Best DCS Credit Cards in Singapore 2026
Updated: 8 Jan 2026
Card | Hot Reward Pick | SingSaver Reward | Card Benefits | Min. Annual Income | Annual Fee | ||
|---|---|---|---|---|---|---|---|
 | DCS Flex Visa Platinum Card | - | - | 0.3 - 8 % | S$30,000 | S$130.8 | |
 | DCS Ultimate Platinum UnionPay Card | - | - | 2 % | S$30,000 | S$196.20 | |
 | DCS Ultimate Platinum Mastercard | - | - | 2 % | S$30,000 | S$196.20 | |
 | DCS CASHBACK Card | - | - | 5 % | S$30,000 | S$196.20 | |
 | DCS DON DON DONKI Card | - | - | 5 % | S$30,000 | S$196.20 |
- Switch your preferred rewards flexibly between cashback, air miles, investment credits or carbon credits
- Up to 8% cashback / investment credits / carbon credits or 2.4 mpd from foreign currency spend
- Up to 6% cashback / investment credits / carbon credits or 1.8 mpd from online shopping and contactless transactions
- Complimentary insurance coverage of up to S$1 million for Regular Credit Cardmembers.
- Shopping Rebate
- Dining Rebate
- Online Rebate
- Overseas Rebate
- S$600 minimum monthly spend.
- Monthly service fee applies (waived for first 12 months).
- Monthly Spend Required
- Get up to 2% cashback on all purchases with no minimum spend.
- Free Insurance Coverage of up to S$1,000,000.
- Online shopping rebate
- Travel insurance
- No monthly spend required
- Cashback is awarded up to a monthly spend of S$10,000 (capped at S$200 cashback per calendar month).
- Rebate cap applied
- Get up to 2% cashback on all purchases with no minimum spend.
- Free Insurance Coverage of up to S$1,000,000.
- Online shopping rebate
- Travel insurance
- No monthly spend required
- Cashback is awarded up to a monthly spend of S$10,000 (capped at S$200 cashback per calendar month).
- Rebate cap applied
- Get up to 5% cash rebate on all eligible spending.
- Receive complimentary personal accident insurance coverage for regular credit cardmembers of up to S$1 million.
- Complimentary access to more than 1,000 airport lounges worldwide.
- Basic cardholder enjoys one complimentary lounge access per year.
- Travel insurance
- Airport lounge
- Requires minimum spend of S$400 to be eligible for cash rebate.
- S$50 cashback cap per month.
- Monthly spend required
- Rebate cap applied
DCS DON DON DONKI Card
- Up to 5% Rebate at DON DON DONKI with regular card.
- Up to 2% Rebate at DON DON DONKI with S$500 Limit card.
- Earn 1 Club Rewards Points when you spend outside DON DON DONKI. No expiry to your Club Rewards Points,
- One complimentary lounge access per calendar year.
- Complimentary insurance coverage of up to S$1 million for Regular Credit Cardmembers.
- Supermarket rebate
- Travel insurance
- Installment
- No expiry air miles
- Rebates$ will expire after 60 days and will be forfeited if expired.
DCS Flex Visa Platinum Card
Key features
-
Cashback up to 8% on everyday spending including dining, groceries, petrol, and online shopping
-
Flexible payment options including credit and charge card features
-
Travel and dining rewards program with redeemable points
-
Exclusive merchant discounts and promotions
-
Flexible credit lines and repayment plans
-
Complimentary travel insurance and personal accident coverage
Annual interest rates & fees
-
Annual principal fee: S$130.80
-
Supplementary card monthly service fee: $5
-
Fee waiver: Waived for the first year
-
Annual interest rate: 27.8% p.a.
-
Late payment fees: S$100
-
Minimum monthly repayment: 5% of outstanding balance or S$50 (whichever is higher)
Minimum income requirements
-
Monthly spend required: S$600
-
Minimum annual income: S$30,000
-
Minimum age: 21 years old
Limitations
-
Cashback caps and rebate thresholds may apply
-
Some benefits limited to specific merchant categories
-
Requires meeting payment and usage criteria for fee waivers
DCS Ultimate Platinum UnionPay Card
Key features
-
Flat 2% cashback on all spend, no minimum spend required
-
Access to extensive airport lounges globally
-
Travel and dining rewards points program
-
Exclusive promotional discounts at partner merchants
-
Secure and flexible payment options
-
Complimentary travel insurance coverage
Annual interest rates & fees
-
Annual principal fee: S$180
-
Supplementary card annual fee: S$90
-
Fee waiver: Waived for the first year
-
Annual interest rate: 27.8% p.a.
-
Late payment fees: S$100
-
Minimum monthly repayment: 5% of outstanding balance or S$50 (whichever is higher)
Minimum income requirements
-
Minimum annual income: S$30,000
-
Minimum age: 21 years old
Limitations
-
Monthly cashback cap applies (typically around S$200)
-
Premium benefits subject to spending limits
-
Charge and credit card combo requires income eligibility
DCS Ultimate Platinum Mastercard
Key features
-
2% cashback on all eligible purchases with no minimum spend
-
Access to airport lounges worldwide
-
Mastercard Priceless Specials including dining and hotel offers
-
Complimentary travel insurance
-
Flexible payment plans and bill installment options
Annual interest rates & fees
-
Annual principal fee: S$180
-
Supplementary annual fee: S$90
-
Fee waiver: Waived for the first year
-
Annual interest rate: 27.8% p.a.
