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.
Up to 10% cashback on eco-merchants: DBS Live Fresh
Best cashback on dining, groceries, shopping, etc.: POSB Everyday Card
1.3 mpd on local spend and 2.2 mpd on foreign spend: DBS Altitude Visa | DBS Altitude AMEX
Up to 5X or 10X DBS Points: DBS Woman's Card | DBS Woman's World Card
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 4.10% 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.
Table of contents
- Best DBS/POSB credit cards overview
- Best for cashback
- Best for miles
- Best for Gen-Zs and millennials
- Best for online shopping
- Best all-around credit card
Overview: Best DBS/POSB credit cards
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Best for
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Credit card
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Key benefits
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| Cashback |
DBS Live Fresh Card
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5% cashback on online and Visa contactless spend
Extra 5% cashback on select eco spend
0.3% on all other spend
Cashback capped at S$75 per month |
DBS yuu Card
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36 yuu points (18% cashback) at participating merchants with S$600 minimum spend
10 yuu points (5% base cashback) at participating merchants with no minimum spend
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| Miles |
DBS Altitude Visa Card
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2X complimentary airport lounge passes per year
1.3 mpd local spend
2.2 mpd foreign currency spend
Up to 6 mpd on Expedia and up to 10 mpd on Kaligo
DBS Points never expire Membership renewal bonus of 10,000 miles
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DBS Altitude AMEX Card
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||
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DBS Woman’s Card
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5X DBS Points per S$1 spend on online purchases (2 mpd)
1X DBS Points per S$1 spend on all other purchases (0.4 mpd)
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DBS Woman’s World Card
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10X DBS Points per S$1 spend on online purchases (4 mpd)
3X DBS Points per S$1 spend on overseas purchases (1.2 mpd)
1X DBS Point per S$1 spend on all other spend (0.4 mpd)
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| Gen-Zs and millennials |
DBS Live Fresh Card
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5% cashback on online and Visa contactless spend
Additional 5% cashback on select eco-merchants |
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DBS Woman’s Card
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5X DBS Points per S$1 spend on online purchases (2 mpd)
1X DBS Points per S$1 spend on all other purchases (0.4 mpd)
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| Online shopping |
DBS Live Fresh Card
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5% cashback on online and Visa contactless spend
Additional 5% cashback on selected eco-merchants
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DBS Woman’s Card
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5X DBS Points per S$1 spend on online purchases (2 mpd)
1X DBS Points per S$1 spend on all other purchases (0.4 mpd)
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DBS Woman’s World Card
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10X DBS Points per S$1 spend on online purchases (4 mpd)
3X DBS Points per S$1 spend on overseas purchases (1.2 mpd) 1X DBS Point per S$1 spend on all other spend (0.4 mpd) |
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All-round credit card
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POSB Everyday Card
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Up to 10% cash rebate on dining (capped at Daily$15 per month)
5% cashback on Amazon.sg, Lazada, Qoo10, Shopee, RedMart, iHerb, Taobao and Popular Online Store (capped at Daily$15 per month)
5% cash rebate at Sheng Siong (capped at Daily$50 per month)
Up to 3% cash rebate on recurring electricity bills (capped at Daily$3 per month)
3% cash rebate on recurring telco bills (capped at Daily$3 per month)
Up to 20.1% fuel savings + 2% additional cash rebates at SPC
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Best for cashback: DBS Live Fresh, DBS yuu & POSB Everyday
Cashback credit cards are some of the most straightforward types of rewards credit cards out there.
DBS Live Fresh Card 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.
DBS yuu Card offers a base cash rebate of 5% (10 yuu points) at participating merchants with no minimum spend required.
You'll earn an additional 13% cash rebate (26 yuu points) when you spend a minimum of S$600 per month, or up to 18% cashback in total (36 yuu points).
However, note that you'll need to link your DBS yuu card to the yuu mobile app and pay by scanning your yuu ID to enjoy the maximum cash rebate. That's because the yuu app offers 0.5% cash rebate (1 yuu point), whereas the card earns you a 4.5% cash rebate (9 yuu point).
On the other hand, the POSB Everyday Card is a great option if you have a family to support since it rewards you on various expenses from dining, online shopping and personal care to groceries, petrol, utilities, and telco bills.
