5 %
Cashback Retail
1.5 %
Cashback Local Online Shopping
1.5 %
Cashback Insurance
1.5 %
Cashback Petrol
1.5 %
Cashback Overseas Online Shopping
1.5 %
Cashback Health
1.5 %
Cashback Department Store
1.5 %
Cashback Contactless Spend
1.5 %
Cashback Transport
1.5 %
Cashback Overseas
1.5 %
Cashback Base Rate
1.5 %

Fees & Charges

Annual Fee
S$ 174.40
Foreign Currency Transaction Fee
3.25 %

Late Payment Charge
S$ 100

Installment Processing Fee
No processing Fee
Installment Rate
0 %
Up to 24 months

Eligibility

Monthly Spend Required
None
Minimum Annual Income
Conditional
Minimum Age
21 years old

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SingSaver Promo Code
Annual Fee
S$397.85
S$327
S$327
Cashback Local
0.6 %
0.6 %
Airmiles Base Rate
1.2 miles / dollar
0.69 miles / S$1.60 spent
0.69 miles / S$1.60 spent

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