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Cashback Credit Cards


The American Express True Cashback Card gives you all the benefits and convenience of an American Express Credit Card, whist earning you cashback on almost everything you buy.

Why choose a Cashback Credit Card from American Express?


The American Express True Cashback Credit Card from American Express offers you highly competitive rates of cashback, with no limit on how much you can earn year after year. You can also apply for Supplementary Cards for a relative or partner, and their spending will also count towards your eligible cashback total.


As a Cardmember, you can also enjoy American Express Selects®. American Express Selects gives you preferential treatment by bringing a world of exclusive, handpicked offers to you.


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Our Cashback Credit Card

3% Cashback for first 6 months up to S$5,000 spend*


S$171.20 (inclusive of GST) First Year Fee Waiver


  • 3% Cashback for first 6 months up to S$5,000 spend.
  • 1.5% Cashback on purchases of good and services you make, anytime.
  • Book with American Express and enjoy attractive offers on flights and hotels.
  • No minimum spend and no earn cap.

How does Cashback work?

The True Cashback Card


  1. After signing up for the Card, you can earn 3% cashback on all your purchases in the first 6 months*
  2. After which, you can earn 1.5% on all purchases with no earn cap
  3. Your Cashback will be credited to your account and including in your monthly statement


*up to S$5000 spend



Key benefits at a glance


The American Express True Cashback Card offers you:


  • Competitive cashback rates on your purchases
  • Online fraud protection
  • 24/7 customer service
  • American Express Selects
  • Global Dining Programme



To save time, use the following checklist to see if you meet our standard eligibility criteria:


I am aged 21 or over 

I have an income that meets the minimum for the Card I am interested in

Some Cards may have additional specific eligibility criteria, and you will be asked to provide employment, income and bank account information in order to submit your application.


Once you have found the Card that best suits you, read the important information, then click the 'Apply now' button on the page to begin the application process. At this point, you can choose optional additional benefits and also decide how you'd like your name to appear on your Card.

Get an instant decision within 60 seconds


Step 1: Submit your Card application online and receive instant decision within 60 seconds!


Step 2: If your Card application has been conditionally approved, you will receive further instructions to upload the required supporting documents.


Step 3: Once we have received and verified all required supporting documents, your Card will be approved and you will receive your Card in the next 3 to 5 business days.


Please refer to individual card pages for eligibility requirements.

Explore our types of Cards

First year fee waiver Cards - Get the most out of your Card with no annual fee for the first year.


A Credit Card with no annual fee for the first year is a great way to experience being an American Express Cardmember and its perks. It offers both convenience and value.

Credit and Charge Cards explained


Has talk of interest, annual fees, rates and percentages left you feeling confused?

Our simple Credit and Charge Card Guides are a great place to start.

Find a type of card to suit your needs

Explore our range of Cards, you're bound to find something to suit your needs and lifestyle.