• Min. Monthly Income


  • Interest Rate

    24.99% p.a.

  • Balance Transfer

    0% p.a.

  • Annual Fee


Featured Highlights
  • 3x STAR$ across CapitaLand Malls
  • Complimentary/Privileged Parking
  • First year annual fee waiver and receive a welcome bonus of up to 50,000 STAR$ when you spend!
Insurance / Health


  • Up to 15 STAR$ for every S$1 spent at 15 CapitaMalls in Singapore
  • 5 STAR$ for every S$1 non-CapitaMall spend
  • All STAR$ earned are credited directly to your CAPITASTAR account
  • Complimentary or Privileged Parking with minimum S$1,200 or S$1,800 spent respectively
  • Up to 5,000 Bonus STAR$ with minimum S$888 spend in the first 6 months


  • 15% discounts on total food bill at Cherry Garden
  • 15% off total bill at Axis Bar and Lounge
  • Save up to 10% on à la carte food menu with minimum S$120 spend at Dancing Crab


  • 10% savings on Expedia hotel booking
  • Complimentary third night and USD25 hotel credit at Fairmont Singapore


  • Complimentary 1-on-1 trial lesson for Drums, Guitar, Vocals or Ukulele at Studio 72 Pte Ltd

Insurance / Health

  • Up to 35% savings on My VoyageGuard Travel Insurance

Other Features

  • American Express 24-hour Customer Care Professional
  • American Express Global Assist

Card Information

Annual Fee $171.2
Min. Monthly Income $2,500
Min. age for principal holder

21 and above

Min. age for supplementary holder

18 and above

Fee for supplementary holder S$85.60
Finance charges 24.99%
Goods & Services Tax (GST)

Inclusive in annual fee

Late payment charge


Cash advance amount

Up to 100% of credit limit

Cash advance charge

5% of amount withdrawn

Cash advance interest charge

Finance charges of 24.99% p.a. compounded daily until full repayment

Cashback Limit


Rewards points expiry


Product Review by iMoney Singapore

Enjoy higher earn rate of 3x STAR$

American Express CapitaCard allows you to earn STAR$ whenever you charge you card at any place. You will be earning up to 15 STAR$ for every S$1 spent at participating CapitaLand mall retailers, and an additional 5 STAR$ if you scan your receipts using the CAPITASTAR app or self-service kiosks. As a result, you will accumulate up 20 STAR$ for every dollar spent at CapitaLand Malls. In addition, you are entitled to earn 5 STAR$ for all other non-CapitaMalls spend. These accumulated STAR$ can be used to redeem for CapitaVoucher in the following denominations: 5,000 STAR$ - S$5 CapitaVoucher, 10,000 STAR$ - S$10 CapitaVoucher, and 50,000 STAR$ - S$50 CapitaVoucher. Lastly, you will also be rewarded with an attractive welcome bonus of up to 50,000 STAR$ with a minimum spend of S$888.

Fees and Charges

The annual fee for principal card is S$171.20; supplementary card is S$85.60. Annual fee waiver is given to principal and first two supplementary cards for the first year of subscription.Interest will be charged on outstanding balance for the card, which is 24.99% per annum. If full payment is not made by the payment due date, then 24.99% per annum of interest rate will be charged. Besides, this card also comes with late payment charge, which is S$60 per month. As for cash advance, 5% of the amount withdrawn will be charged, plus finance charge of 24.99% per annum on the amount withdrawn which will be calculated on a daily basis, until your payment is fully made.

Are You Eligible For American Express CapitaCard?

You are entitled for applying American Express CapitaCard, if your income is at least S$2,500 per month (if you are a Singaporean or Singapore permanent resident); or at least S$5,000 per month (if you are an expatriate). Principal card applicant must be 21 years old and above; supplementary card applicant must be 18 years old and above.

Looking for more options to choose from? Our credit card experts, also recommend you to check out other similar credit cards such as American Express Platinum Credit Card and Citibank Rewards Card, which may match your requirements. If you prefer to broaden your credit card search, see more American Express credit cards and start comparing today!