Regardless of whether you want to earn cashback, miles or rewards points in general, the largest local bank in Singapore has you covered. Here are the DBS/POSB credit cards worth your consideration.
Did you know that no matter which DBS/POSB credit card you end up going for, there are plenty of nice perks you can enjoy as a DBS/POSB credit card member? From deals and promotions to earning tangible rewards, the sky’s the limit.
Not to forget, you can also earn higher interest rates of up to 3.00% p.a. with the DBS Multiplier Account as you credit your income/ dividends, spend on your DBS/POSB credit card, finance your DBS home loan, purchase insurance policies and invest.
Interested in getting a DBS/POSB credit card but aren’t sure which one is right for you? Read on and click ahead — we’ve rounded up the best DBS/POSB credit cards for your easy reference.
- Best for cashback
- Best for miles
- Best for DBS Points
- Best for Gen-Zs and millennials
- Best for online shopping
- Best all-round credit card
Best DBS/POSB Credit Cards In Singapore
| Best for | Credit card | Key benefits |
| Cashback | DBS Live Fresh POSB Everyday Card | - 5% cashback on online and Visa contactless spend - Extra 5% cashback on select eco spend - Up to 10% cashback on dining - 8% cashback on Amazon.sg, Lazada, Qoo10, Shopee, RedMart, iHerb, Taobao and Popular Online Store - 5% cash rebate at Sheng Siong |
| Miles | DBS Altitude | - 2X complimentary airport lounge passes - 1.2 mpd local spend - 2 mpd foreign currency spend - 3 mpd online flight & hotel transactions, capped at S$5000 per month - Up to 10 mpd on Agoda, Expedia and Kaligo - Membership renewal bonus of 10,000 miles |
| DBS Points | DBS Woman’s World Card DBS Woman’s Card | - 2X DBS points per dollar on local online spend - 1X DBS Points per dollar on local online spend |
| Gen-Zs and millennials | DBS Live Fresh DBS Woman’s Card | - 5% cashback on online and Visa contactless spend - 1X DBS Points per dollar on local online spend |
| Online shopping | DBS Live Fresh DBS Woman’s World Card DBS Woman’s Card | - 5% cashback on online and Visa contactless spend - 2X DBS points per dollar on local online spend - 1X DBS Points per dollar on local online spend |
| All-round credit card | POSB Everyday Card | - Up to 10% cash rebate on dining - 8% cashback on Amazon.sg, Lazada, Qoo10, Shopee, RedMart, iHerb, Taobao and Popular Online Store - 5% cash rebate at Sheng Siong - 3% cash rebate at Watsons - Up to 3% cash rebate on recurring electricity bills - 3% cash rebate on recurring telco bills - Up to 20.1% fuel savings at SPC |
Best for cashback
Cashback credit cards are some of the most straightforward types of rewards credit cards out there. DBS Live Fresh could be the card for you if you primarily spend online or in-store via contactless payment, and are comfortable with spending at least S$600 a month. On the other hand, POSB Everyday Card is a great option if you have a family to support since it rewards you on a variety of expenses from dining, online shopping and personal care to groceries, fuel, electricity and StarHub bills.
| DBS Live Fresh | POSB Everyday Card | |
| Key Benefits | 5% cashback on online and Visa contactless spend, including SimplyGo rides Additional 5% cashback on select eco spend 0.3% cashback for all other spend | Up to 10% cashback on dining 8% cash rebate on select online shopping platforms 5% cashback at Sheng Siong 3% cashback at Watsons Up to 20.1% fuel savings at SPC with no min. spend Up to 3% cashback on recurring electricity bills 3% cashback on recurring telco bills 0.3% cashback on all other transactions |
| Cons | Min. spend S$600 monthly required to earn 5% cashback, otherwise you’ll earn 0.3% S$75 cashback cap per calendar month - split into S$20 on eligible online spend, S$20 on eligible Visa contactless spend, S$20 on all other spend, and S$15 on eligible eco spend | Min. spend S$800 required to earn up to 10% on dining. Cashback capped at S$15 per calendar month. Valid till 31 Dec 2021 Min. spend S$800 required to earn 5% cashback on online shopping on RedMart, iHerb, Lazada, Qoo10, Shopee and Amazon.sg, Taobao and Popular Online Store. Cashback capped at S$15 per calendar month. Valid till 31 Dec 2021 Sheng Siong cashback capped at S$30 per calendar month Cashback on recurring electricity bills capped at S$3 per calendar month Cashback on recurring telco bills capped at S$3 per calendar month |
Best for miles
The two air miles credit cards from DBS are fairly similar — you get to choose from the Visa or American Express variant depending on your preference as well as the extra perks that come with each of these credit cards.
