• Min. Monthly Income


  • Interest Rate

    25.9% p.a.

  • Balance Transfer

    0% p.a.

  • Annual Fee


Featured Highlights
  • Enjoy 2.5% cashback on foreign currency spend with no minimum spend & no earning cap
  • 1.5% cashback on anything, anytime with no cashback cap
  • First year annual fee waiver
  • 3% cashback on all spend up to S$5,000 in the first 6 months!


  • 1.5% cashback on travel spends
  • Enjoy complimentary cabin upgrade on Genting Dream and World Dream upon card approval
  • Enjoy 2.5% cashback on foreign currency spend (do note that registration is required. )


  • 1.5% cashback on local currency spend on shopping


  • 1.5% cashback on dining spends
  • Access to global dining privileges with American Express Selects with discounts up to 50%


  • 1.5% cashback on grocery spends


  • 1.5% cashback on entertainment

Other Features

  • 24/7 Customer Care Professional
  • American Express Global Assist
  • Get up to $40 Capita Voucher for first two approved supplementary cards

Card Information

Annual Fee $171.20
Min. Monthly Income $2,500.00
Min. age for principal holder

21 and above

Min. age for supplementary holder

18 and above

Fee for supplementary holder S$85.60 (permanently waived for first two card)
Finance charges 25.90% p.a
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5% of amount withdrawn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 23.99% 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 the true fuss-free cashback card, featuring 1.5% cashback with no capping and no minimum spending required! As a welcome token, card members will enjoy 3% cashback in the first 6 months for a total spending of up to S$5,000. Basic card features aside, do expect a suite of extra benefits like American Express Selects global dining program, 24-hour customer care professional service, and global assist to help with any immediate requests you may have while being away from home country. Also, you can enjoy 2.5% cashback on foreign currency spend! T&Cs Apply.

Fees and Charges

Annual fee for principal card and supplementary card is S$171.20 and S$85.60 respectively. Annual fee will be waived for the first year for principal card, while first two supplementary card's annual fee will be permanently waived. On top of that, receive $20 Capita Voucher each for the first two approved supplementary card. Interest rate of 25.90% p.a. will be charged on outstanding balance if full payment was not made by the payment due date. Late payment charge will be S$60. Cash advance fee will be charged at 5% on amount withdrawn, plus a finance charge of 23.99% p.a. until full repayment.

Are You Eligible For American Express True Cashback Card?

To be eligible to apply for American Express True Cashback Card, you must be at least 21 years old with a minimum income of S$2,500 per month (for Singapore citizens & residents) or S$5,000 (for foreigners).

Looking for more options to choose from? Our credit card experts also recommend 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!