AMEX True Cashback Card Reviews and Comparison - Seedly
 
AMEX True Cashback Card
3.8
34 reviews
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3.8
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  • Posted 2d ago

    Purchased

    American Express True Cashback Card

    Pros: 3% cashback on first $5,000 spend in the first 6 months. After the first $5000, 1.5% cashback thereafter. Cons: AMEX not widely accepted as compared to Mastercard/Visa
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    0
  • Posted 3d ago

    Purchased

    American Express True Cashback Card

    I picked Amex because of its well-known customer service and the card is easy to use for its cashback. Almost all expenses are entitled. I got UOB one card hoping to max my cashback, especially on wedding prep. But it was just so complex to calculate and track - only good if you're highly meticulous. So Amex is the next easy choice. Good: Welcome bonus of 3% cashback on first $5,000 spend in the first 6 months. After the first $5000, you will continue to get 1.5% cashback subsequently. Bad: Can't link on Shopback GO to maximise cashback. There's annual fee but call in and check if you can waive it!
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  • Posted 4d ago

    Purchased

    American Express True Cashback Card

    What more can you ask? 1.5% cashback on everything! Friend of SC unlimited cashback card Make sure you enjoy the sign up bonus ( first 3 month 3% cashback with a cap). Do note that Amex are not as widely accepted compared to SC unlimited cashback card! But Amex app is a lot better than SC. Lots of deal that is easy for you to enroll and browse (5 stars for the app). I would recommend pairing this with other credit card like DBS Live Fresh/UOB Yolo/Maybank Family & Friends etc. if you have to optimise your cashback (3%~8%) Otherwise, lovely for the lazy people.
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    0
  • Posted 3w ago

    Purchased

    American Express True Cashback Card

    Welcome bonus is 3% cashback on up to $5,000 spend in the first 6 months. I ended up using it for hospital bill - otherwise the spotty acceptance of Amex a real issue. After that nice little earner - unlikely to touch again (note SCB offer same cashback but on Mastercard platform which is much better acceptance than Amex)
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  • Posted on 19 Sep 2019
    Love Amex. Period. Glad to make it my first credit card as the application was absolutely seamless and the customer service was top notch. I felt taken care of and I knew i could rely on CS for any issue
    0 comments
    6
  • Posted on 19 Sep 2019
    Hands down my favourite Cashback card. Simple tracking of cashback rewards, good App and web UI/UX and awesome customer service too. But the relatively lower number of AMEX accepting merchants is a con though.
    0 comments
    5
  • Posted on 19 Sep 2019
    American Express True Cashback Card Attractive welcome bonus of 3% cashback on up to $5,000 spend in the first 6 months. Good card for cashback on all purchases and no minimum spending and categories required with no cap on cashback.
    0 comments
    0
  • Signed this card on a road show. It gives good cash rewards and gifts. Most of the vendors accepting this card
    0 comments
    0
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Credit Card

AMEX True Cashback Card

Standard Chartered Unlimited Cashback Credit Card

Dexter Tiah
Dexter Tiah
Level 4. Prodigy
Updated on 20 Jun 2019
I think the best generic ones are stanchart unlimited card and amex true cashback card at 1.5% rebate on all spend, with no minimum. I personally have the stanchart unlimited card and will be getting the amex true cashback the moment i have a s$5k expense (because you get 3% for the first s$5k spent in the first few months. To maximize your rewards, to some general googling because these 2 cards have quite a big of sign-on bonus (i.e. pick your poison, either singsaver, friends referral, etc). If you want to see which merchants give you additional cashback (above and beyond these 2 great general spending cashback cards), check out www.whatcard.sg before your specific purchase, or as general research to which card to get that suits your specific consumption habits

AMEX True Cashback Card

POSB Everyday Card

Lifestyle

Travel

Credit Card

Gabriel Tham
Gabriel Tham
Level 9. God of Wisdom
Answered on 22 Jun 2018
Depends on your spending categories. Amex true cashback is flat cashback for everything but POSB Everyday has higher rebates for petrol and groceries
About AMEX True Cashback Card
Card NameAMEX True Cashback Card
Cashback Rate1.50%
Monthly Cashback CapNone
Monthly Min SpendNone
HighlightsFuss-free Unlimited cashback

Eligibility for AMEX True Cashback Card

  • 21 years old and above
  • Income of S$30,000 and above per annum for Singaporeans and PR
    Income of S$60,000 and above per annum for foreigner

Fees and Charges for American Express (AMEX) True Cashback Card

  • Annual Principle Fee: $171.20
  • 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

Key features of AMEX True Cashback Card

  • Receive 1.5% Cashback on any all spending.
  • Receive 3% cashback on up to $5,000 of purchases you make during the first 6 months.
  • Annual fee waived for the first year.
  • Exclusive Dining privileges all around the world, all year round with American Express Selects®

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.