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    We found 1 American Express True Cash Back Card

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    Joining Perks
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    American Express True Cash Back Card


    American Express True Cash Back Card Review

    As the name suggests, the American Express True Cash Back Card is review as a “true” cashback credit card as it awards you cashback on all your spends, no questions asked. Earn a flat cashback rate of 1.5% on this card with no cap on how much you can earn and no minimum spend requirement.

    Apply for this credit card and earn 3% cashback for the first 6 months of your card membership up to S$5,000 spent on your card.

    The American Express True Cash Back Card offers a host of benefits including the American Express Selects and the Global Dining Programme that guarantee you with exclusive deals on dining throughout the year. You will also enjoy travel, shopping and entertainment benefits.

    If you have any queries or questions that need answered, you can make local calls to the American Express 24-Hour Customer Care Professional. And if you need overseas assistance, then you can get in touch with the American Express Global Assist team for immediate assistance.

    Apply for this card today and enjoy fee waivers on the principal as well as supplementary cards.

    American Express True Cashback Card Promotion

    Airbnb Promotion

    Enjoy S$50 discount on your first Airbnb booking on a minimum spend of S$200. Make the payment using your AMEX credit card to enjoy this discount. Use promo code, “AMEXSG” and the first 4 digits of your card number during checkout. You can enjoy this offer until 30 September 2017.

    SPC Promotion

    Enrol your AMEX credit card for this promotion and receive up to 21% savings on your fuel purchases at SPC. There is no minimum spend requirement to be eligible for this promotion. The first 15,000 enrolled credit cards will qualify for this promotion. You can enjoy this offer until 30 September 2017.

    UberEATS and Uber Promotion

    Register for UberEATS using your AMEX card and get 20% discounts up to S$10 off per order on your first 3 orders. Register for Uber using your credit card and get up to S$10 off on your first 2 rides. You can enjoy this offer until 31 October 2017.

    12 Month Lucky Draw Campaign

    Get multiple chances to win 2 business class tickets per month on Singapore Airlines to exciting worldwide destinations in the following ways:

    • Every S$50 local transaction will earn you 1 chance to enter this draw.
    • Every S$50 overseas will earn you 2 chances to enter this draw.
    • Every new American Express card that you get approved will earn you 10 chances to enter this draw.
    • Destinations under this promotion include Hong Kong, Sydney, Osaka, New York, Milan, Barcelona, Cape Town and Seoul.
    • You can enjoy this offer until 31 March 2018.

    Joining Perks on AMEX True Cash Back Card

    • Use your American Express True Cashback Card and get a cashback of 3% on a minimum spend of S$5,000 for the first 6 months.
    • Get a Starbucks card worth S$40 when you successfully apply for the American Express True Cash Back Card.

    Benefits of the American Express True Cashback Card

    • The annual fee is waived for the first year.
    • The first 2 supplementary cards do not carry any fee.

    Global Assist:

    Get assistance from the American Express Team in case of emergencies when you are overseas. Assistance can involve information relating to reservations, flight schedules, referral to English speaking doctors and more.

    24-hour Customer Care Centre

    Amex Customer Service center is available 24/7 to help you with any questions you might have on card usage, card information and more.

    Annual Fee and charges on Amex True Cash Back Card

    Type of fee

    Amount payable

    Annual fee


    Supplementary card fee


    Interest rate

    24.99% p.a.

    Late payment charges


    Cash advance fee

    5% of amountt withdrawn

    Interest on cash advance


    Transactions in foreign currencies

    • Foreign currency transactions attract an administrative fee of 2.5% of the transacted amount.
    • All foreign currencies barring the USD are converted to the USD first before being converted to SGD.
    • Conversions to currencies take place at prevailing interest rates.

    Cash withdrawals

    • The American Express True Cashback Card can be used to withdraw cash from ATMs across the globe.
    • A cash advance handling charge of 5% of the amount is charged along with interest charges of 24.99%.

    How to apply for the American Express True Cashback Card

    The American Express True Cashback Card can be applied for by visiting the bank’s official website and filling the application form. The application once filled will be processed by the bank henceforth and approved upon satisfying all the eligibility parameters.

    Eligibility criteria for the AMEX True Cashback Card

    • Minimum age: 21 years of age.Minimum income:
    • Singaporeans & permanent residents: S$30,000.
    • Foreigners: S$60,000.

    Documents required

    Salaried individuals:

    Copy of NRIC/Passport, Income Tax Assessment Notice, latest computerized payslips.

    Self-employed individuals:

    Copy of NRIC/Passport, Income Tax Notice of Assessment, CPF contribution for two years.

    Individuals with varied income:

    Proof of income, 3-months bank statement, CPF contribution history for w years.


    • Copy of Passport, Employment letter obtained from employer, employment pass with a minimum validity of 6 months.

    Interest on the American Express True Cashback Card

    The annual interest on the American Express True Cashback card is 24.99%. THe interest rates can increase to 29.99% if customers have defaulted for more than two consecutive months. An interest free period of 21 days from the statement date is extended to customers if the monthly bill is paid in full.


    A minimum payment of 3% of the total monthly outstanding plus any overdue minimum amounts from previous months need to be made by American Express credit card customers.

    The minimum payment will also include any amount that exceeds the credit limit.

    Lost/stolen card liability

    Cardholders are liable to pay an amount of S$100 in case of gross negligence in informing the bank about the lost/theft of their card. This is the case when unauthorised transactions take place before the bank is informed about the loss/theft. Banks will duly investigate any instance of misconduct, fraud and negligence on the part of the customer before coming to a concrete judgement on the liability aspect.

    Reporting lost/stolen credit cards

    Lost/stolen cards can be reported to the bank by contacting the bank’s Customer Service Centre. Upon providing details relating to most recent transactions and card related information, the bank will block the lost/stolen card, thereby preventing transactions on the card to take place.


    Compare, check your eligibility and apply for credit cards online.

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