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DBS Altitude Credit Card Review (2023): Enjoy Expiry-Free Miles

SingSaver team

SingSaver team

Last updated 18 September, 2023

The DBS Altitude Card just unveiled increased miles earn rates of 1.3 mpd and 2.2 mpd on local and overseas spending. But that also meant reducing other bonus miles elsewhere.

Previously, the DBS Altitude Card offered a standard market rate of 1.2 miles per S$1 on local spend and 2 miles per S$1 on overseas spend but stood out in terms of its boosted 3 miles per $1 spend on hotel and flight bookings on participating online travel sites.

But since 1 August 2023, these rates have been changed – whether it's for the better or worse, we'll leave you to be the judge of that.

Now, you'll earn 1.3 miles per S$1 on local spend and 2.2 miles per S$1 on overseas spend. Even then, these updated rates are still subject to change, valid till 31 January 2024 only, so that definitely raises a few eyebrows.

Meanwhile, the bonus 3 miles per S$1 for online hotel and flight bookings has been entirely removed

The good news is, its upsized miles earned on Kaligo (up to 10 miles per S$1) and Expedia (up to 6 miles per S$1) travel bookings remain untouched; along with its annual complimentary pair of airport lounge passes and up to S$1 million complimentary travel insurance coverage.

So all that said, does the DBS Altitude Card still meet the mark as a travel credit card?

Table of contents

Looking for the best credit cards to complement your spending patterns and expenditure in 2023? Check out our Ultimate Credit Card Guide that covers all things credit cards in Singapore – from choosing between a cashback, miles, or rewards credit card to planning your credit card strategy.


What the DBS Altitude credit card can do for you

DBS-Altitude-Visa_LF-2019-2026-1024x686-1 dbs-altitude-v1-300x189
DBS Altitude Card product summary:
  • [New] Local spend: 1.3 miles per S$1 spend
  • [New] Overseas spend: 2.2 miles per S$1 spend
  • [Updated] Bonus travel spend:
    • Up to 10 miles per S$1 spend on eligible Kaligo bookings
    • Up to 6 miles per S$1 spend on eligible Expedia bookings
  • 2 complimentary airport lounge visits per year (Visa Signature version only)
  • Complimentary Mr and Mrs Smith SilverSmith membership (AMEX version only)
  • DBS Points never expire
  • Enjoy a 10,000 miles renewal bonus when you pay the card's annual fee
  • Annual income requirement: $30,000 (Singaporeans/PR), $45,000 (Foreigners)
  • Minimum age: 21
  • Annual fee: S$194.40 (First year waived)
Pros ✅ Cons ❌
[New] Above average rate of 1.3 mpd on local spend and 2.2 mpd on overseas spend Annual fee of S$194.40 (First year waived)

Attractive miles earn rates with exclusive travel partners:

  • 10 mpd on hotel transactions at Kaligo
  • 6 mpd on hotel, flight, and travel transactions at Expedia
Have to charge a minimum of S$25,000 to your card each year to receive annual fee waiver for the following year
DBS Altitude Visa Card gives 2 free lounge visits within each 12-month period of your membership [New] No more 3 mpd rate on online flight and hotel transactions
DBS Altitude AMEX Card gives complimentary Mr and Mrs Smith Silversmith membership  
DBS Points do not expire  
Receive 10,000 bonus miles (as 5,000 DBS Points) when you pay the annual fee  

DBS/POSB Credit Card Welcome Gift: Receive S$250 cashback or up to 60,000 miles when you apply for select DBS credit cards and fulfil the relevant promotion criteria. T&Cs apply.


Why should you choose the DBS Altitude credit card?

DBS-Altitude-Visa_LF-2019-2026-1024x686-1 dbs-altitude-v1-300x189

#1: Maximise your travel spend

The amplified bonus miles of 1.3 mpd and 2.2 mpd earned on local and overseas spend are definitely a welcomed upgrade for both new and existing DBS Altitude cardholders. 

