American Express CapitaCard Credit Card

Name: American Express CapitaCard Credit Card
Brand: American Express
Rating: 4.4 (1 reviews)

Earn up to 3% rebate (awarded in 6X STAR$) on transactions of $20 and above at participating CapitaLand Malls’ merchants.
Earn an additional 10X STAR$® (50 STAR$®) for every S$1 spent on your Card at participating dining and retail outlets across CapitaLand Malls.
Home and Away perks include a complimentary 1-year Silver tier membership and a 15% one-time room discount voucher with Ascott, Citadines, and Somerset.
First-year card fee waiver on principal card and ongoing fee waiver on first two supplementary cards.

Pros and cons

Enjoy 3-hour complimentary parking per mall, per day at participating CapitaLand Malls when you spend S$1,200 in a calendar month.
Annual fee of $171.20 waived for the first year. First two supplementary cards have no card fees, first year and ongoing.
Points are auto credited to your CAPITASTAR account as STAR$, vouchers are redeemed as CapitaVouchers.
Every 5,000 STAR$ can be exchanged for a $5 eCapitaVoucher on the CapitaStar App.

Min annual income of $30,000 for citizens/PRs and $60,000 for foreigners.
Principal card is free the 1st year but costs $171.20 per year. From third supplementary card you pay $86.40 per card per year.

Additional cardholders. The first 2 supplementary cards on the American Express CapitaCard are free. Additional supplementary cards are possible, but for $86.40 each.
Digital wallets. This card is compatible with Apple Pay, Google Pay, and Samsung Pay.
Gambling transactions. American Express does not permit gambling transactions with this card.

Complimentary travel insurance. The Amex CapitaCard Card does not provide complimentary international travel insurance coverage.
Concierge services. Cardholders can access a 24/7 concierge service for making reservations, booking travel, delivering gifts, finding the best prices, and more.
Insurances. Cardholders get fraud protection, but there aren't any other insurance policies.
Rewards points. Earn up to 6X STAR$ with up to 3% rebates when spending at participating merchants in CapitalLand Malls. You can earn 1X STAR$ with every $1 spent anywhere, anytime. Balance transfers and cash advances are not eligible transactions for earning points.
Sign up bonus. Enjoy 3 hours of complimentary parking across CapitaLand Malls with $1,200 eligible spend each calendar month. $1,800 eligible spend gets you complimentary privileged parking subject to terms and conditions.

Annual fee. The current welcome offer includes a first-year fee waiver. The ongoing annual fee for this card is $172.80.
Balance transfers. This card does not offer a balance transfer offer, as is typical for Amex.
Cash advances. Cash advances will be subject to a 26.90% p.a. interest, which accrues from the transaction date. Additionally, cash advances are subject to a one-off 5% fee, making them an expensive way to get money.
Foreign exchange fee. All transactions made in a foreign currency will incur a 2.95% fee.
Interest-free period. Offers up to 22 days interest-free on all purchases except cash advances. To qualify for this period, you must pay the balance in full or make the minimum required payments.
Purchases. All purchases will be charged interest at 26.90% p.a. This rate is average for a credit card in Singapore.