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The American Express® True Cashback Card

Enjoy welcome bonus of 3% Cashback on up to S$5,000 eligible purchases within first 6 months.​

Card Type
Credit Card
Annual Fee
S$171.20 incl. of 7% GST) / S$172.80 (incl. of 8% GST with effect from 1 Jan 2023) waived for the first year
Supplementary Cards
First 2 Supplementary Cards fee permanently waived. S$85.60 (incl. of 7% GST) / S$86.40 (incl. of 8% GST with effect from 1 Jan 2023) for each subsequent Supplementary Card.

Key Highlights

WELCOME BONUS

Enjoy welcome bonus of 3% Cashback on up to S$5,000 eligible purchases within first 6 months.

Unlimited Cashback

After your welcome bonus, continue to earn 1.5% Cashback on all eligible purchases with no minimum spending and no earn cap.

Immediate Cashback

Get instant gratification in getting your Cashback immediately in the same month's statement as your purchases.

Reward Yourself

  • Enjoy a welcome Cashback bonus.
  • No minimum spend, no cap on Cashback and no categories to track.
  • Immediate Cashback in the same month's statement.
Read More

Membership Benefits

  • True Love Weddings: Enjoy additional savings on wedding packages and services with participating partners.
  • American Express True Cashback Card Offers: Enjoy curated offers and additional savings on home improvement purchases and selected family expenses.
  • Travel inconvenience and Travel Accident Insurance.
Read More

World-class Service

  • 24-hour Customer Care Professional.
  • Global Assist.
  • Fraud Protection.
Read More
Reward Yourself
Earn 3% welcome Cashback bonus
Enjoy a simple 3% Cashback Cashback on all eligible purchases you make locally and overseas, up to spend for the first month. Turn all your purchases into Cashback.
    Earn Cashback on all purchases
    After the welcome Cashback bonus, continue to earn 1.5% Cashback on all your eligible purchases like:
  • Grocery shopping
  • Online shopping
  • Large expenses like home improvement
  • Education fees
  • Insurance
  • Healthcare
  • Utilities and Telco
    • No mimimum spend and no categories to track
      No complicated requirements to qualify for Cashback. You will be earning Cashback on every eligible dollar spent.
        No cap on Cashback
        Remember there is no limit on how much Cashback you can earn every month. You earn Cashback for all eligible purchases you make on your Card.
          Immediate Cashback in the same month's statement
          Get instant gratification in getting your Cashback immediately in the same month's statement as your purchases.
            Membership Benefits
            True Love Weddings
            Exclusively for American Express® True Cashback Card Members, enjoy additional savings on wedding packages and services with our participating partners when you pay with your Card. Find out more about our hand-picked wedding partners here.
            American Express True Cashback Card Offers
            Enjoy carefully selected offers from our range of retail, travel, dining and entertainment partners. Click here to learn more.

            Enjoy curated offers and additional savings on home improvement purchases and selected family expenses. ​

            Click here to find out more about offers on home improvement.​

            Click here to find out more about offers for family purchases.
            Travel Inconvenience and Travel Accident Insurance
            Purchase your travel ticket with your American Express True Cashback Card and receive travel insurance benefits of up to S$350,000. Click here to learn more.
            World-Class Service
            24-hour Customer Care Professional
            Have a question or a request? Your Customer Care Professional will be on the line for you, 24/7. Dial 1800 295 0500 (Within Singapore Only).
            Global Assist
            Sometimes, the unexpected happens when you travel overseas. Your American Express True Cashback Card entitles you to immediate personal advice over the phone – from free referrals to an English-speaking doctor, lawyer or relevant professional, to assistance on passport replacement, missing luggage and more. Dial +65 6295 0500 (For International use).
            Fraud Protection
            If you don't recognize a purchase, we'll remove it from your Account immediately and investigate it for you.
            Eligibility
            To apply for the American Express True Cashback Card, it's important that:
            • You're over 21 years of age. Supplementary Card applicant should be over 18 years of age.
            • For Singapore Citizens and Residents, you have earnings which provide an income of over S$30,000 p.a.
            • For Expatriates, you have earnings which provide a minimum income of over S$45,000 p.a.