• Min. Monthly Income


  • Interest Rate

    24.99% p.a.

  • Balance Transfer

    0% p.a.

  • Annual Fee


Featured Highlights
  • 3% cashback on all spend up to S$5,000 in the first 6 months!
  • 1.5% cashback on anything, anytime
  • No cap on total cashback earned
  • First year annual fee waiver


  • 1.5% cashback on travel spends
  • Up to 20% savings with selected airlines
  • Enjoy S$50 off on your first Airbnb booking
  • Win 2 Business Class tickets to Denpasar (Bali)


  • 1.5% cashback on dining spends
  • Global dining privileges with American Express Selects
  • Up to 50% discounts on dining with selected partners
  • Enjoy 15% savings at Dolce Vita
  • Complimentary bottle of wine from Vineyard at Hort Park


  • 1.5% cashback on shopping
  • Up to 35% off on shopping with participating merchants
  • Receive up to S$15 savings at Guardian
  • Savings up to 15% off storewide & free shipping with YOOX
  • Receive US$15 Amazon Gift Card from TopCashback


  • 1.5% cashback on entertainment
  • 15% off on all à la carte services from Adeva Spa
  • Additional 15 minutes of spa treatment at Auriga Spa, Capella Singapore
  • Complimentary Play Gym sessions at Gymboree Play and Music


  • 1.5% cashback on grocery spends

Other Features

  • 24/7 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5% of amount withdrawn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

Endless Cashback For Everything!

American Express True Cashback Card is one of the best cards in market that allows you to earn 1.5% cashback with no minimum spending required. This card is specially designed for people who spend on everything such as shopping, dining, travel or entertainment. This allows you to maximise your cashback on all purchases regardless of any preferred category. What’s more exciting? There is no limit on the total cashback you can accumulate. So you’ll be earning as much cashback as you like without any condition. In addition, you will be able to enjoy welcome offer of 3% cashback upon spending up to S$5,000 within the first 6 months.

Fees and Charges

Annual fee for principal card and supplementary card is S$171.20 and S$85.60, respectively. However, annual fee will be waived for the first year for both principal and supplementary cards. 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 True Cashback Card?

To be eligible to apply American Express True Cashback Card, minimum monthly income for Singaporeans and permanent residents is S$2,500. While for foreigners, S$5,000. Applicant must be 21 years old for principal cardholder and at least 18 years old for supplementary.

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 ANZ Optimum World MasterCard Credit 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!