View Card Benefits Terms and Conditions.

First Year Fee Waiver

The First Year Annual Membership Fee Waiver will only apply to new American Express CapitaCard Members After your first year of CapitaCard membership, the prevailing annual membership fee for the Card will apply.

Spend Bonus – Terms and Conditions

Spend Bonus I: Spend S$1,500 on eligible purchases of goods or services within the first 3 months upon Card approval (“Spend Threshold”) and receive 60,000 Bonus STAR$^®.

Spend Bonus II: Spend an additional S$3,000 (total spend of S$4,500) on eligible purchases of good and services within the first 3 months upon Card approval and receive a American Tourister Erie 67/24 Spinner Exp TSA luggage bag.

The Spend Bonus offer is applicable to all applicants of The American Express® CapitaCard who apply from 1st October 2018 and receive approval up to and including 31st December 2018 (“Promotion Period”). Card Members are only entitled to receive each offer once. Card Members who cancelled their American Express® CapitaCard within the last six (6) months are not eligible for this promotion when they re-apply for The American Express® CapitaCard during the Promotion Period.

The eligible spend excludes: (a) Charges that are processed and billed prior to your CAPITASTAR Member enrolment date or charges that are prepaid on any Card Account prior to the first billing statement for that Card Account following the Enrolment Date; (b) Cash Advances and other cash services; (c) Express Cash; (d) American Express Travellers Cheque purchases; (e) Charges for dishonoured cheques; (f) Finance charges including Line of Credit charges and Credit Card interest charges; (g) Late Payment and collection charges; (h) Tax refunds from overseas purchases; (i) Balance Transfers; (j) Annual Card fees; (k) Other credits to your Account; and (l) CapitaVoucher purchases.

Spend on eligible purchases incurred by Supplementary Card Member(s) shall accrue to the Basic Card Member.

The Bonus STAR$^® will be awarded to Card Members within approximately 6 weeks from the date they meet the Spend Threshold. The Bonus STAR$^® will be credited directly into the CAPITASTAR account linked to your American Express CapitaCard. To qualify for this offer, your Card Account must be in good standing and not be cancelled for any reason.

A redemption letter will be sent to Basic Card Member’s mailing address approximately twelve (12) weeks from the time Basic Account reaches the required cumulative spend for the American Tourister Erie 67/24 Spinner Exp TSA luggage bag within the first three (3) months upon Card approval.

3X STAR$^® Programme

You will be awarded an additional 10 STAR$^® under the 3X STAR$® Programme on eligible purchases of goods and services in blocks of S$1, on a cumulative basis at the end of every calendar month, capped at S$1,200 per calendar month at participating merchants of CapitaLand Malls. For full terms and conditions, refer to www.amex.co/capitacardterms.

STAR$^® Xtra Programme

Additional 50 STAR$^® will be awarded on eligible purchases of goods and services at each participating STAR$^® Xtra Partner in Singapore only in blocks of S$1, on a cumulative basis for the duration of the programme participation period for such STAR$^® Xtra Partner. Only full STAR$^® are awarded. To qualify for the additional 50 STAR$^®, your American Express CapitaCard must be in good standing and not cancelled for any reason. Participation of merchants is subject to change without prior notice to American Express CapitaCard Members. Please visit amex.co/capitacardoffers for the current list of STAR$^® Xtra Partners.

Some Important Information

Effective Interest Rates

If payment of the closing balance in your statement is not made in full, applicable interest rates will be levied on the outstanding amount:

i)                   At the prevailing effective interest rate of 25.90% p.a.¹ subject to compounding; or

ii)                  29.99% p.a.¹ subject to compounding in the event that your account has three or more defaults² and/or one default² which remains unpaid for two or more consecutive months in the last 12 months.

1. Please refer to Card Member Agreement for the basis of interest computation.

2. You are in default if minimum payment is not received by us on the payment due date stated on your monthly statement.

Late Payment Fees

With effect from 1 May 2018, S$90 if the Minimum Payment specified in the Statement is not received by us by the Payment Date.

Minimum Monthly Repayment

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.

Note: American Express International Inc. ("American Express") reserves the right to amend the terms and conditions, and suspend or terminate the above promotions/ offers at its discretion at any time without prior notice. In the event of any disputes arising from these promotions/ offers, the decision of American Express International, Inc. shall be final. American Express also reserves the right to change, suspend or terminate the benefits at its sole discretion at any time without prior notice. The provision of services, activities or benefits stated is the responsibility of the respective service establishment. American Express acts solely as a payment provider and is not responsible or liable in the event that such services, activities or benefits are not provided or fulfilled by the service establishment. Card Members acknowledge that any disputes in relation to the above are to be directed solely to the service establishment providing such services, activities or benefits. To enjoy the privileges or benefits, Card Members must present their American Express CapitaCard and all charges must be made to this card. Participation of merchants is subject to change without prior notice to Card Member. Information is correct as at date of publication.