American Express True Cashback Card
Unlimited 1.5% cashback on eligible purchases with no minimum spend. New cardmembers receive 3% on the first S$5,000 during the first six months, then the standard 1.5% applies.
Benefits & important limits
- Unlimited 1.5% cashback on eligible purchases with no minimum spend. New cardmembers receive 3% on the first S$5,000 during the first six months, then the standard 1.5% applies.
- Cashback is credited on the same statement cycle. Excluded transactions, foreign-currency charges and any annual fee are assessed separately.
Fees & repayments
- Principal annual fee (GST included)
- S$174.40
- Fee waiver
- First 1 year waived; renewal follows issuer conditions.
Interest, late-payment and cash-advance fees are separate from annual fees. Check the current tariff before carrying a balance.
Eligibility & work passes
Age 21+. American Express states regulatory minimum-income requirements and internal assessment, rather than a single published salary figure for this product. Foreign applicants must provide passport, valid work pass, income and address evidence. Confirm the specific pass and salary requirement with American Express.
Principal age: 21+
Application documents ↗Overseas & FX fees
Foreign-currency purchases attract a 3.25% currency-conversion commission. Miles and cashback are earned separately and do not remove this fee. DCC uses the merchant’s conversion rate.
Pay in the merchant’s local currency when comparing network conversion. Dynamic Currency Conversion (DCC) uses the merchant’s rate; 0% issuer fees do not promise the interbank rate or remove merchant mark-ups, cash-advance charges or ATM fees.