American Express True Cashback Card

American Express True Cashback Card

Suited for big-ticket purchases, the American Express True Cashback Card allows you to earn up to 3% cashback on all eligible purchases on your first S$5,000 spent in the first 6 months.

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Card benefit

% cashback

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Enjoy up to 3% cashback on the first S$5,000 spent within the first 6 months; 1.5% cashback on all spending, with no cashback cap and no minimum spend required.

Annual Fee

S$ 174.4

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First Year Waived

Monthly Spend Required

None

Minimum Annual Income

Conditional

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Card application is subjected to customers meeting the regulatory minimum income requirement and internal assessment.

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Highlights

Card benefit

% cashback

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Enjoy up to 3% cashback on the first S$5,000 spent within the first 6 months; 1.5% cashback on all spending, with no cashback cap and no minimum spend required.

Annual Fee

S$ 174.4

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First Year Waived

Monthly Spend Required

None

Minimum Annual Income

Conditional

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Card application is subjected to customers meeting the regulatory minimum income requirement and internal assessment.

Offer Available

Apple AirPods Gen 4 (worth S$199)

Apple AirPods Gen 4 (worth S$199)

Welcome Offer

Apple AirPods Gen 4 (worth S$199)

Welcome Offer promotion runs until 30 July 2025.
Promotion is valid for new American Express credit cardmembers only.
Apply for the American Express True Cashback Credit Card through SingSaver, receive approval by 30 June 2025 and make a min. qualifying spend of S$500 within the first month of card approval to be eligible for reward.
Promotion does not stack with other Welcome Offers from AMEX.
Terms and Conditions apply.

S$120 eCapitaVoucher

S$120 eCapitaVoucher

Welcome Offer

S$120 eCapitaVoucher

Welcome Offer promotion runs until 30 July 2025.
Promotion is valid for new American Express credit cardmembers only.
Apply for the American Express True Cashback Credit Card through SingSaver, receive approval by 30 June 2025 and make a min. qualifying spend of S$500 within the first month of card approval to be eligible for reward.
Promotion does not stack with other Welcome Offers from AMEX.
Terms and Conditions apply.

Things to consider when choosing this card:

Things to consider

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No rebate cap

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No monthly spend required

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Travel insurance

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Annual fee waiver

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Benefits

Cashback

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Cashback Base Rate

1.5 %

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No minimum spend required. 3% cash back for the first S$5000 spend in the first 6 months.

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Cashback Local

1.5 %

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No minimum spend required. 3% cash back for the first S$5000 spend in the first 6 months.

flight

Cashback Overseas

1.5 %

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No minimum spend required. 3% cash back for the first S$5000 spend in the first 6 months.

restaurant

Cashback Dining

1.5 %

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3% on the first S$5000 spend in the first 6 months. 1.5% on all spend. No cashback cap. No min. spend required.

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Cashback Supermarket

1.5 %

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3% on the first S$5000 spend in the first 6 months. 1.5% on all spend. No cashback cap. No min. spend required.

local_gas_station

Cashback Petrol

1.5 %

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3% on the first S$5000 spend in the first 6 months. 1.5% on all spend. No cashback cap. No min. spend required.

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Cashback Retail

1.5 %

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3% on the first S$5000 spend in the first 6 months. 1.5% on all spend. No cashback cap. No min. spend required.

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Cashback Local Online Shopping

1.5 %

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3% on the first S$5000 spend in the first 6 months. 1.5% on all spend. No cashback cap. No min. spend required.

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Cashback Overseas Online Shopping

1.5 %

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3% on the first S$5000 spend in the first 6 months. 1.5% on all spend. No cashback cap. No min. spend required.

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Cashback Health

1.5 %

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3% on the first S$5000 spend in the first 6 months. 1.5% on all spend. No cashback cap. No min. spend required.

domain

Cashback Department Store

1.5 %

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3% on the first S$5000 spend in the first 6 months. 1.5% on all spend. No cashback cap. No min. spend required.

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Cashback Insurance

1.5 %

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3% on the first S$5000 spend in the first 6 months. 1.5% on all spend. No cashback cap. No min. spend required.

contactless

Cashback Contactless Spend

1.5 %

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3% on the first S$5000 spend in the first 6 months. 1.5% on all spend. No cashback cap. No min. spend required.

commute

Cashback Transport

1.5 %

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3% on the first S$5000 spend in the first 6 months. 1.5% on all spend. No cashback cap. No min. spend required.

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Quick Facts

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1.5% unlimited cash rebate on all spend with no minimum spend.

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3% Cashback up to a spending of $5,000 for first 6 months.

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Complimentary travel insurance.

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Cashback credited on the same statement month.

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Please refer to the American Express website (go.amex/singsaver) for the most up to date information on card benefits and its terms & conditions.

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Eligibility

Eligibility

Minimum Age

21 years old

Minimum Annual Income

Conditional

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Card application is subjected to customers meeting the regulatory minimum income requirement and internal assessment.

Monthly Spend Required

None

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Fees / Repayment

Fees

Annual Fee Waiver

1 year

Annual Fee

S$ 174.4

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First Year Waived

Foreign Currency Transaction Fee

3.25 %

Repayment

Minimum Payment

S$ 50

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S$50 or 3% of the Total Balance, whichever is higher, and any overdue amount.

Late Payment Charge

S$ 100

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S$100 if Minimum Payment Due is not received on or before the Payment Due Date.

Interest on Purchase

27.8 %

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27.80% p.a. compounded if payment of the closing balance in your statements is not made in full; or 3% p.a. on top of prevailing interest if your account has three or more defaults in the last 12 months

Interest on Cash Advance

26.9 %

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26.9% p.a. compounded daily from date of withdrawal until the withdrawal amount and the relevant fees are paid in full.

Interest Free Period

22 days

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Others

Association

American Express

Supported Payment Type

Google Pay

Apple Pay

Samsung Pay

Amex Pay

Tags

American Express True Cashback Card

American Express True Cashback Card

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