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    American Express Shopping Credit Cards

    American Express has a wide lineup of credit cards that cater to consumers from different walks of life. American Express offers credit cards that provide shopping benefits, grocery benefits, and even co-branded cards that give you travel benefits. For the frequent shoppers, American Express offers the Platinum Credit Card, True Cashback Card, and the CapitaCard.

    American Express Shopping Promotions:

    • Applying for the American Express Platinum Card successfully will get you a B&O PLAY H5 earphones, a 2-days and 1-night stay at the Dorsett Singapore, and a Samsonite 76CM Luggage piece.
    • The card gives you a 3% cashback for the first 6 months of owning the card for up to the first S$5,000 charged to the card.
    • When you charge S$888 to your American Express Capita Card within the first 6 months of receiving the card, you get a S$50 CapitaVoucher in the form of STAR$.

    Features & Benefits of the American Express Shopping Credit Card

    American Express True Cashback Card:

    This card gives you a cashback on all your expenses regardless of the category you spend on. Shopping expenses, departmental stress purchases, groceries and any other expense charged to your card will earn a flat rate of cashback of 1.5%. Cashback is earned regardless of how much you spend. AMX True Cashback card does not require you to meet any monthly minimum criteria nor does it put a cap on how much you can earn.

    American Express Platinum Card:

    This card earns reward points on expenses charged to the card. These points never expire and can be used to redeem or offset purchases at select retail outlets. The card earns 2 points for every S$1.60 charged to the card. You can earn 5 times the reward points (10 points) for every S$1.60 charged to the card on charges incurred at Platinum EXTRA partners such as Watches of Switzerland, TungLok Signatures, and Lee Hwa Jewellery.

    American Express CapitaCard:

    The card earns STAR$ which is credited to your CAPITASTAR Account. The AMX Capita Credit Card earns 5 STAR$ for every S$1 charged to the card. The card earns 5 STAR$ for every S$1 charged at CapitaLand Malls with an additional 10 STAR$ awarded for purchases of eligible goods and services. This is awarded in blocks of S$1 and is capped to S$1,200 per month. The card also earns 50 STAR$ for every S$1 charged to the card when used at over 60 participating outlets in CapitaLand Malls.

    Interest Rates on American Express Shopping Credit Cards

    The American Express shopping credit cards charge an interest rate of 24.99% p.a. which is applicable only when the outstanding payments have not been paid in full. The card requires a minimum payment of 3% of the outstanding balance or S$50.

    When you fail to make more than 3 minimum payments on time, the prevailing interest rate will be increased to 29.99% p.a. The prevailing rate of interest will be reinstated when you pay all the outstanding minimum payments on or before the next statement due date.

    Fees and Charges on American Express Shopping Credit Cards

    Product/Item Fees and charges
    American Express Platinum Card

      • S$321 for the principal card

      • S$160.50 with the first two supplementary cards being free for life

    American Express CapitaCard

      • S$171.20 for the principal card with an annual fee waiver for the first year

      • S$85.60 with the first two supplementary cards being free for life

    American Express True Cashback Card

      • S$171.20 for the principal card with an annual fee waiver for the first year

      • S$85.60 with the first two supplementary cards being free for life

    Interest charges Interest charged on card transactions is 24.99% p.a.
    Late payment fee The late payment fee of S$60 is charged.
    Minimum monthly due Minimum payment is 3% of the outstanding amount or S$50, whichever of the two is higher.
    Lost or stolen card liability A maximum fee of S$100 is charged.

    Eligibility Criteria for American Express Shopping Credit Cards

    • Singaporean citizens, Permanent Residents, and foreigners can apply for the American Express shopping credit cards.
    • The applicant must have attained a minimum age of 21 years to apply for the principal card and 18 years to apply for the supplementary card.
    • The minimum annual income required to apply for the American Express Platinum Card is S$50,000 for Singaporean citizens and Permanent residents and S$60,000 for foreigners.
    • The minimum annual income required to apply for the American Express Capita Card and the American Express True Cashback Card is S$30,000 for Singaporean citizens and Permanent residents and S$60,000 for foreigners.

    Documents Required for American Express Shopping Credit Cards

    Salaried applicants are required to submit the following documents:

    • A front and back copy of their NRIC or Passport.
    • A copy of their most recent computerised payslip dating back at least 3 months
    • A copy of their latest Income Tax Notice of Assessment dating back at last 12 months along with the latest 1-month computerised payslip.
    • A copy of their latest CPF Contribution History statement showing contributions for a minimum period of at least 6 months.
    • A letter from the company where they are employed showing the details of the applicant’s designation and income details.

    Self-employed applicants are required to submit the following documents:

    • A copy of their NRIC, front and back.
    • A copy of their latest Income Tax NOA (Notice of Assessment) dating back at least 2 years.

    Foreign applicants are required to submit the following documents:

    • A copy of their valid passport.
    • A copy of their Employment Pass which has at least 6 months of validity at the time of application.
    • A copy of their utility bill to serve as address proof.
    • A letter from the company where they are employed showing the details of the applicant’s designation and income details.
    • A copy of their latest computerised payslip.

    Supplementary credit card applicants are required to provide a front and back copy of their NRIC, or a copy of their valid Passport.

    How to apply for an American Express Shopping Credit Cards

    You can apply for an Shopping Credit Card online by visiting the American Express bank’s official website and navigating to the respective card’s web page. Here you will find the option to “Apply Now”. Clicking on this button will direct you to the next step which requires you to fill up the necessary fields of information and submit the application form. You will be given the provision to upload the required supporting documents. Alternatively, you can apply for the card by visiting your nearest American Express branch.

    How to cancel American Express Shopping Credit Card

    You can cancel your credit card by calling the American Express Customer Hotline at 1800 396 6000. You have to request to speak to a customer relations officer. When speaking to the CRO, you need to state the card number and the reason for cancellation. After a quick verification process, your call will be directed to the retention team. If you still wish to cancel your card then they will process the request and cancel it. Cancelling a principal card will render the supplementary card cancelled as well.

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