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POSB Everyday Card
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DBS yuu AMEX Card
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DBS Live Fresh Card
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DBS yuu Card
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POSB Everyday Card
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Key Benefits
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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
S$75 cashback cap per calendar month: - S$20 on eligible online spend - S$20 on eligible Visa contactless spend - S$20 on all other spend - S$15 on eligible eco spend |
5% base cashback at participating yuu merchants, no minimum spend
18% cashback at participating yuu (S$600 monthly minimum spend) |
Up to 10% cash rebate on dining (capped at Daily$15 per month)
5% cashback on Amazon.sg, Lazada, Qoo10, Shopee, RedMart, iHerb, Taobao and Popular Online Store (capped at Daily$15 per month)
5% cash rebate at Sheng Siong (capped at Daily$50 per month)
Up to 3% cash rebate on recurring electricity bills (capped at Daily$3 per month)
3% cash rebate on recurring telco bills (capped at Daily$3 per month)
Up to 20.1% fuel savings + 2% additional cash rebates at SPC
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Cons
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Min. spend S$600 monthly required to earn 5% cashback, otherwise you’ll earn 0.3% |
Cash rebates only available at participating merchants, including Cold Storage, 7-Eleven, Guardian, Giant, BreadTalk, Toast Box, Food Junction, Gojek, foodpanda, and more | Min. spend S$800 required to earn up to 10% on dining. 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. Min. spend S$800 required to earn 3% cash rebates for telco spend Sheng Siong cashback capped at S$30 per calendar month Cashback on recurring electricity bills capped at S$5 per calendar month Cashback on recurring telco bills capped at S$3 per calendar month |
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Annual fee
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S$194.40 (first year waived) | S$194.40 (first year waived) | S$194.40 (first year waived) |
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Minimum annual income
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S$30,000 (Singaporeans and Singapore PRs) S$45,000 (foreigners) |
S$30,000 (Singaporeans and Singapore PRs) S$45,000 (foreigners) |
S$30,000 (Singaporeans and Singapore PRs) S$45,000 (foreigners) |
Best for miles: DBS Woman's Card, DBS Woman's World Card & DBS Altitude Visa / AMEX
The best DBS miles card is the DBS Woman's World Card.
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!
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DBS Woman's Card |
DBS Woman's World Card |
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DBS Woman’s Card
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DBS Woman’s World Card
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Key Benefits
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5X DBS Points per S$1 spend on online purchases (2 mpd)
1X DBS Points per S$1 spend on all other purchases (0.4 mpd)
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10X DBS Points per S$1 spend on online purchases (4 mpd)
3X DBS Points per S$1 spend on overseas purchases (1.2 mpd)
1X DBS Point per S$1 spend on all other spend (0.4 mpd)
Bonus points capped at S$2,000 online spend per calendar month |
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Cons
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Bonus points capped at S$1,000 online spend per calendar month
DBS points are only awarded for every S$5 spent, rounded down to the nearest whole number
DBS points expire in a year |
High annual income requirement of S$80,000
DBS points are only awarded for every S$5 spent, rounded down to the nearest whole number
DBS points expire in a year |
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Annual fee
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S$162 (first year waived)
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S$194.40 (first year waived)
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Minimum annual income
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S$30,000 (Singaporeans and Singapore PRs)
S$45,000 (foreigners) |
S$80,000 (Singaporeans, Singapore PRs, or foreigners)
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Aside from that, there's also the DBS Altitude Card. There are two variants to choose from — Visa or American Express — depending on your preference and the extra perks that come with each credit card.
| DBS Altitude Visa Card
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DBS Altitude AMEX Card
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DBS Altitude Visa
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DBS Altitude American Express
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Key Benefits
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1.3 mpd local spend
2.2 mpd foreign currency spend Up to 6 mpd on eligible Expedia
Up to 10 mpd on Agoda, Expedia and Kaligo
Annual card renewal 10,000-mile bonus when you pay the annual fee
Get up to S$200,000 complimentary travel accident insurance coverage when you charge your full travel fare to this card
DBS Points never expire |
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 6 mpd on Expedia and up to 10mpd on Kaligo
Annual card renewal 10,000-mile bonus when you pay the annual fee
Get up to S$200,000 complimentary travel accident insurance coverage when you charge your full travel fare to this card
DBS Points never expire |
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Extra perks
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Two free Priority Pass lounge visits within each 12-month period of your membership
1.3 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
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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 Mr and Mrs Smith SilverSmith membership
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Cons
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DBS points are only awarded for every S$5 spent, rounded down to the nearest whole number
Each conversion of DBS points to miles will be subjected to an administrative fee of $27 (inclusive of GST)
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DBS points are only awarded for every S$5 spent, rounded down to the nearest whole number
Each conversion of DBS points to miles will be subjected to an administrative fee of S$27 (inclusive of GST)
American Express is less widely accepted compared to Visa
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Annual fee
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S$194.40 (first year waived)
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S$194.40 (first year waived)
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Minimum annual income
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S$30,000 (Singaporeans and Singapore PRs)
S$45,000 (foreigners) |
S$30,000 (Singaporeans and Singapore PRs)
S$45,000 (foreigners) |
Best for Gen-Zs and millennials: DBS Live Fresh & DBS Woman's World Card
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 Card 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 entrant to the workforce.
