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AMEX True Cashback Card

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  • Reviews (46)
  • Questions (0)
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Credit Cards/AMEX True Cashback Card
Credit Cards/AMEX True Cashback Card
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USER RATINGS

Speed of Approval

4.9

Ease of Fee Waiver

3.9

Customer Support

4.6

American Express True Cashback Card

1.5% on all spend

CASHBACK

Unlimited

CASHBACK CAP

$0

MINIMUM SPEND

American Express True Cashback Card

1.5% on all spend

CASHBACK

Unlimited

CASHBACK CAP

$0

MINIMUM SPEND

Details

[EXCLUSIVE REWARDS] Enjoy S$160 Cashback. For new American Express cardmembers only. Valid till 15 March 2021. Terms and Conditions apply. Find out more below.

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  • Claimed in February 2021
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American Express True Cashback Card Review 2020

  • 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.
  • Earn an additional 1% cashback on Foreign Currency Purchases
  • Receive the cashback immediately in the same month's statement
  • Get American Express membership benefits like dining privileges and retail or entertainment perks via American Express Selects.
  • Free travel insurance benefits of up to S$350,000 when you purchase your air ticket with American Express True Cashback Card
  • Ideal for big spenders that will usually hit the ceiling on most cash back credit card limits.
  • Straight-forward, and simple cashback card that does not require you to track any categories or remaining available cashback
Read More about AMEX True Cashback Card
Reviews (46)

3.9

46 Reviews

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    16
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    Most HelpfulMost RecentLow to HighHigh to Low
      Updated on 12 Dec 2020

      Purchased

      American Express True Cashback Card

      [Card Hacks] Use the AMEX True Cashback to top up your GrabPay wallet and you will get you 3% cashback (credited to the same billing statement) on your first $5,000 in your 1st 6 months. Thereafter, continue to earn 1.5% Cashback on all eligible purchases. Once this is done, you will be able to use your GrabPay card/wallet to pay for anything you want and earn Grab points! Tried and proven!

      2

      Yong Hui

      Yong Hui

      29 Jan 2021

      Hi do you need to have grabpay card for this to work?

      Jane Ang

      29 Jan 2021

      Hi! 1) There's no need for a GrabPay card if you are intending to pay for your purchases via your Grab Wallet (QR Pay), but some merchants may not offer GrabPay as a payment option. 2) I would recommend to activate the GrabPay card, as most merchants definitely accept Mastercards! Anyway, the GrabPay card is free. I save the card in my Samsung Pay so I do not have to use the physical card. Any usage will be deducted from your GrabWallet directly.

      Post

      Updated on 16 Oct 2020

      Purchased

      American Express True Cashback Card

      Application was via MyInfo, and was done in just two minutes. Customer service - as usual, AMEX's customer service beats all the other card providers hands down. No other provider even comes close. The card's T&Cs are also quite straightforward. Not too many things to watch out for before using the card.

      0

      Post

      Updated on 06 Oct 2020

      Purchased

      American Express True Cashback Card

      Simple and easy to use card, 1.5% on all eligible spending. And they are constantly trying to partner with new merchants to expand their card acceptance. They also have special offers to let you earn extra cashback! Not to mention, their customer service is best in class! Never once disappointed with their service.

      0

      Post

      Updated on 27 Sep 2020

      Purchased

      American Express True Cashback Card

      [Useful For...] Large expenses ie. Grab pay top ups, education fees, insurance. 3% on first 5k. Customer service was super efficient as you would expect from AMEX.

      0

      Post

      Updated on 01 Jul 2020

      Purchased

      American Express True Cashback Card

      [Useful For...] I had recently applied for Amex True Cashback card and I would highly recommend people to apply if they are intending to make big ticket purchases. First timers are able to get complimentary vouchers if you fulfil the initial spend within a stipulated time. It is really a TRUE cashback card. [Customer Service] Oh, did i mentioned? Their customer service via app livechat was superb and efficient!! Thumbs up. Please help to click "Helpful" if you find my review helpful ūüėÄ

      0

      Post

    Questions (0)
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      No Question Found.

      Exclusive Rewards

      Enjoy S$160 cashback

      • Promotion is valid till 15 March 2021
      • Promotion is applicable to new American Express cardmembers
      • A min. spend of S$500 must be made on eligible purchases within the first month of card approval
      • Terms and conditions apply
      • To apply, click on the "Apply Now" or "Visit Site" buttons

      AMEX True Cashback Card

      Find out how a Cashback credit card works, and the difference between Cashbacks and cash rebates.

      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

      To be eligible for the AMEX True Cashback Card, you'll have to meet the following criteria:

      • 21 years old and above
      • Supplementary card application should be 18 years old and above
      • For Singaporeans and PRs:¬†Minimum annual income of S$30,000
      • For Foreigners:¬†Minimum annual income of S$60,000

      Fees and Charges for AMEX True Cashback Card

      • Annual Principle Fee:¬†$171.20, waived for the first year
      • Annual Supplementary Card fee:¬†First 2 Supplementary Cards fee permanently waived. S$85.60 (inclusive of GST) for each subsequent Supplementary Card.
      • Fee waiver:¬†First-year annual fee waiver
      • Interest-Free Period:¬†22 days
      • Annual Interest Rate:¬†At the prevailing effective interest rate of 25.90% p.a. subject to compounding; or 29.99% p.a. subject to compounding in the event that your account has three or more defaults~ and/or one default~ which remains unpaid for two or more consecutive months in the last 12 months.
      • Minimum monthly payment:¬†The minimum payment amount due on a statement of account is 3% of the outstanding balance plus the total sum of any overdue minimum payment and late payment charges, and any amount exceeding your credit limit, or S$50. Whichever is greater.
      • Late payment charge:¬†S$90 if the Minimum Payment specified in the Statement is not received by us by the Payment Date.
      • Cash advance fee:¬†The fee for a cash advance is $5¬†or 3% of the transaction, whichever is greater

      AMEX True Cashback Card Promotions

      • Welcome bonus of 3% Cashback if you spend S$1,000 in your first 6 months (capped at S$5,000)
      • Welcome offer of up to S$60 CapitaLand Vouchers if Cardmembers spend S$1,000 within the first 30 days (promotion valid till 30 April 2020)

      The Best Cash Back Cards Review 2020: How does AMEX True Cashback Card Compare

      Pros:

      • No minimum spend and No maximum cap on the cash back you can earn
      • As with most American Express Card, there are membership benefits on multiple lifestyle genres through Amex Dining Privileges and Amex Selects.
      • A straight-forward, and simple cashback card without the fuss of tracking how much cash back you have left in god knows which category, or how much more you require to maximise your rewards.
      • Ideal for big spenders who will usually hit the ceiling on most cash back credit card limits
      • Enjoy world-class and renowned American Express service especially when you're in need of help overseas

      Cons:

      • 1.5% cash back on all areas of spend might not be suitable for thriftier spenders
      • Also not an ideal card for those with more specialised areas of transactions like Online Shopping, Dining, etc.

      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

      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.