GoBear is now part of Finder

$0 annual fee for 1 year - $171.20 thereafter

Annual Fee


Effective Interest Rate


Min Income - Singaporean and PR


Product NameAmerican Express CapitaCard
RewardEarn up to 3% rebate (6X STAR$) at participating merchants in CapitaLand Malls in town.​ An additional 5% rebate (10X STAR$) at participating STAR$ X’tra Partners in CapitaLand Malls.​
Effective Interest Rate26.9%
Interest Free PeriodUp to 22 days
Maximum Credit LimitUp to 4X of monthly income
Minimum Monthly Repayment3% of outstanding balance or $50, whichever is higher
Go to site
More Info

The American Express CapitaCard lets you earn up to 3% rebate (awarded in 6X STAR$) on your transactions at CapitaLand malls. What’s more, there are a number of different ways to get more out of your CapitaLand mall experience. Plus, you can take advantage of exclusive card membership benefits with American Express. Read on to find out more.

Benefits of the American Express CapitaCard

  • Welcome offer. New members can receive 150,000 STAR$ while existing members can get 50,000 STAR$ upon $1,500 minimum spend within the first 3 months of card approval. T&Cs apply. Ends 31 January 2022.
  • Extra rewards at CapitaLand Malls. This card aims to get you maximum rewards on your transactions at this network of CapitaLand malls. Any transactions at a CapitaLand mall will return up to 0.5% rebate (awarded in 1X STAR$) for every $1 spent, up to 2% rebate (awarded in 4X STAR$) when you shop at participating merchants in CapitaLand Malls in the heartlands and up to 3% rebate (awarded in 6X STAR$) at participating merchants in CapitaLand Malls in town.​ An additional 5% rebate (awarded in 10X STAR$) when you spend at participating STAR$ X’tra Partners in CapitaLand Malls.​
  • Free parking when you shop. Meet the $1,200 per calendar month spending requirement and you can park free of charge every day for up to 3 hours. If you spend over $1,800 per month you get access to Privileged Parking lots at CapitaLand malls.
  • Annual fee waiver. Your credit card account membership fee is waived for your first year.
  • American Express service and benefits. The CapitaCard credit card is issued by American Express so you get all the usual American Express perks, including dining discounts thanks to American Express Invites and savings on accommodation and travel with Live The World.
  • Referral bonus. Earn 50,000 STAR$ (worth $50 eCapitaVoucher) per successful referral. Your friend will get 50,000 STAR$ (worth $50 eCapitaVoucher) upon spend of $2,000 in the first 3 months of membership. T&Cs apply. Valid until 31 Jan 2022.
  • Tesla Model 3 Draw. Receive up to 30 bonus chances for the Tesla Model 3 draw when you apply for an American Express card T&Cs apply.

Features of the American Express CapitaCard Credit Card

This features a solid mix of earnings and perks, with a special focus on getting you more out of every transaction at a CapitaLand mall. Issued by American Express, you get a rounded set of features including top quality service from American Express.

  • Annual Fee. You’ll be charged $171.20 (inclusive of GST) every year you renew your card, the first year is free. There is no fee for the first two supplementary cardmembers, thereafter it is $85.60 per supplementary cardmember.
  • Apple Pay. Tap and pay with your iPhone when you register your American Express CapitaCard credit card with Apple Pay.
  • American Express Global Assist. If you lose your passport while travelling or need immediate professional advice, the Global Assist team will answer your questions around the clock.

Application criteria

Compare the CapitaVoucher rebates you’ll receive with this card to rewards offered by other cards. Make sure you meet the following criteria before you start.

  • Minimum income per annum of $30,000 for Singaporeans, $60,000 for expats
  • Primary applicant is over 21 – supplementary card applicants must be at least 18 years of age
  • Singapore residency required
  • A good credit record

Required information/documents

  • ID card or passport
  • Details of income
  • Confirmation of address

Once you’ve completed your application you will be requested to upload your supporting documents via the Submit Supporting Documents page.

Bottom line

There are a range of ways to save as you spend with the American Express CapitaCard. In addition to earning 6X STAR$ on your transactions at CapitaLand malls, you also have the chance to earn an additional 10X STAR$ on eligible spend at participating outlets across participating malls through the STAR$ Xtra Partners program. Meet minimum spend requirements and you can also receive complimentary 3 hours of parking, every day, across participating CapitaLand malls.

As an American Express card member you also benefit from exclusive card membership benefits, including American Express Invites. What’s more, this card’s annual fee of $171.20 which is waived for the first year.

Ask Finder

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms and Privacy Policy.
Go to site