Best DCS Card Centre Credit Cards in Singapore (2024)

Formerly known as Diners Club Singapore, you’ll need these DCS Card Centre credit cards to score the best deals, privileges, and rebates in Singapore.

• Best for Cash Rebate: DCS CASHBACK Credit Card
• Best for Unlimited Cashback: DCS Ultimate Platinum Card
• Best for Groceries: DCS Sheng Siong Credit Card
• Best for Petrol: DCS VICOM Credit Card
• Best for Insurance and Airport Lounges: Diners Club International Credit Card | Diners Club International Charge Card
• Best for Merchant Rewards: DCS DON DON DONKI Credit Card | DCS Mustafa Credit Card | DCS POPULAR Credit Card 
• Best for Young Adults: Diners Club International Ace Credit Card

Consider yourself a certified™ cashback, rewards, and bargain hunter?

You might have existing credit cards from popular banks and think they’re enough; but do they really tick all the boxes for your expenditure? Unless you have a DCS Card Centre (previously known as Diners Club Singapore) credit card in your arsenal, you might want to think again.

In this article, we’ll examine the different DCS Card Centre credit cards available on the market, their pros and cons, as well as whether or not they’re all they claim to be and more. From cashback to travel perks to dedicated rewards, these are the best DCS Card Centre credit cards to check out in Singapore 2024.

Table of contents

• What is DCS Card Centre?
  
• Overview: DCS Card Centre Credit Cards in Singapore
• Best credit cards for cash rebate
• Best credit card for groceries
• Best credit card for petrol
• Best credit card for insurance and travel perks
• Best credit card for dedicated rewards
• Best credit card for young adults
• DCS Card Centre cardmember benefits & privileges
• Frequently asked questions (FAQs)
• Conclusion: Are DCS credit cards worth it?

What is DCS Card Centre?

Previously known as Diner's Club Singapore, this card issuer has rebranded itself as a fintech provider under the new alias, DCS Card Centre. 

It once began as an exclusive franchisee of United States payment services company Diners Club International and of course, issued out Diners Club cards. It was heralded as "one of the pioneers in cashless payments in Singapore" when it unveiled the first charge card in 1973, explained CEO Karen Low.

At one point, there were over 28,000 Diners Club cardmembers, but their market presence was quickly eroded and overtaken by other emerging players like Visa, offering more attractive rewards and promotions.

It's said to be piloting a novel crypto payment token called DUS, where 1 DUS is equivalent to 1 USD at the time of writing. Other cryptocurrencies can also be converted into DUS through third-party exchanges.

Besides American Express, DCS Card Centre is currently one of the only two non-banks licensed by the Monetary Authority of Singapore (MAS) to issue credit and charge cards.

