AMEX True Cashback Card Reviews and Comparison - Seedly
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AMEX True Cashback Card

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Credit Cards/AMEX True Cashback Card

American Express True Cashback Card

1.5% on all spend

    American Express True Cashback Card

    1.5% on all spend


About American Express (True Cashback Card)

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.

Read More about AMEX True Cashback Card
Reviews (39)


39 Reviews

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card cashback

customer service

not accept

minimum spend

amex card

accept amex

spend months

cashback month

unlimited cashback

annual fee

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  • Updated 5d ago


    American Express True Cashback Card

    [Cashback Card] [Customer Service] [Promotions and Perks] I like this particular cashback card as it has many other offers like SPC cashback, Lazada cashback, SP cashback, AMEX Pay cashback from time to time and the barrier to receive this cashback is relatively low. I first applied thinking using it for first 6mth with 3% cashback but later continue to get good offer from them. Their customer service is also probably one of the best among all the CC in Singapore. The only drawback is probably it is not as widely accepted as compared to VISA & Master. But still this is one of their best CC to me.
  • Updated on 07 Dec 2019


    American Express True Cashback Card

    Got this as a replacement card for my AMEX Capitaland card, when i want to cancel to avoid paying the annual fees. 3% for first 6 months and thereafter 1.5% plus you get the cashback. Wish the 3% can be extended longer, since amex is less accepted among merchants
  • Posted on 03 Dec 2019


    American Express True Cashback Card

    It is a great card when it is as first launched, where there are high cashback if you are able to hit the minimum spending once you get the card. (Which means one should get this card before you know u have big ticket items to buy, wedding/reno/car etc). Amex do have some very good promotion and deals, so best to have this card ready. Only downside, membership waiver is difficult if you do not hit the minimum annual spending requirement.
  • Posted on 21 Nov 2019


    American Express True Cashback Card

    This is a really good card for cashback. As mentioned 3% for first 6 months and thereafter 1.5% plus you get the cashback in the exact same month billing cycle which is different from other cashback cards like StanChart Unlimited Cashback. I didn't spend much on the card in total so I decided to call in to the customer service hotline after one year to cancel the card and reverse the annual fee. It was a really fast and hassle-free cancellation. Customer service is really good too.
  • Posted on 20 Nov 2019


    American Express True Cashback Card

    I loved this card because there is no minimum spend and no specific spending criteria, so it was good for big purchases like travel-related expenses. However this is pretty much identical to the Standard Chartered unlimited cashback card - just that this is an AMEX card which (1) is not as widely accepted (2) has higher annual fees that will take more effort to waive off. In order to waive off annual fees, you have to call their customer service hotline - this is compared to other banks that already have an automated feature for you to request for a waiver! In my opinion, the standard chartered card makes more sense and you don't need both!
Questions (3)

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AMEX True Cashback Card


SG Budget Babe

Credit Cards

Not sure if the activation is still valid after a year. Why not give the customer service a call and see if the card is still usable? Here is everything about me and what I do best.
👍 0

Standard Chartered Unlimited Cashback Credit Card

AMEX True Cashback Card

Credit Cards

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 before your specific purchase, or as general research to which card to get that suits your specific consumption habits
👍 4

POSB Everyday Card



AMEX True Cashback Card

Credit Cards

Gabriel Tham
Gabriel Tham
Top Contributor

Top Contributor (Feb)

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
👍 1

American Express True Cashback Card

AMEX True Cashback Card

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

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
  • 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 and Benefits of AMEX True Cashback Card

These are some features of the AMEX True Cashback Card and the Cashback benefits it has to offer.

AMEX True Cashback Card Benefits

What You'll Get


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


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

American Express Selects

Exclusive dining privileges all around the world


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

AMEX True Cashback Card Promotions

  • Welcome bonus of 3% Cashback if you spend S$5,000 in your first 6 months

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

American Express Contact Info

  • Customer service: 1800 295 0500

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.

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