American Express CapitaCard

Key Features

  • Earn up to 15 STAR$®
    for every S$1 spent on eCapitaVoucher purchases, capped at S$1,200 monthly
  • Earn up to 20 STAR$®
    at participating Merchants at Heartlands CapitaLand Malls, capped at S$1,200 monthly
  • Earn up to 30 STAR$®
    at participating Merchants in CapitaLand Malls in Town

Promotion

Rewards
  • Get up to 1.5% rebate (awarded in 3X STAR$® or 15 STAR$®) on eCapitaVoucher purchases, with a monthly cap of S$1,200 spent on eCapitaVoucher purchases.
  • Earn up to 2% rebate (awarded in 4X STAR$® or 20 STAR$®) on eligible purchases of goods and services at participating merchants in CapitaLand Malls in the heartlands, with a monthly cap of S$1,200 of eligible spend.
  • Earn up to 3% rebate (awarded in 6X STAR$® or 30 STAR$®) on eligible purchases of goods and services at participating merchants in CapitaLand Malls in town, with a monthly cap of S$1,200 of eligible spend.
  • Receive an additional 5% rebate (awarded in 50 STAR$®) on every S$1 spent at participating STAR$® X’tra Partners in CapitaLand Malls. This is in addition to the STAR$® earned across participating merchants at CapitaLand Malls.
  • Enjoy 3 hours of complimentary parking per mall, per day at participating CapitaLand Malls with a monthly eligible spend of S$1,200. Plus, get complimentary Privileged Parking lots at participating CapitaLand Malls with a monthly eligible spend of min. S$1,800.
Groceries

This card supports all grocery stores, with bonus STAR$ at Cold Storage, FairPrice, Giant & Market Place in CapitaLand Malls.

  • You can earn up to 1.5% rebate (awarded in 3X STAR$® or 15 STAR$®) for every S$1 spent on eCapitaVoucher purchases, with a cap of S$1,200 per calendar month.
  • For eligible purchases of goods and services in participating merchants in CapitaLand Malls in the heartlands, you can earn up to 2% rebate (awarded in 4X STAR$® or 20 STAR$®) for every S$1 spent, with a cap of S$1,200 per calendar month.
  • If you make eligible purchases of goods and services in participating merchants in CapitaLand Malls in town, you can earn up to 3% rebate (awarded in 6X STAR$® or 30 STAR$®) for every S$1 spent, with a cap of S$1,200 per calendar month.
  • When you shop at participating STAR$® X’tra Partners in CapitaLand Malls, you can receive an additional 5% rebate (awarded in 50 STAR$®) for every S$1 spent, on top of the STAR$® you already earn across participating merchants.
  • If you spend S$1,200 or more on eligible purchases per calendar month, you can enjoy 3 hours of complimentary parking per mall, per day across participating CapitaLand Malls. And if you spend at least S$1,800 on eligible purchases per calendar month, you can also get complimentary Privileged Parking lots at participating CapitaLand Malls.
Shopping

This card supports all grocery stores, with bonus STAR$ at Cold Storage, FairPrice, Giant & Market Place in CapitaLand Malls.

  • You can earn up to 1.5% rebate (awarded in 3X STAR$® or 15 STAR$®) for every S$1 spent on eCapitaVoucher purchases, with a cap of S$1,200 per calendar month.
  • For eligible purchases of goods and services in participating merchants in CapitaLand Malls in the heartlands, you can earn up to 2% rebate (awarded in 4X STAR$® or 20 STAR$®) for every S$1 spent, with a cap of S$1,200 per calendar month.
  • If you make eligible purchases of goods and services in participating merchants in CapitaLand Malls in town, you can earn up to 3% rebate (awarded in 6X STAR$® or 30 STAR$®) for every S$1 spent, with a cap of S$1,200 per calendar month.
  • When you shop at participating STAR$® X’tra Partners in CapitaLand Malls, you can receive an additional 5% rebate (awarded in 50 STAR$®) for every S$1 spent, on top of the STAR$® you already earn across participating merchants.
  • If you spend S$1,200 or more on eligible purchases per calendar month, you can enjoy 3 hours of complimentary parking per mall, per day across participating CapitaLand Malls. And if you spend at least S$1,800 on eligible purchases per calendar month, you can also get complimentary Privileged Parking lots at participating CapitaLand Malls.
Dining

