• 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
  • S$50 off first booking with Airbnb
  • Win 2 Business Class tickets to Sydney this October


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


  • 1.5% cashback on shopping


  • 1.5% cashback on entertainment


  • 1.5% cashback on grocery spends

Other Features

  • 24/7 Customer Care Professional
  • American Express Global Assist

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
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5% of amount withdrawn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 the true fuss-free cashback card, featuring 1.5% cashback with no capping and no minimum spending required! As a welcome token, cardmembers 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. From now till March 2018, all American Express cardmembers will also be automatically enrolled into a year-long lucky draw & stand to win a pair of business class tickets to 12 exciting destinations!

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 both principal and supplementary cards. Interest rate of 24.99% 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 Cash advance fee will be charged at 5% on amount withdrawn, plus a finance charge of 24.99% p.a. until full repayment.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!