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AMEX True Cashback Card

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  • Reviews (55)
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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

5.0

Ease of Fee Waiver

4.3

Customer Support

4.7

American Express True Cashback Card

1.5% on all spend

CASHBACK

Unlimited

CASHBACK CAP

$0

MINIMUM SPEND

[PROMO] Get up to S$365 worth of Bitcoin. Valid till 31 Oct 2021. T&Cs apply. Learn more below.

American Express True Cashback Card

1.5% on all spend

CASHBACK

Unlimited

CASHBACK CAP

$0

MINIMUM SPEND

[PROMO] Get up to S$365 worth of Bitcoin. Valid till 31 Oct 2021. T&Cs apply. Learn more below.

Details

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  • Pays to access additional features

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 (55)

4.1

55 Reviews

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    25
  • 4
    17
  • 3
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      Posted 18d ago

      Purchased

      American Express True Cashback Card

      Fast application and ease of usage. One of the highest cash rebate offer if you have to spend right now! Look out for promotions with free gifts! Caveat you need to be a new member i.e. do not hold that bank's credit card for the past 1 year.

      0

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      Posted 22d ago

      Purchased

      American Express True Cashback Card

      Great cashback card! Useful for grab pay top-ups as the cashback is applicable for grab pay. Have been using this to top up my grab pay wallet to gain cashback & also points from grab pay. Double the rewards! Pros: - Unlimited cashback - Able to use to top up grab pay Cons: - Pretty low at 1.5% compared to the Citibank cashback + card (1.6%) or the new UOB card If you're looking for a fuss free cashback credit card, this will be a good option to consider!

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      Posted 22d ago

      Purchased

      American Express True Cashback Card

      [Customer Service] Arguably one of the best customer service I have received. Upon received the card, I have downloaded the mobile app to activate my card and set up the mobile app account, but failed to do it over the app and was informed to call their customer service hotline instead. Managed to get hold of a customer service lady very quickly, after verifying my identity she immediately gave me a temporary password and walked me through to set up and log into my online account, before guiding me to change to my preferred password. While most customer service tend to stop at this stage after my immediate issue of setting up my mobile app account is resolved, she went through the extra mile to navigate me on some of the key function of their mobile app. After which she also told me the different methods to pay the monthly bill and almost instantly she sent me an email on this. When I told her that I prefer to do a monthly GIRO payment instead, she told me that she will mail over the GIRO application form as the bank requires to receive the physical copy. What surprises me was that she even asked when is my preferred date to start the bill cycle and she changed the billing date for me. Really went through the extra mile as my initial objective of the call is to set up my mobile app account.

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      Posted 19 Sep 2021

      Purchased

      American Express True Cashback Card

      customer service was helpful and easy to get through. easier to get rebates as they have a short and easy to read exclusion list. hopefully other banks follow this as most banks have super long and hard to decipher exclusion lists. cons: much fewer acceptance points

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      Posted 30 Aug 2021

      Purchased

      American Express True Cashback Card

      Very good card, only been using for two months but great way to earn 3% cash back no matter what you are purchasing. (3% on the first $5k within first 6 months, 1.5% thereafter) [Useful For topping up your grabpay and spending from there to clock your grabpay points as well!] Not sure on the fee waiver but I guess I’ll find out next year!

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      Exclusive Rewards

      Get up to S$365 worth of Bitcoin

      • Promotion is valid from 13 September to 31 October 2021
      • Promotion is applicable to AMEX cardmembers only
      • First 2,000 successful applicants across all cards will receive S$365 (New AMEX cardmembers) or S$100 (Existing AMEX cardmembers) worth of Bitcoin
      • Subsequent successful applicants across all cards will receive S$265 (New AMEX cardmembers) or S$50 (Existing AMEX cardmembers) worth of Bitcoin
      • Min. spend of S$500 within first 30 days of card approval is required
      • Terms and Conditions apply
      • To apply, click on the "Apply Now" or "Visit Site" buttons

      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

      • 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.

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