ANNUAL FEE
S$174.40 (incl. 9% GST)
Waived for the first year; first 2 supplementary cards fee permanently waived (S$87.20 each subsequent)
INCOME REQUIREMENT
Not disclosed
MILES
—
■ CATEGORY RATES
all eligible purchases (welcome period) 3 · CAP up to S$5,000 spend in first 6 months (max S$150 cashback)
all eligible purchases (ongoing) 1.5 · CAP no minimum spend, no earn cap
foreign currency spend 1.5 · CAP earns the standard 1.5% rate; the former +1% foreign-currency promo (2.5% total) is no longer listed on the product page as of 2026-09-28
NOTES
Flat-rate cashback card: 1.5% on all eligible purchases (travel, groceries, online shopping, education, insurance, healthcare, utilities & telcos), no minimum spend, no categories, no cap. Cashback credited in same month's statement. Welcome: 3% cashback up to S$5,000 spend in first 6 months (up to S$150).
SOURCE
https://www.americanexpress.com/sg/credit-cards/true-cashback-card
Amex SG official product page (1.5% ongoing, 3% welcome up to S$5,000, S$174.40 fee first-year waiver, no min spend/cap)
Verified 26 Oct 2026. Terms change — always confirm on the official site.