| Card | Top rates | Min spend | Cap | Annual fee |
|---|---|---|---|---|
| American Express True Cashback Card | 1.5% on everything | none | no overall cap | S$174.40 |
American Express True Cashback Card
A flat 1.5% on eligible purchases with no minimum, no cap and no categories. The list of purchases that don't earn is in the card's terms on the American Express site.
| Category | Cash back | Cap | Min spend |
|---|---|---|---|
| Everything else eligible | 1.5% | none | none |
- Minimum spend: none. No minimum spend
- Cap: no overall cap. No cap
- Annual fee: S$174.40. Waived for the first year
- Card: American Express credit card
Sources: American Express True Cashback Card. Checked 13 October 2026.
Questions and answers
What is the minimum spend on the American Express True Cashback Card?
There is no minimum monthly spend: the American Express True Cashback Card pays its rates from the first dollar of eligible spend.
What is the cash back cap on the American Express True Cashback Card?
There is no overall monthly cap.
Is there an annual fee on the American Express True Cashback Card?
S$174.40 a year, including GST. Waived for the first year.
Best cards by category
- Best cashback credit cards for dining in Singapore
- Best cashback credit cards for groceries in Singapore
- Best cashback credit cards for online shopping in Singapore
- Best cashback credit cards for transport in Singapore
- Best cashback credit cards for petrol in Singapore
Other banks
- DBS / POSB cashback cards
- OCBC cashback cards
- UOB cashback cards
- Citi cashback cards
- HSBC cashback cards
- Standard Chartered cashback cards
- Trust Bank cashback cards
- CIMB cashback cards
Checked against the banks' own pages and terms on 13 October 2026. Banks change rates, caps and exclusions at short notice — the card's terms on the bank's site are what counts. Tratobor takes no money from banks and has no referral links; this is reference information, not financial advice.