American Express SingaporeTrue Cashback
3760 202645 00546
VALID THRU 11/30RILEY CHEN
Cash Back Cards · Singapore
American Express True Cashback Card
4.0 / 5 editorial rating
Best for: Amex users who want uncapped flat cash back credited on the same statement.
Annual feeS$174.40/yr
IssuerAmerican Express Singapore
NetworkAmerican Express
Purchase APRSee issuer (rate shown on yo…
Foreign transaction fee3.25%
Credit neededOver S$30,000 for Singapore…
Pros
- Lowest annual fee among the fee-charging cards here
- 3% welcome rate for the first six months
- Simple, uncapped rate
Cons
- Some merchants in Singapore do not accept American Express
- 1.5% trails the 1.6% on the Citi Cash Back+ Card
Rates and offers change. Confirm today's terms on the issuer's official site before applying. Independent comparison — not financial advice.
The American Express True Cashback Card pays 1.5% cash back with no cap or minimum spend, and 3% on up to S$5,000 of purchases in the first six months.
American Express True Cashback Card at a glance
| Issuer | American Express Singapore |
| Card network | American Express |
| Annual fee | S$174.40 (first year waived) |
| Rewards rate | 1.5% cash back on eligible purchases with no minimum spend and no cap; 3% on up to S$5,000 of purchases in the first 6 months |
| Welcome bonus | 3% cash back on up to S$5,000 of purchases in the first 6 months (up to S$150); see issuer for current terms |
| Intro APR | None |
| Regular APR | See issuer (rate shown on your statement) |
| Foreign transaction fee | 3.25% |
| Credit needed | Over S$30,000 for Singapore citizens and residents; over S$60,000 for expatriates |
| Best for | Amex users who want uncapped flat cash back credited on the same statement |
Key features
- Cash back credited to the same month's statement
- No cap on cash back
- First two supplementary cards free for life
- Travel insurance cover of up to S$350,000
Pros
- Lowest annual fee among the fee-charging cards here
- 3% welcome rate for the first six months
- Simple, uncapped rate
Cons
- Some merchants in Singapore do not accept American Express
- 1.5% trails the 1.6% on the Citi Cash Back+ Card
Before you apply: confirm the current annual fee, interest rate, rewards and eligibility on the issuer's official site. CreditCardCompare is an independent comparison resource, not the card issuer, and this is not financial advice.
Sources: americanexpress.com · americanexpress.com
How it compares with similar Singapore cards
| Card | Annual fee | Rewards | Intro APR | Foreign fee | Credit needed | Rating |
|---|---|---|---|---|---|---|
American Express SingaporeTrue Cashback 3760 202645 00546 VALID THRU 11/30RILEY CHEN American Express True Cashback CardAmex users who want uncapped flat cash back credited on the same statement |
S$174.40/yr | 1.5% cash back on eligible purchases with no minimum spend and no cap;… | None | 3.25% | Over S$30,000 for Singapore ci… | |
Citibank SingaporeCiti Cash Back+ 5250 0491 0812 8313 VALID THRU 12/29CASEY BROOKS Citi Cash Back+ CardAnyone who wants a high flat cash back rate without tracking categories |
S$196.20/yr | 1.6% cash back on eligible spend with no minimum spend and no cap; ext… | None | Up to 3.25% | S$30,000 for Singaporeans/PRs;… | |
UOBOne 5295 9745 9886 8994 VALID THRU 03/29SAM RIVERA UOB One CardSteady spenders who hit S$600 to S$2,000 a month with 10+ purchases |
S$196.20/yr | Quarterly cash back of S$60, S$100 or S$200 for S$600, S$1,000 or S$2,… | None | 3.25% | S$30,000 for Singaporeans/PRs… | |
Maybank SingaporeMaybank Family & Friends 5223 6152 0941 3426 VALID THRU 01/29TAYLOR REED Maybank Family & Friends CardHouseholds that want to pick their own 8% cash back categories |
S$196.20/yr | 8% cash back in 5 categories you choose with at least S$800 spend a mo… | None | 2.25% Maybank fee plus up… | S$30,000 for Singaporeans/PRs;… |
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