Overview: DCS Card Centre Credit Cards in Singapore 2024

Credit Card	Rebate earn rate	Criteria
DCS CASHBACK Credit Card Apply Now	5% cash rebate on eligible spend with regular card 2% cash rebate on eligible spend with S$500 Limit card   1x complimentary airport lounge access per year   Up to S$1 million complimentary travel insurance coverage	Regular card Min. S$400 monthly spend   Rebate capped at S$50 per calendar month   1st-year fee waiver S$500 limit card Min. S$150 monthly spend   Rebate capped at S$10 per calendar month   1st-year fee waiver Card T&Cs
DCS Ultimate Platinum Card   DCS Ultimate Platinum UnionPay Card Apply Now	Up to 2% unlimited cashback on all spend   Enjoy offers and discounts from Mastercard Priceless Specials    Up to S$1 million complimentary travel insurance coverage Up to 2% unlimited cashback on all spend   Numberless Ultimate Platinum Card for identity protection   Up to S$1 million complimentary travel insurance coverage	No min. spend   Cashback capped at S$200 per calendar month Card T&Cs
DCS Sheng Siong Credit Card Apply Now	Up to 5% Rebate$ at Sheng Siong with regular card Up to 2% Rebate$ at Sheng Siong with S$500 Limit card   1x complimentary airport lounge access per year   Up to S$1 million complimentary travel insurance coverage	1 Rebate$ = S$1 where Rebate$ is calculated on gross total amount before GST Regular card S$1,000 monthly spend cap (per card account) 1st-year fee waiver S$500 Limit card S$500 monthly spend cap (per card account) 1st-year fee waiver
DCS VICOM Credit Card	Up to 23.2% fuel savings at Esso stations 26 VICOM$ rebate per year Free 24-hour roadside recovery for passenger cars and vans 0% interest instalment payment for road tax (3, 6 months)	1st-year fee waiver
Diners Club International Credit Card Diners Club International Charge Card	Up to 5X Club Rewards on dining, hotel, and overseas transactions   Up to S$1 million complimentary personal accident insurance Up to S$35,000 (International Charge Card) or S$250,000 (International Credit Card) on-flight personal accident insurance & travel inconvenience reimbursement Earn Club Rewards Points to redeem free gifts, vouchers, and air miles Complimentary access to 1,300 airport lounges in 140 countries worldwide	Min. S$400 spend per month   Club Rewards Points have no expiry   Conversion rate: 1 Point = S$1   1st-year fee waiver
DCS DON DON DONKI Credit Card Apply Now	5% rebate at DON DON DONKI with regular card   2% rebate at DON DON DONKI with S$500 Limit card	Discount applies to prices before GST Welcome benefit: Complimentary S$10 respective merchant vouchers for all card approvals   1st-year fee waiver
DCS Mustafa Credit Card	5X Mustafa Rewards Points per S$1 spend (including instalment plans)   0% instalment plans of up to 36 months   Welcome benefit: Get 8,000 Mustafa Bonus Points within first 30 days of using card	Min. redemption block of 1,000 Mustafa Points   Mustafa Points are only valid for 180 days   Conversion rate: 10,000 Mustafa Points = S$12   1st-year fee waiver
DCS POPULAR Credit Card	Up to 5% Rebate$ (no min. spend) with regular card   2% Rebate$ with S$500 Limit card   Welcome benefit: Sign up or renew a 3-year Popular Membership Card for only S$10 upon credit card approval	Regular card S$1,000 monthly spend cap (per card account)   S$500 Limit card S$500 monthly spend cap (per card account)   1st-year fee waiver
Diners Club International Ace Credit Card	S$100 to S$300 cash advance on 12-month repayment period   Up to S$1 million complimentary personal accident insurance   Up to S$250,000 complimentary on-flight personal accident insurance and travel incovenience reimbursement   Earn Club Rewards Points to redeem free gifts, vouchers, and air miles   Complimentary access to 1,300 airport lounges in 140 countries worldwide	Conversion rate: 1 Point = S$1   Valid for students and NSFs from 18 years old onwards   1st-year fee waiver

Best for cash rebate: DCS CASHBACK Credit Card, DCS Ultimate Platinum Card

If you love offsetting your bills with cash rebate, you’d want to check out these two cashback credit cards.

DCS CASHBACK Credit Card

DCS CASHBACK Credit Card offers a 5% cash rebate (capped at S$50) on minimum S$400 spend per month. This is a respectable rate as far as cashback credit cards go – comparable to cards like DBS Live Fresh. 

Moreover, S$400 monthly spend is a relatively low minimum amount where the typical spend requirement ranges between S$600 to S$800 for mid-tier cashback cards (POSB Everyday Card, Citi Cash Back Card), and S$1,000 to S$2,000 for upper-tier cashback cards (e.g. UOB One Card).

And what sets apart DCS cards from other banks’ credit cards is their S$500 Limit Card option. It reflects similar features as its regular card counterpart, but for a lower minimum spend cap of S$500. In DCS CASHBACK card’s case, although their S$500 Limit Card offers only 2% cash rebate (capped at S$10), the minimum spend is lower at only S$150 per month.