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DBS Live Fresh
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DBS Woman’s Card
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Key Benefits
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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
S$75 cashback cap per calendar month:
- S$S20 on eligible online spend
- S$20 on eligible Visa contactless spend
- S$20 on all other spend
- S$15 on eligible eco spend
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5X DBS Points per S$1 spend on online purchases (2 mpd)
1X DBS Points per S$1 spend on all other purchases (0.4 mpd)
No min. monthly spend required
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Cons
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Min. monthly spending of S$600 required to earn 5% cashback, otherwise, 0.3% cashback
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Bonus points capped at S$1,000 online spend per calendar month
DBS points are only awarded for every S$5 spent, rounded down to the nearest whole number
DBS points expire in a year |
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Annual fee
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S$194.40 (first year waived)
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S$162 (first year waived)
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Minimum annual income
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S$30,000 (Singaporeans and Singapore PRs)
S$45,000 (foreigners) |
S$30,000 (Singaporeans and Singapore PRs)
S$45,000 (foreigners) |
Best for online shopping: DBS Woman's Card, DBS Woman's World Card, DBS Live Fresh
DBS Woman’s World Card, DBS Woman’s Card and DBS Live Fresh Card are credit cards that reward you handsomely for local online purchases. 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 of S$80,000 (though, it's said that the income requirement isn't particularly strict, especially if you're an existing DBS cardholder).
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DBS Woman’s Card
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DBS Woman’s World Card
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DBS Live Fresh
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Key Benefits
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5X DBS Points per S$1 spend on online purchases (2 mpd)
1X DBS Points per S$1 spend on all other purchases (0.4 mpd)
No min. monthly spend required
Complimentary e-commerce protection for online purchases
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10X DBS Points per S$1 spend on online purchases (4 mpd)
3X DBS Points per S$1 spend on overseas purchases (1.2 mpd)
1X DBS Point per S$1 on all other spend (0.4 mpd)
No min. monthly spend required
Complimentary e-commerce protection for online purchases
Bonus points capped at S$2,000 online spend per calendar month |
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
S$75 cashback cap per calendar month: - S$20 on eligible online spend - S$20 on eligible Visa contactless spend - S$20 on all other spend - S$15 on eligible eco spend |
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Cons
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Bonus points capped at S$1,000 online spend per calendar month
DBS points are only awarded for every S$5 spent, rounded down to the nearest whole number
|
High annual income requirement of S$80,000
DBS points are only awarded for every S$5 spent, rounded down to the nearest whole number
DBS points expire in a year |
Min. spend S$600 monthly required to earn 5% cashback, otherwise you’ll earn 0.3%
|
Best all-round credit card: POSB Everyday
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 4.10% p.a. or more on your hard-earned savings.
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Key benefits
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Pros
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Cons
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Up to 10% cash rebate on dining
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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
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Min. S$800 monthly spend required
Dining rebate cap - S$15 per calendar month
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5% cash rebate on online shopping
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Only available for online shopping on RedMart, iHerb, Lazada, Qoo10, Shopee, Amazon.sg, Taobao and Popular Online Store
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Min. S$800 monthly spend required
Rebate cap - S$15 per calendar month
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5% cash rebate at Sheng Siong
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No min. spend required
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Rebate cap - S$30 per calendar month
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3% cash rebate on recurring electricity bills
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Includes SP Group, Geneco, Sembcorp Power+, Union Power, Keppel Electric, Senoko Energy, Tuas Power
No min. spend required
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Cash rebate on recurring electricity bills is capped at S$5 per calendar month
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3% cash rebate on recurring telco bills
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Includes StarHub, Singtel, Singtel GOMO, StarHub giga, M1, MyRepublic, and Circles.Life |
S$800 min. spend required
Cash rebate is capped at S$3 per calendar month |
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Up to 20.1% fuel savings at SPC
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No min. spend required
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20.1% savings stem from discounts from SPC&U Card and DBS/POSB Card, as well as cash rebates from POSB Everyday Card
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Conclusion
The best DBS cashback card is the DBS Live Fresh Card, which rewards you with up to 10% cashback with a minimum spend of S$600. You can use it for most online and mobile contactless transactions, including on everyday spending such as online shopping, dining, groceries, ride-hailing services, and public transport rides.
If you're into miles, the DBS Woman's World Mastercard is one of the best miles cards, offering 4 mpd on the first S$2,000 of your online spend. While it has a high minimum annual income of S$80,000, it's not uncommon for those earning below that threshold to get approval, especially if you're an existing DBS cardholder.
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