American Express CapitaCard Review

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Maximise your rewards at CapitaLand malls including rebates and complimentary parking.

Earn 3X STAR$ on your transactions at CapitaLand malls with the American Express CapitaCard. Plus, get the chance to earn bonus rates through the STAR$ Xtra Partners program. Meet minimum spend requirements and you receive complimentary 3 hours of parking, every day, across participating CapitaLand malls.

S$0 annual fee for 1 year - S$171.20 thereafter

Annual Fee


Effective Interest Rate


Min Income - Singaporean and PR


Product NameAmerican Express CapitaCard
RewardEarn 3X STAR$ when you shop at participating CapitaLand malls, and more
Effective Interest Rate25.9%
Interest Free PeriodUp to 22 days
Maximum Credit LimitUp to 4X of monthly income
Minimum Monthly Repayment3% of outstanding balance or S$50, whichever is higher
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Get more out of your CapitaLand mall experience with the American Express CapitaCard.

You also earn additional 10X STAR$ on eligible spend at participating outlets across participating CapitaLand malls. This is on top of 3X STAR$ earned. As an American Express card member you also benefit from exclusive card membership benefits, including American Express Invites.

The card has an annual fee of S$171.20 which is waived for the first year.

Benefits of the American Express CapitaCard

  • Sign-up bonus. Receive an American Tourister Hypebeat 79/29 Spinner luggage (worth S$239) upon S$3,000 minimum spend within the first 3 months of card approval. Ends 30 April 2020.
  • Supplementary card offer. Add supplementary cardholders and get S$20 worth of CapitaVouchers for each approved member (up to two cardholders). Ends 30 April 2020.
  • Extra rewards at CapitaLand Malls. This card aims to get you maximum rewards on your transactions at this network of CapitaLand malls. Any transactions at a CapitaLand mall will return 1X STAR$ for every S$1 spent, while selected stores can earn you 10X STAR$ for every S$1 spend, capped at S$1,200 purchases per month.
  • Free parking when you shop. Meet the S$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 S$1,800 per month you get access to Privileged Parking lots at CapitaLand malls.
  • Annual fee waiver. Waived for 1 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.

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 S$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 S$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.
  • Supplementary cardholders. Add up to two supplementary cardholders free of charge, and more by paying a proportion of the annual fee for each supplementary card. You will also receive $20 CapitaVoucher for each approved Supplementary Card up to two (2) Supplementary Cards.

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 S$30,000, S$60,000 for expats
  • Main applicant is over 21
  • 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.

If you regularly shop at CapitaLand malls you stand to earn substantial rewards including the option to earn free parking if you apply for and pay with the American Express CapitaCard.

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