Earn STAR$ on all spend, and bonus STAR$ at CapitaLand Malls

  • You can earn up to 1.5% rebate (awarded in 3X STAR$® or 15 STAR$®) for every S$1 spent on eCapitaVoucher purchases, with a cap of S$1,200 per calendar month.
  • For eligible purchases of goods and services in participating merchants in CapitaLand Malls in the heartlands, you can earn up to 2% rebate (awarded in 4X STAR$® or 20 STAR$®) for every S$1 spent, with a cap of S$1,200 per calendar month.
  • If you make eligible purchases of goods and services in participating merchants in CapitaLand Malls in town, you can earn up to 3% rebate (awarded in 6X STAR$® or 30 STAR$®) for every S$1 spent, with a cap of S$1,200 per calendar month.
  • When you shop at participating STAR$® X’tra Partners in CapitaLand Malls, you can receive an additional 5% rebate (awarded in 50 STAR$®) for every S$1 spent, on top of the STAR$® you already earn across participating merchants.
  • If you spend S$1,200 or more on eligible purchases per calendar month, you can enjoy 3 hours of complimentary parking per mall, per day across participating CapitaLand Malls. And if you spend at least S$1,800 on eligible purchases per calendar month, you can also get complimentary Privileged Parking lots at participating CapitaLand Malls.

Other Features

  • Earn up to 1.5% rebate (awarded in 3X STAR$® or 15 STAR$®) for every S$1 spent on eCapitaVoucher purchases, capped at S$1,200 spent on eCapitaVoucher purchases per calendar month

  • Earn up to 2% rebate (awarded in 4X STAR$® or 20 STAR$®) for every S$1 spent on eligible purchases of goods and services in participating merchants in CapitaLand Malls in the heartlands, capped at S$1,200 of eligible spend calendar month

  • Earn up to 3% rebate (awarded in 6X STAR$® or 30 STAR$®) for every S$1 spent on eligible purchases of goods and services in participating merchants in CapitaLand Malls in town, capped at S$1,200 of eligible spend calendar month

  • Additional 5% rebate (awarded in 50 STAR$®) for every S$1 spent at participating STAR$® X’tra Partners in CapitaLand Malls – this is on top of the STAR$® that you earn across participating merchants at CapitaLand Malls

  • Earn 0.5% rebate (awarded in 5 STAR$®) for every S$1 spent on eligible purchases outside CapitaLand Malls

  • Enjoy 3 hours complimentary parking per mall, per day across participating CapitaLand Malls with S$1,200 eligible spend per calendar month and complimentary Privileged Parking lots at participating CapitaLand Malls with min. S$1,800 eligible spend per calendar month.

  • At LOANPANDA, we strive to keep our information accurate and up to date. This information may be different from what you see when you visit a financial institution, service provider, or specific product site. LOANPANDA shall not be liable to compensate the Customer should the information is not as updated as our Partner.

Eligibility

Singaporean/PR Minimum Income
  • Card application is subjected to customers meeting the regulatory minimum income requirement and internal assessment.
Non-Singaporean Minimum Income
  • Card application is subjected to customers meeting the regulatory minimum income requirement and internal assessment.

Fees and Charges

  • Annual Principal Fee: S$172.80 (incl. of 8% GST with effect from 1 Jan 2023)
  • Supplementary Annual Fee: First 2 Supplementary Cards fee permanently waived. S$86.40 (incl. of 8% GST with effect from 1 Jan 2023). for each subsequent Supplementary Card.
  • Fee Waiver: Available
  • Interest Free Period: 22 days
  • Annual Interest Rate: 26.90%
  • Late Payment Fees: S$100
  • Minimum Monthly Repayment: 3% or S$50, whichever is higher
  • Foreign Currency Transaction Fee: 2.95%
  • Foreign Check Fee: N/A
  • Cash Advance Transaction Fee: Handling fee of 5% of Card Member’s withdrawal amount will apply for each withdrawal amount.
  • Overlimit Fee: N/A

Review

By LOANPANDA

The American Express CapitaCard offers rewards for purchases at participating CapitaLand Malls, with up to 15 STAR$ for every S$1 spent on eCapitaVoucher purchases, up to 20 STAR$ at participating merchants in Heartland CapitaLand Malls, and up to 30 STAR$ at participating merchants in CapitaLand Malls in town.

Cardholders can also earn rebates of up to 3% for eligible purchases at participating merchants, and receive complimentary parking at participating CapitaLand Malls with a minimum spend. The card supports all grocery stores, with bonus STAR$ at Cold Storage, FairPrice, Giant & Market Place in CapitaLand Malls.

FAQ

A credit card is a convenient tool for people to pay for purchases today, offering many perks and rewards that can add up to more savings for the cardholders.

While there are so many types of credit cards offering different features, you may wonder: How best to choose one that suits you?

Here’s a short guide LOANPANDA has compiled to help you understand the credit card requirements, interest rates and basic payment terms.

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