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American Express CapitaCard Review

Sally McMullen
Sally McMullen
Last updated:  

Maximise your rewards at CapitaLand malls, including cash rebates and free parking.

Find out why this American Express card could be a great fit if you regularly shop at CapitaLand malls, and like to take advantage of all the usual American Express benefits.

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

Annual Fee

25.9%

Effective Interest Rate

S$30,000

Min Income - Singaporean and PR

Details

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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More Info

The American Express CapitaCard lets you earn 3X 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. Receive an American Tourister Hypebeat 79/29 Spinner luggage (worth S$239) upon S$3,000 minimum spend within the first 3 months of card approval. Ends 30 June 2020.
  • Extra rewards at CapitaLand Malls. This card aims to get you maximum rewards on your transactions at this network of CapitaLand malls. Any transactions at a CapitaLand mall will return 1X STAR$ 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. 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. Receive a referral bonus of S$50 CapitaVouchers (awarded in STAR$®) for you and your friend when you successfully refer a friend. You’ll get another S$50 CapitaVoucher if you refer ten people.

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.

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
  • 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 3X 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 S$171.20 which is waived for the first year.

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