-
Late payment fees: S$100
-
Minimum monthly repayment: 5% of outstanding balance or S$50 (whichever is higher)
Minimum income requirements
-
Minimum annual income: S$30,000
-
Minimum age: 21 years old
Limitations
-
Cashback capped at a certain amount monthly (e.g., S$200)
-
Spending requirements for fee waivers and benefits
-
Certain rewards limited to specific categories or purchases
DCS CASHBACK Card
Key features
-
Up to 5% cashback on everyday spend categories with minimum monthly spends
-
Access to over 1500 airport lounges worldwide
-
Club Rewards points on spend, redeemable for vouchers and travel
-
Dedicated cashback categories including transport, dining, and retail
-
Flexible repayments and credit line management
Annual interest rates & fees
-
Annual principal fee: S$180
-
Supplementary annual fee: S$80
-
Fee waiver: Waived for the first year
-
Annual interest rate: 27.8% p.a.
-
Late payment fees: S$100
-
Minimum monthly repayment: 5% of outstanding balance or S$50 (whichever is higher)
Minimum income requirements
-
Minimum annual income: S$30,000
-
Minimum age: 21 years old
Limitations
-
Minimum monthly spend (e.g., S$400) required to qualify for max cashback
-
Caps on monthly cashback and rewards apply
-
Benefits may have merchant or category restrictions
DCS Sheng Siong Card
Key features
-
Up to 5% cashback at Sheng Siong outlets with no minimum spend
-
Additional rebate on spending outside Sheng Siong stores
-
Access to airport lounges and travel-related perks
-
Flexible credit and repayment options
-
No expiry on earned reward points
Annual interest rates & fees
-
Annual principal fee: S$180
-
Supplementary annual fee: S$80
-
Fee waiver: Waived for the first year
-
Annual interest rate: 27.8% p.a.
-
Late payment fees: S$100
-
Minimum monthly repayment: 5% of outstanding balance or S$50 (whichever is higher)
Minimum income requirements
-
Minimum annual income: S$30,000
-
Minimum age: 21 years old
Limitations
-
Cashback capped monthly
-
Benefits limited to Sheng Siong and partner merchants
-
Requires annual spend to maintain fee waiver
DCS DON DON DONKI Card
Key features
-
5% cashback at Don Don Donki stores with no minimum spend
-
Welcome voucher upon card approval
-
Access to airport lounges and exclusive member promotions
-
Travel insurance and flexible payment options
-
Club Rewards points accumulation
Annual interest rates & fees
-
Annual principal fee: S$180
-
Supplementary annual fee: S$80
-
Fee waiver: Waived for the first year
-
Annual interest rate: 27.8% p.a.
-
Late payment fees: S$100
-
Minimum monthly repayment: 5% of outstanding balance or S$50 (whichever is higher)
Minimum income requirements
-
Minimum annual income: S$30,000
-
Minimum age: 21 years old
Limitations
-
Cashback capped monthly
-
Benefits mainly focused on Don Don Donki outlets and selected partners
-
Spending thresholds may apply for fee waivers
Rewards
If you’re using a DCS credit card, you’ll be able to accumulate DCS rewards points from your purchases. If you’re using a DCS Corporate or Charge Card with specific exclusivities, you may not earn DCS points. Please check your card terms for eligibility details.
Earn rewards on purchases
The DCS card rewards system turns everyday purchases into opportunities for earning points, which can be redeemed for exciting travel, dining, and shopping rewards. This allows cardholders to directly benefit from their regular spending, transforming ordinary transactions into valuable perks.
Flexible credit options
DCS cards offer flexible credit options that adapt to your financial needs. Whether you’re planning a large purchase or managing monthly expenses, you can choose from a range of credit lines and repayment plans. This flexibility helps you maintain control over your finances and manage cash flow effectively.
Exclusive member discounts
As a DCS cardholder, you can access exclusive discounts and promotional offers at partner stores and services. This benefit allows you to save money on purchases ranging from dining and entertainment to shopping and travel, enhancing your buying power.
How to apply
-
Click "Apply Now" and authenticate with SingPass (MyInfo)
-
Submit income and ID documents
-
Spend S$500 within 30 days
-
Submit SingSaver rewards form
-
Enjoy your welcome gift!
Once your eligibility is confirmed by the bank, SingSaver will email you the reward redemption instructions within 8–10 weeks.
Frequently asked questions about DCS credit cards
A DCS credit card is issued by DCS Card Centre and offers cashback, rewards, travel perks, and flexible payment options tailored for Singaporeans and foreigners.
Fee waivers are typically granted when you meet minimum annual or monthly spending requirements, or during promotional periods. Check the terms and conditions for each card.
DCS offers various cards including Flex Visa Platinum, Ultimate Platinum Mastercard, Ultimate Platinum UnionPay, Cashback Card, Sheng Siong Card, and Don Don Donki Card.
Credit card application resources
Discover the ideal credit card for your needs and lifestyle with our comprehensive guides: