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AMEX True Cashback Card

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Summary

American Express True Cashback Card

The American Express True Cashback Card offers unlimited cash back with very few restrictions. Cashback can be earned from various categories with no minimum spend. High spenders especially can and should take advantage of the welcome bonus cash back rate of 3.0%.

SingSaver Exclusive Promotion: Receive $150 Upsized Cash via PayNow

  • Promotion is valid for new AMEX cardmembers only
  • Apply and make a min. spend of S$500 spend within 1 month of Card approval
  • Promotion valid till 31 March 2024
  • Promo is NOT stackable over AMEX True Cashback Card BAU
  • Terms and Conditions. Click here
  • Receive 1x chances to win a pair of Round Trip Business Class tickets to Tokyo (worth S$13,144) in our March Madness Grand Lucky Draw! Terms and Conditions. Click here

Why you should apply for American Express True Cashback Card

  • Unlimited Cashback: American Express True Cashback Card owners enjoy 1.5% Cashback on all eligible purchases with no cap and no minimum spend
  • New sign-ups can enjoy double the cashback at 3%, for their first 6 months. Limited to S$5,000
  • Enjoy Cashback across a wide category of purchases
  • Free travel insurance benefits of up to S$350,000 when you purchase your air ticket with American Express True Cashback Card
  • Earn an additional 1% cashback on Foreign Currency Purchases
  • Receive the cashback immediately in the same month's statement
  • Please note that while we strive to keep our information as accurate and up to date as possible, it occasionally may be different from what you see when you visit our Partner’s pages.

Frequently Asked Questions

Can you enjoy annual fee waiver for American Express True Cashback Card?

  • Yes, the annual fee for the American Express True Cashback Card of $174.40 (inclusive of GST) is waived for the first year

Who should apply for the American Express True Cashback Cards?

  • Big spenders that will usually hit the ceiling on most cash back credit card limits.
  • Fuss-free credit card users due to its Straight-forward, and simple cashback mechanics that does not require you to track any categories or remaining available cashback
  • Travellers who indulge indulge in overseas spending

Find out about the card's host of benefits, charges, promotions and eligibility criteria below.

...see more

Popular Products

Summary

American Express True Cashback Card

The American Express True Cashback Card offers unlimited cash back with very few restrictions. Cashback can be earned from various categories with no minimum spend. High spenders especially can and should take advantage of the welcome bonus cash back rate of 3.0%.

SingSaver Exclusive Promotion: Receive $150 Upsized Cash via PayNow

  • Promotion is valid for new AMEX cardmembers only
  • Apply and make a min. spend of S$500 spend within 1 month of Card approval
  • Promotion valid till 31 March 2024
  • Promo is NOT stackable over AMEX True Cashback Card BAU
  • Terms and Conditions. Click here
  • Receive 1x chances to win a pair of Round Trip Business Class tickets to Tokyo (worth S$13,144) in our March Madness Grand Lucky Draw! Terms and Conditions. Click here

Why you should apply for American Express True Cashback Card

  • Unlimited Cashback: American Express True Cashback Card owners enjoy 1.5% Cashback on all eligible purchases with no cap and no minimum spend
  • New sign-ups can enjoy double the cashback at 3%, for their first 6 months. Limited to S$5,000
  • Enjoy Cashback across a wide category of purchases
  • Free travel insurance benefits of up to S$350,000 when you purchase your air ticket with American Express True Cashback Card
  • Earn an additional 1% cashback on Foreign Currency Purchases
  • Receive the cashback immediately in the same month's statement
  • Please note that while we strive to keep our information as accurate and up to date as possible, it occasionally may be different from what you see when you visit our Partner’s pages.

Frequently Asked Questions

Can you enjoy annual fee waiver for American Express True Cashback Card?

  • Yes, the annual fee for the American Express True Cashback Card of $174.40 (inclusive of GST) is waived for the first year

Who should apply for the American Express True Cashback Cards?

  • Big spenders that will usually hit the ceiling on most cash back credit card limits.
  • Fuss-free credit card users due to its Straight-forward, and simple cashback mechanics that does not require you to track any categories or remaining available cashback
  • Travellers who indulge indulge in overseas spending

Find out about the card's host of benefits, charges, promotions and eligibility criteria below.

...see more

American Express True Cashback Card

1.5% on all spend
CASHBACK
Unlimited
CASHBACK CAP

American Express True Cashback Card

1.5% on all spend

CASHBACK

Unlimited

CASHBACK CAP

📣 SIGN-UP BONUS

Receive 1x chance to win a pair of Round Trip Business Class tickets to Tokyo (worth S$13,144) in our March Madness Grand Lucky Draw!

Valid till 31 Mar 2024. T&Cs apply.

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Reviews (74)

4.2

74 Reviews

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Service Rating

Speed of Approval

4.9

Ease of Fee Waiver

4.3

Customer Support

4.7

      Posted 17 Jan 2023

      Purchased

      American Express True Cashback Card

      This card is straightforward. You know exactly what you are getting with each swipe. It is perfect if you want the unmatched customer experience American Express provides and a fixed cashback.

      0

      What are your thoughts?

      Posted 05 Jan 2023

      Purchased

      American Express True Cashback Card

      Great unlimited cashback card by AMEX. [Useful For...] Topping up GrabPay to enjoy 1.5% cashback. (It's the only card left that can do this)

      0

      What are your thoughts?

      Posted 05 Jan 2023

      Purchased

      American Express True Cashback Card

      awesome cashback card! sadly not all merchants accept AMEX. but at every opportunity, i'll use this card!

      0

      What are your thoughts?

      Posted 26 Nov 2022

      Purchased

      American Express True Cashback Card

      Great card to use together with grabpay card as it gives you a top up of 1.5% when you top up your grab pay wallet. Have been using it to pay for insurance by using it to top up my grab pay wallet and using grab pay card to pay for it. Great card for these kind of payments as most credit cards don't allow cashback for insurance payments.

      0

      What are your thoughts?

      Posted 10 Nov 2022

      Purchased

      American Express True Cashback Card

      [Fee Waivers] No annual fees, so there is no need to apply for a fee waiver! [Promotions and Perks] Signed up about 3 months ago because of the 3% unlimited cashback for first $5000 spend benefit. Have found it especially useful for paying for things that are usually exempted from other cashback schemes, e.g. medical fees. No minimum spend per month which makes it easy to use as well. A must-have card to get cashback on basically all expenses. [Card Hacks] Sign up for the AMEX True Cashback Card before switching to the UOB AMEX card - this card gives 3% unlimited cashback for first $5000 as a sign-up bonus, which UOB doesn't have.

      0

      What are your thoughts?

      Posted 10 Oct 2022

      Purchased

      American Express True Cashback Card

      [Fuss-Free Cashback] No nonsense 1.5% cashback on all eligible purchases with no minimum spending and no earn cap. Love that it's immediate cashback in the same month's statement. [Card Hacks] One of maybe three credit cards that still give you cashback for topping up your GrabPay balance. [Customer Service] Hands down, the best customer service one can get among credit card companies. Always got my issues resolved within minutes with their live chat function on their mobile app. Fee waivers are always fuss-free. [Others] It's a credit card I renew on a yearly basis. When I needed my spending limit temporarily increased to pay for a family member's hospital bill, AMEX was the first to respond within minutes — the other banks I have credit cards with all took days to get back to me.

      0

      What are your thoughts?

      Posted 22 Aug 2022

      Purchased

      American Express True Cashback Card

      My first credit card out of university. Excellent for young adults to use as they provide cashback for topping up to grab. There's no minimum spending so the cashback is really based on how much you spend every month. Customer service is very responsive as well.

      0

      What are your thoughts?

      Posted 06 Apr 2022

      Purchased

      American Express True Cashback Card

      [Card Hacks] Use it to top up your Grab! after which, use your Grab to top up your CDC Card! [Customer Service] in-App customer service is amazing. I wrote them a question, and got a response within 5mins. [Cashback Card] Get 3% Cashback on your first $5k, which is pretty awesome frankly. Subsequently u get 1.5% for every eligible spend. I Can imagine this being my go-to card in the future.

      1

      What are your thoughts?

      Posted 01 Apr 2022

      Purchased

      American Express True Cashback Card

      [Fee Waivers] No fuss waivers if you use this often [Customer Service] The best customer service among all the card providers - hands down. The customer service staff are all empowered sufficiently to make decisions without the need to "let me check with my manager" as with most other providers. Easy to deal with. [Cashback Card] No fuss, straightforward cash back mechanism. Have been accurate in terms of cash back to date as well. I have another cash back card from another provider with the same cash back % but somehow, the calculations are not always correct every month, albeit by a little bit - too little to do anything about it but it makes me trust Amex more

      0

      What are your thoughts?

      Posted 22 Feb 2022

      Purchased

      American Express True Cashback Card

      Good as a general (backup) spending card on almost everything that accepts AMEX. If the merchant does not accept AMEX, can be paired with GPMC to try payment via Paynow QR or Mastercard.

      2

      What are your thoughts?

    Discussions (0)

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      Popular Products

      Key Features and Benefits of AMEX True Cashback Card

      With the AMEX True Cashback, easily enjoy 1.5% cashback on all eligible purchases with no cap, and no minimum spend. For overseas transactions, earn an additional 1% cashback on Foreign Currency Purchases. You can receive the cashback immediately in the same month's billing statement. New sign-ups can enjoy double the cashback at 3%, for their first 6 months, with a limit of up to S$5,000. Travelers can also get free travel insurance benefits of up to S$350,000 when you purchase your air ticket with American Express True Cashback Card

      These are some highlights of the AMEX True Cashback Card and the Cashback benefits it has to offer:

      AMEX True Cashback Card Benefits

      What You'll Get

      Cashback

      1.5% Cashbacks on all your eligible purchases

      Foreign Currency

      Additional 1% Cashback on Foreign Currency purchases

      Spending Limit

      No minimum spend and no complicated requirements

      Cashback Cap

      No Cap on Cashback and immediately get your Cashback on the same month's statement

      Entertainment

      Offers by AMEX on retail, travel, dining and entertainment partners

      American Express Selects

      Exclusive dining privileges all around the world

      Insurance

      Travel inconvenience or travel insurance coverage provided. Up to $350,000 worth of claim

      World-Class Service

      24-hour Customer Care Professional

      Global Assistance

      For International use: +65 6295 0500

      Fraud Protection

      Remove any unrecognised purchase

      Supplementary Card

      Receive S$20 CapitaVoucher each, for the first two approved Supplementary Cards

      AMEX True Cashback Card Benefit

      Eligibility for AMEX True Cashback Card

      • 21 years old and above
      • Minimum annual income: Card application is subjected to customers meeting the regulatory minimum income requirement and internal assessment

      Fees and Charges for AMEX True Cashback Card

      • Annual fee: S$172.80 (First year waived)
      • Late payment charge: $100 per month
      • Minimum monthly payment: 3% of total balance or $50, whichever is higher, plus any overdue amounts
      • Interest on purchases: 26.90% p.a. compounded (27.80% p.a. compounded w.e.f. 3 Oct 2023) if payment of the closing balance in your statements is not made in full; or 29.99% p.a. (3% p.a. on top of prevailing interest w.e.f. 3 Oct 2023) in the event that your account has three or more defaults in the last 12 months
      • Interest on cash advance: 26.90% p.a. compounded daily from date of withdrawal until the withdrawal amount and the relevant fees are paid in full
      • Cash advance fee: 5% of withdrawal amount
      • Foreign currency transaction fee: 2.95% (3.25% w.e.f. 1 Oct 2023)
      • Dynamic currency conversion fee: N/A

      Still unsure? Find out everything you need about credit cards - including what the best credit cards in Singapore are for miles and Cashback, factors to consider before getting one, fees to know, and why a good credit score matters.

      You can also pose questions (anonymously, if you'd prefer) on Seedly Community.

      Terms and Conditions of AMEX True Cashback Card

      • As a welcome bonus, you will earn Cashback at the rate of 3% on up to a total of S$5,000 of purchases of goods and services made on your account
      • (which shall include both spending by you and your Supplementary Card Members) in the first 6 months of your American Express True Cashback Card Membership, subject to the other Cashback Terms and Conditions and any promotional offer we make
      • When the Cashback rate of 3% applies to a purchase of goods or services during the welcome bonus period, the Cashback rate of 1.5% will not be applied in addition to the Cashback rate of 3% to the same purchase
      • Purchases of goods and services in excess of S$5,000 during the welcome bonus period will earn Cashback at the standard rate of 1.5%, subject to the other Cashback Terms and Conditions and any other promotional offer we make.
      • There is no cap on cashback
      • Cashback applies regardless if you make local purchases or overseas expenditures

      How to Apply for AMEX True Cashback Card

      • Apply Online or
      • Visit American Express

      About American Express

      Since 1850, American Express (AMEX) has remained committed to providing its customers with the best products and services. Some popular credit cards include AMEX CapitaCard, AMEX Platinum Credit Card, AMEX True Cashback Card, AMEX Personal Card and AMEX Singapore Airlines KrisFlyer Credit Card.