| DBS Altitude Visa | DBS Altitude American Express | |
| Key Benefits | 1.2 mpd local spend 2 mpd foreign currency spend 3 mpd online flight & hotel transactions, capped at S$5,000 per month Up to 10 mpd on Agoda, Expedia and Kaligo Annual card renewal 10,000 mile bonus when you pay the annual fee Up to S$1 million travel accident insurance coverage when you charge your full travel fare to this card | 1.2 mpd local spend 2 mpd foreign currency spend 3 mpd online flight & hotel transactions, capped at S$5,000 per month Up to 10 mpd on Agoda, Expedia and Kaligo Annual card renewal 10,000 mile bonus when you pay the annual fee Up to S$1 million travel accident insurance coverage when you charge your full travel fare to this card |
| Extra perks | 2 free Priority Pass lounge visits within each 12-month period of your membership 1.2 mpd on your bus/MRT rides. Min. spend of S$1.67 on bus/train rides is required to qualify for 1 DBS Point Visa Digital Concierge Golf Club Privileges Visa Airport Transfer Service discount Attractive travel offers when you visit Japan | Up to 50% savings on dining, shopping, accommodation and more with Live The World 10% savings on outlet price and services at The Bicester Village Shopping Collection in Europe Complimentary Silver Membership at Shinsegae Duty Free and Hyundai Department Store, South Korea |
| Cons | Miles are awarded in the form of DBS points which are awarded for every S$5 spent Each conversion of DBS points to miles will be subjected to an administrative fee of $25 (exclusive of GST) | Miles are awarded in the form of DBS points which are awarded for every S$5 spent Each conversion of DBS points to miles will be subjected to an administrative fee of S$25 (exclusive of GST) American Express is less widely accepted compared to Visa |
Best for DBS points
As unintuitive as it may be, both men and women are allowed to sign up for DBS Woman’s World Card and DBS Woman’s Card if they so wish. These two rewards credit cards from DBS dole out generous rewards points on online purchases. The best part? No minimum spend!
| DBS Woman’s World Card | DBS Woman’s Card | |
| Key Benefits | 2X DBS points per dollar on local online spend 0.6 DBS points per dollar on foreign currency spend 0.2 DBS points per dollar of local spend on other purchases No min. monthly spend required | 1X DBS Points per dollar on local online spend 0.2 DBS points per dollar of local spend on other purchases No min. monthly spend required |
| Cons | 2X DBS points per dollar on online spend are only applicable for the first S$2,000 online spend per calendar month High annual income requirement of S$80,000 DBS points are only awarded for every S$5 spent | 1X DBS points per dollar on online spend are only applicable for the first S$1,000 online spend per calendar month DBS points are only awarded for every S$5 spent |
Best for Gen-Zs and millennials
It isn’t far-fetched to say that Gen-Zs and millennials are adept at all things online, including buying anything and everything off the internet effortlessly. DBS Live Fresh and DBS Woman’s Card are particularly great for those who have a penchant for doing their shopping online.
