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

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

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

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

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

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

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.

1. Click "Apply Now" and authenticate with SingPass (MyInfo)

2. Submit income and ID documents

3. Spend S$500 within 30 days

4. Submit SingSaver rewards form

5. Enjoy your welcome gift!

Once your eligibility is confirmed by the bank, SingSaver will email you the reward redemption instructions within 8–10 weeks.

Discover the ideal credit card for your needs and lifestyle with our comprehensive guides:

• Best air miles credit cards

• Best travel credit cards

• Best rewards cards

• Best groceries credit cards

• Best dining credit cards

• Best cash back credit cards