Moreover, these rates are only valid till 31 January 2024. Following this, they'll be subjected to another revision from 1 February 2024 onwards.


Source: DBS

Under the DBS Altitude Card, miles are earned and accumulated in the form of DBS Points. The conversion ratios are as follows:

  • 3.25 DBS Points per S$5 spend = 1.3 mpd for local spend
  • 5.5 DBS Points per S$5 spend = 2.2 mpd for overseas spend

Thus, to calculate your number of DBS Points earned in a single transaction, you'll have to divide it by 5 before multiplying it by 3.25 or 5.5 times respectively. Do note that even for foreign currency, you'll have to convert it to SGD (per exchange rate) before calculating.

These miles earn rates rival those of the OCBC 90°N Card and the HSBC TravelOne Card, placing it squarely in between the two.

Credit card
Local spend
Overseas spend
OCBC 90°N Card
1.3 mpd
2.1 mpd
DBS Altitude Card
dbs-altitude-v1-300x189

DBSAltitudeVisaSignatureCard

1.3 mpd
2.2 mpd
HSBC TravelOne Card
1.2 mpd
2.4 mpd

See also: Best Credit Card to Earn Revenge Travel Stripes – HSBC TravelOne

But it seems that no good things come without a price, seeing how the coveted 3 mpd rate on selected online hotel and flight bookings have since been removed.

On the bright side, if you continue booking your trip essentials through Expedia or Kaligo, you’ll still earn up to 6 mpd and 10 mpd respectively – so it's still a win in that domain. 

The greatest advantage is that there is no minimum spend required for the bonus miles. You are free to chalk up miles at your own pace accordingly by making eligible local, overseas, or travel-related purchases without the pressure of meeting monthly spend criteria unlike other credit cards (e.g. KrisFlyer UOB Card).

Although the KrisFlyer UOB Card earns up to 3 KrisFlyer Miles per S$1 on everyday spend categories directly, a minimum of S$800 per year on Singapore Airlines, Scoot, and KrisShop transactions is required to qualify for this bonus miles earn rate. Moreover, KrisFlyer Miles will expire after 2 years, unlike DBS Points earned from DBS Altitude which never expire.

Exclusive Offer

KrisFlyer UOB Credit Card

KrisFlyer UOB Credit Card

Local Spending

3
Miles Per Dollar
Singapore Airlines Group and everyday spend categories
See more
See less

獎勵

Receive up to 31,000 miles plus first-year annual fee waiver (S$194.40 incl. GST) when you apply for the KrisFlyer UOB Credit Card and spend at least S$2,000 within 60 days of card approval. Valid till 31 Dec 2023. T&Cs apply.

Plus, get 1x chance to win your share of up to S$200,000 in prizes in our epic 101! Milestone Giveaway, including S$5,000 bonus cash each week on top of ongoing promotions!

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Milestone Giveaway","tandc":{"shortDescription":null,"longDescrition":"<ul><li>Promotion is valid for new applicants only, unless otherwise explicitly stated</li><li>Apply for participating products through the SingSaver website and choose your sign-up rewards to receive 1x lucky draw chance in the 101! Milestone Giveaway</li><li>1x winner will be picked each week to receive <strong>S$5,000 cash</strong> on top of existing rewards</li><li>10x lucky draw winners will be picked each week to receive an <strong>Apple Watch Ultra 2 GPS + Cellular, 49mm (worth S$1,199)</strong> on top of existing rewards</li><li>Promotion is valid until 20 December 2023</li><li><a href=\"https://singsaver.link/101milestone-tncs\" target=\"_blank\">Terms and Conditions</a> apply</li><li>SingSaver 101! Milestone Giveaway <a href=\"https://singsaver.link/101milestone-faq\" target=\"_blank\">Frequently Asked Questions</a> here</li></ul>"}},{"title":"Get up to 31,000 miles plus first year annual fee waived (S$194.40 incl. GST)","tandc":{"shortDescription":null,"longDescrition":"<ul><li>Promotion valid for new-to-UOB Credit Card holders only</li><li>Apply and spend at least S$2,000 within 60 days of card approval to be eligible for rewards</li><li>Promotion is valid until 31 December 2023</li><li><a href=\"https://www.uob.com.sg/assets/pdfs/kfcc-acq-tnc.pdf\" target=\"_blank\">Terms and Conditions</a> apply</li></ul>"}}]}],"exclusiveOffers":[{"reward":[]}],"additionalOffers":null}}, hs_created_at=1672534897191, hs_is_edited=false, hs_deleted_at=0, productname=KrisFlyer UOB Credit Card, hs_name=, hs_updated_by_user_id=28491723}})

 


#2: No air miles expiry date

Most air miles earned through credit cards have an expiry date. On the contrary, air miles earned via DBS Altitude card as DBS Points earned do not expire. This means you can slowly accumulate your air miles and work your way up to a free flight redemption to Europe or the United States. However, take note that each conversion to KrisFlyer Frequent Flyer program, Asia miles, Qantas Points, or Air Asia BIG Points will cost $27.


#3: Get your annual fee waived

No one likes paying annual fees on their credit cards, and in most cases, we try to get it waived. DBS Altitude Card offers two options when it comes to annual fees.

First off, new cardholders are entitled to their first year's annual fee waived.  Subsequently, you can choose to pay the annual fee of S$194.40 in order to receive 10,000 bonus air miles and renew your membership. In any case, it's a win-win situation depending on whether you prefer to save on some cash or benefit in bonus miles.

Do note that those that opt for the auto annual fee waiver in the first year will not be eligible for the bonus miles. Moreover, no bonus miles will be awarded to supplementary cardholders either.

See also: 4 Types of Credit Cards With Lifetime Annual Fee Waivers


#4: Enjoy complimentary travel insurance

Alternatively, if you book your online travel through the DBS Travel & Leisure Marketplace, you'll be entitled to up to S$200,000 complimentary personal accident and total disablement coverage, up to S$500 emergency medical expenses inclusive of COVID-19, and up to S$1,000 for other trip inconveniences or cancellation. 

Do note, only Singapore Residents are eligible for the above complimentary travel insurance. Foreigners are unfortunately excluded from this perk.

While these coverage benefit amounts aren't the highest – hey, at least they're something. Although, we'd much recommend getting more comprehensive travel insurance coverage from other providers (featuring awesome promospromospromos!) here on SingSaver.

SingSaver's Best Price Travel Campaign: All successful applicants of participating Travel Insurance products will receive 1x (single trip) or 3x (annual trip) draw chance to enter our weekly lucky draw, where 1 lucky winner will stand to have their flight ticket reimbursed (up to a maximum of $2,000) and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. Valid till 31 December 2023. T&Cs apply.

Travel Insurance Premium for Individual Cover Covid-19 Coverage Promotion

Starr TraveLead Travel Insurance


 

from S$11.05 (for 1 week in ASEAN)
Yes

Get up to $50 Grab Vouchers (min. Premium $30) and get 40% off when you use promo code SS40. Valid till 31 Dec 2023. T&Cs apply.  Plus, till 31 December, every applicant will also score an Apple AirTag — perfect for keeping tabs on your luggage on your next trip — or a ReboundTag. T&Cs apply.

 

 

Enjoy 1x chance (Single Trip) or 3x chances (Annual Trip) to enter our weekly lucky draw. 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. Promotion ends on 31 December 2023. T&Cs apply.

 

Additionally, enjoy 1x chance to win your share your share of up to S$200,000 in prizes in our epic 101! Milestone Giveaway, including S$5,000 bonus cash each week on top of ongoing promotions!

MSIG Travel Easy

 

from S$34.10 (for 1 week in ASEAN)
Yes

Enjoy 40% off when you apply for Single Trips and 20% off for Annual Plan plus get up to $38 Grab Vouchers when you purchase now!! Valid till 17 December 2023. T&Cs apply. Plus, till 31 December, every applicant will also score an Apple AirTag — perfect for keeping tabs on your luggage on your next trip — or a ReboundTag. T&Cs apply.

 

Enjoy up to 3x chances to enter our Weekly Lucky Draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. T&Cs apply.

 

Additionally, enjoy 1x chance to win your share your share of up to S$200,000 in prizes in our epic 101! Milestone Giveaway, including S$5,000 bonus cash each week on top of ongoing promotions!

Allianz Travel Insurance
AZ logo

 

from S$34.10 (for 1 week in Asean)
Yes

Use promo code SSV45 to get 45% discount, up to $35 Grab Vouchers, and 1x Airalo eSim with up to 3GB data (minimum premium of $60) when you apply NOW! Valid till 31 December 2023. T&Cs apply.

 

Additionally, enjoy 1x chance (Single Trip) or 3x chances (Annual Trip) to enter our weekly lucky draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. Promotion ends on 31 December 2023. T&Cs apply.

FWD Travel Insurance

 

from S$22.50 (for 1 week in Asean)
Yes

Use the promo code 12TWELVE to get a 35% discount on Single Trip and 30% discount on Annual Trip plans! Valid till 12 Dec 2023.  T&Cs apply. Also receive:

1x Airalo eSIM with up to 3GB data before your fly (minimum premium $60). Valid till 31 December 2023.

1x Apple AirTag (worth $45) for the first 3,800 applicants. Valid till 5 January 2024.

Additionally, be included in the following draws below:

Best Price TI weekly draw: Enjoy 3x chances to enter our Weekly Lucky Draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480.
101! Milestone Giveaway: Enjoy 1x chance to win your share your share of up to S$200,000 in prizes in our epic 101! Milestone Giveaway, including S$5,000 bonus cash each week on top of ongoing promotions!

Etiqa (TIQ) Travel Insurance
Tiq_Etiqa_LogoLockUp-02


from S$39 (for 1 week in Asean)
Yes

Single Trip: Use the promo code TIQSINGSAVER to get 48% off. Valid till 18 Dec 2023. T&Cs apply.

 

Annual Trip: Use promo code TIQSINGSAVER to get 60% off COVID-19 add-on. Valid till 31 Dec 2023. T&Cs apply.

 

Enjoy 1x chance (Single Trip) or 3x chances (Annual Trip) to enter our weekly lucky draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. Promotion ends on 31 December 2023.  T&Cs apply.

 

Additionally, stand to win S$3,000 in TIQ Travel Insurance Monthly Lucky Draw Campaign 2023 (Fulfillment by TIQ). Valid till 31 Dec 2023.

Singlife Travel Insurance

SINGLIFE_LOGO_200x50-2 


 

 from S$46.20 (for 1 week in ASEAN)
 Yes

Score an Airalo eSIM with up to 3GB data and receive it before you fly when you apply now! Valid till 31 December 2023. T&Cs apply.

 

Additionally, enjoy 1x chance (Single Trip) or 3x chances (Annual Trip) to enter our weekly lucky draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. Promotion ends on 31 December 2023. T&Cs apply.

 


Single Trip:
Enjoy a 28% discount when you use the promo code FLY28. Additionally, get a free 6 months heatstroke insurance. Valid till 14 Dec 2023. T&Cs apply.

 

Annual Trip: Get a 25% discount when you use the promo code ANNUAL25. Valid till 31 Dec 2023. T&Cs apply.

Allied World  Travel Insurance

Allied-World-Insurance-2

 

 

 from S$45 (for one week in Asean)
Yes

Enjoy a 52% discount for Single Trip and 25% discount for Annual Trip when you apply now! Valid for 12 Dec 2023 ONLY. T&Cs apply.

 

Enjoy 1x chance (Single Trip) or 3x chances (Annual Trip) to enter our weekly lucky draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. Promotion ends on 31 December 2023. T&Cs apply

AIG Travel Guard® Direct 

aig-logo

 

from S$30 (for 1 week in Asean)
Yes

Single Trip:  Enjoy 20% off with promo code SS20OFF. Valid till 12 Dec 2023. Additionally get $20 PayNow! (minimum premium of $80). Plus, every 12th customer gets an additional $45 Paynow. Valid till 31 Dec.

 

Annual Trip: Apply promo code SSTGD to receive $200 PayNow! Plus, every 12th customer gets an additional $45 Paynow. Valid till 31 Dec 2023.  

 

Additionally, enjoy 1x chance (Single Trip) or 3x chances (Annual Trip) to enter our weekly lucky draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. Promotion ends on 31 December 2023. T&Cs apply.

Great Eastern Travel Insurance

Great-Eastern-1

 

 from S$52 (for one week in Asean)
Yes

Single Trip: Get an 30% discount when you use the promo code TSP30S. Valid till 31 Dec 2023. T&Cs apply.

 

Annual Trip: Get an 10% discount when you use the promo code TSP10A. Valid till 31 Dec 2023. T&Cs apply.

Discount is only valid for Elite and Classic plans.

 

Enjoy 1x chance (Single Trip) or 3x chances (Annual Trip) to enter our weekly lucky draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. T&Cs apply. Promotion ends on 31 December 2023. T&Cs apply.

Seedly Travel Insurance

seedly TI logo

 

from S$49.80 (for 1 week in Asean)
No

Receive 25% off and 1x Airalo eSIM worth up to 3GB data when you apply NOW! Valid till 31 December 2023.  T&Cs apply.

Win the equivalent of a return flight for 2 to Bali (via S$600 Klook voucher). T&Cs apply.

Enjoy 1x chance to enter our weekly lucky draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. T&Cs apply. Promotion ends on 31 December 2023. T&Cs apply.



#5: Get free access to airport lounges

DBS Altitude Visa Signature cardholders get a complimentary pair of Priority Pass membership with access to over 1,300 airport lounges worldwide every year. Whether you want to sit down, stretch out, sip drinks, grab some pre-flight bites or use your time productively with charging points and free Wi-Fi, complimentary airport lounge access is a plus when choosing a credit card.

Check out these other credit cards that offer complimentary airport lounge access to relax while waiting for your flight departures.

See also: Cheap & Free Ways to Access Changi Airport Lounges


What charges or fees should you look out for?

  • Annual fee: (First year waived)
    • Principal card: S$194.40  
    • Supplementary card: S$97.20 
  • Late payment charge: $100
  • Minimum monthly payment: 3% of current balance or $50, whichever is higher, plus any overdue amounts
  • Overlimit fee: $40 if the total outstanding card balance exceeds the total credit limit at any time
  • Interest rate on purchases: 27.8% p.a. on the transaction amount (subject to compounding), chargeable on a daily basis from the date of transaction until receipt of full payment. Minimum charge of $2.50.
  • Interest rate on cash advance: 28.5% p.a. on the amount withdrawn from the date of the cash advance, chargeable on a daily basis from the date of withdrawal until the date the outstanding is paid in full (subject to compounding). Minimum charge of $2.50.
  • Cash advance fee: 8% of withdrawal amount or S$15, whichever is higher
  • Foreign transaction fee: 3.25% for Visa/Mastercard, 3% for American Express*
  • Dynamic currency conversion fee: 1%

*See more here

DBS/POSB Credit Card Welcome Gift: Receive S$250 cashback or up to 60,000 miles when you apply for select DBS credit cards and fulfil the relevant promotion criteria. T&Cs apply.

⭐ Alternatively, as of 18 September 2023, DBS/POSB is currently running a promotion on their own site to reward 40,000 welcome miles to all new cardholders who spend a minimum of S$2,000 within 30 days of card approval. T&Cs apply.

Eligibility criteria

  • At least 21 years of age
  • Minimum income requirement for Singaporeans and PRs: $30,000 per year
  • Minimum income requirement for Foreigners: $45,000 per year*

*No fixed deposit collateral option available


How to apply? 

DBS-Altitude-Visa_LF-2019-2026-1024x686-1 dbs-altitude-v1-300x189

Click on the ‘Apply Now’ button on this page and complete the application form on SingSaver site. You might need to prepare the following documents for the application process:

  1. Click on any of the 'Apply Now' buttons found in this article
  2. Fill up the card application form on our SingSaver site
  3. Prepare the following documents during application: 
    • Front and back of NRIC/Passport/Employment Pass
    • Salaried employees
      1. For less than 3 months: Latest original computerised payslip or company letter certifying employment and salary
      2. For more than 3 months: Latest 3 month's original computerised payslip (otherwise 1 month's) or latest 3 months' salary crediting bank statements, or latest 12 months' CPF statements (otherwise 3 months')
    • Self-employed / Commission-earners: Latest 2 years' Income Tax Notice of Assessment

Should you get the DBS Altitude Credit Card?

DBS or POSB "loyalists" who are looking to break into the miles game and get spoiled by lounge accesses during travels. Indeed, they're a great miles credit card for beginners or young working adults who prefer earning fuss-free miles on the go.

Other similar miles cards we recommend are the Citi PremierMiles Card, HSBC TravelOne Card, OCBC 90°N Card, and Standard Chartered Journey Card. While all these cards offer bonus miles on local and overseas spend, only a select few allow cardholders to earn miles on dedicated travel spend (e.g. on Agoda, Expedia, Kaligo, Booking.com etc.) Out of these, only Citi PremierMiles and OCBC 90°N earn you extra miles on such travel bookings. 

Citi-Premier-300x199-Apr-15-2022-07-10-14-13-AM

Citi PremierMiles Card product summary

Local spend 1.2 mpd
Foreign spend 2 mpd
Bonus travel spend Up to 10 mpd on eligible Kaligo bookings
Up to 7 mpd on eligible Agoda bookings
Airport lounge access 2 visits per year
Travel insurance Up to S$1 million complimentary coverage
Citi Miles never expire

HSBC TravelOne

HSBC TravelOne Card product summary

Local spend 1.2 mpd
Foreign spend 2.4 mpd
Airport lounge access 4 visits per year
Travel insurance Up to US$100,000 complimentary coverage
5 free supplementary cards
No conversion fee for air miles or hotel points until 31 Dec 2023

OCBC 90°N Card product summary

Local spend 1.3 mpd
Foreign spend 2.1 mpd
Bonus travel spend Up to 7 mpd on Agoda accommodations booked in foreign currency
Up to 6 mpd on Agoda accommodations booked in local currency
Airport lounge access US$32 per person per visit
90°N Miles never expire

SC_Card_OM_Journey_20220816-AssetA-RGB-2500px_HENRY YEO

SCB Journey Card product summary

Local spend 1.2 mpd
Foreign spend 2 mpd
Bonus spend

3 mpd on selected online categories:

  • Transport
  • Grocery
  • Food delivery

Capped at S$1,000 spend per month

Airport lounge access 2 visits per year
Travel insurance Up to S$500,000 complimentary coverage
360° Rewards Points never expire

 

Read these next: 
Loyal DBS/POSB Customers: Which Credit Card Should You Add To Your Wallet?
DBS/POSB Credit Card Promotions and Deals
Top 6 Air Miles Credit Cards In Singapore
DBS Altitude vs Citi PremierMiles vs OCBC 90°N: Card Comparison
3 Ways DBS Altitude Is Still Your Go-To Miles Credit Card
Credit Cards With Free Access to Airport Lounges

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