These two cards have a minimum annual income requirement of just S$30,000 — great even if you are a freshly minted joinee of the workforce.
| DBS Live Fresh | DBS Woman’s Card | |
| Key Benefits | 5% cashback on online and Visa contactless spend, including SimplyGo rides Additional 5% cashback on select eco-friendly merchants 0.3% cashback for all other spend | 1X DBS Points per dollar on local online spend 0.2 DBS points per dollar of local spend on other purchases No min. monthly spend required |
| Cons | Min. spend S$600 monthly required to earn 5% cashback, otherwise you’ll earn 0.3% S$75 cashback cap per calendar month - split into S$S20 on eligible online spend, S$20 on eligible Visa contactless spend, S$20 on all other spend, and S$15 on eligible eco spend | 1X DBS points per dollar on online spend are only applicable for the first S$1,000 online spend per calendar month DBS points are only awarded for every S$5 spent |
Best for online shopping
DBS Woman’s World Card, DBS Woman’s Card and DBS Live Fresh are credit cards that reward you handsomely on your online purchases in local SGD currency. The most generous of them all — DBS Woman’s World Card — is also the hardest to attain as it has a rather high annual income requirement.
| DBS Woman’s World Card | DBS Woman’s Card | DBS Live Fresh | |
| Key Benefits | 2X DBS points per dollar on local online spend 0.6 DBS points per dollar on foreign currency spend 0.2 DBS points per dollar of local spend on other purchases No min. monthly spend required Complimentary e-commerce protection for online purchases | 1X DBS Points per dollar on local online spend 0.2 DBS points per dollar of local spend on other purchases No min. monthly spend required Complimentary e-commerce protection for online purchases | 5% cashback on online and Visa contactless spend, including SimplyGo rides Additional 5% cashback on select eco spend 0.3% cashback for all other spend |
| Cons | 2X DBS points per dollar on online spend are only applicable for the first S$2,000 online spend per calendar month High annual income requirement of S$80,000 DBS points are only awarded for every S$5 spent | 1X DBS points per dollar on online spend are only applicable for the first S$1,000 online spend per calendar month DBS points are only awarded for every S$5 spent | Min. spend S$600 monthly required to earn 5% cashback, otherwise you’ll earn 0.3% S$75 cashback cap per calendar month - split into S$20 on eligible online spend, S$20 on eligible Visa contactless spend, S$20 on all other spend, and S$15 on eligible eco spend |
Best all-round credit card
An individual who has his or her own family to support may find their ideal all-in-one credit card in the form of POSB Everyday Card. This cashback credit card offers cash rebates on dining, online shopping, Watsons purchases, grocery shopping at Sheng Siong, recurring electricity and StarHub bills and SPC petrol purchases. Most grounds are covered. You can even pair this card with the DBS Multiplier Account to earn 0.40% p.a. or more on your hard earned savings.
| Key benefits of POSB Everyday Card | Pros | Cons |
| Up to 10% cash rebate on dining | 10% cashback on online food delivery transactions on foodpanda, Deliveroo and WhyQ only 3% cashback on all other dining spend (online and offline) under MCC 5811, 5812 and 5813 only | Min. S$800 monthly spend required Dining rebate cap - S$15 per calendar month Valid until 31 Dec 2021 |
| 8% cash rebate on online shopping | Only available for online shopping on RedMart, iHerb, Lazada, Qoo10, Shopee, Amazon.sg, Taobao and Popular Online Store | Min. S$800 monthly spend required Rebate cap - S$15 per calendar month Valid until 31 Dec 2021 |
| 5% cash rebate at Sheng Siong | No min. spend required | Rebate cap - S$30 per calendar month |
| 3% cash rebate at Watsons | Available online and in-store No min. spend required | NIL |
| Up to 3% cash rebate on recurring electricity bills | Includes SP Group, Geneco, Sembcorp Power Union Power, Best Electricity, Ohm Energy, Tuas Power, Keppel Electric and Senoko Energy No min. spend required | Cash rebate on recurring electricity bills is capped at S$3 per calendar month |
| 3% cash rebate on recurring telco bills | No min. spend required | Cash rebate is capped at S$3 per calendar month |
| Up to 20.1% fuel savings at SPC | No min. spend required | 20.1% savings stem from discounts from SPC&U Card and DBS/POSB Card, as well as cash rebates from POSB Everyday Card Valid until 31 Dec 2021 |
Read these next:
Loyal DBS/POSB Customers: Which Credit Card Should You Add To Your Wallet?
Cashback vs Miles vs Rewards: Which Is The Best Type Of Credit Card For You?
Best Cashback Credit Cards In Singapore
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Best OCBC Credit Cards In Singapore
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