So it seems that the DCS CASHBACK Credit Card is suitable for those with a tighter budget, prefer to keep monthly expenses low, or are beginners to the credit card scene.

Read more:
Best Credit Cards For S$600 Monthly Spend
8 Ways to Earn More Cashback on Credit Cards, Shopping Apps, and More

DCS Ultimate Platinum Cards

Want a reliable, no-frills cashback card that you can swipe away at all your purchases? Then the DCS Ultimate Platinum Card is a good candidate.

Offering up to 2% unlimited cashback with no minimum spend* and no cashback cap on all spend, this credit card follows a blacklist merchant exclusion format. This means that all your expenditure is qualified for cashback unless they fall under a merchant exclusion category like hospitals (MCC 8062) and tax payments (MCC 9311).

You can find the full list of merchant exclusions here.

But this begs the question: If you already own a standard cashback card, why would you need an unlimited cashback card with a substantially lower cashback rate? For those familiar with unlimited cashback credit cards, you’d know how useful they actually are for purchasing big-ticket items and relatively fuss-free spending.

💡 Pro-tip: Some unlimited cashback cards like UOB Absolute Cashback and AMEX True Cashback reward you with cashback on insurance premiums, school fees, healthcare and utility bills, and more! 

Read more:
6 Reasons Why Your First Credit Card Should Be an Unlimited Cashback Card
Credit Card Comparison: UOB Absolute vs Citi Cash Back+ vs SCB Unlimited

Best for groceries: DCS Sheng Siong Credit Card

Calling all Sheng Siong lovers! If you thought the POSB Everyday Card was good, you might want to add the DCS Sheng Siong Credit Card to your roster as an alternative.

Again, it’s available in both the regular card and S$500 Limit card options. 

For the regular Sheng Siong Card, you can expect to earn a 5% Rebate$ on your bill of up to S$1,000 spend per month per card account. Meanwhile, on the Sheng Siong S$500 Limit Card, you’ll earn a 2% Rebate$ on your bill of up to S$500 spend per month per card account.

The total Rebate$ you could possibly earn per card account is 5% of S$1,000 for the regular card and 2% for the S$500 Limit card. Thus, the maximum Rebate$ earned per month is capped at S$50 and S$10 respectively.

Knowing that POSB Everyday Card imposes a Daily$30 cap on Sheng Siong groceries, a savvy shopper would switch – or at least, alternate between – the two cards depending on which card’s limit you bust first.

Best for petrol: DCS VICOM Credit Card

We all know that driving in Singapore is getting more expensive these days: COE prices are at an all-time high, costs of car maintenance aren’t the cheapest, and fuel shortages continually cause petrol prices to skyrocket.

Thus as a driver, you’d want to get your hands on any sort of credit card rebate. Whatever can help with shaving some fuel costs, car maintenance servicing, and easing road tax repayments definitely goes a long mile.

With the DCS VICOM Credit Card, you’ll receive 26 VICOM$ rebates annually for VICOM services, complimentary 24-hour roadside recovery services, up to 23.2% savings on fuel at Esso petrol kiosks, 0% interest on road tax instalment payments, and more.

💡 Pro-tip: The DBS Esso Card is another Esso-exclusive petrol credit card offering up to 21.2% fuel savings. You can read more about it in this article.

Best for insurance & travel perks: Diners Club International Credit Card, Diners Club International Charge Card

In our opinion, the Diners Club International Credit Card and Diners Club International Charge Card function more as default rewards credit cards than anything. If you notice their list of Diners Club Privileges, this host of benefits is actually applicable for all other DCS credit cards too.

So no matter which DCS credit card you sign up for, chances are, you’ll be entitled to these same perks regardless. Thus, we only recommend the International Credit Card and International Charge Card if you’re looking for: 

• Extra personal accident and trip inconvenience insurance coverage on your holidays, or
• Want to become an honorary Diner’s Club member

Otherwise, you’re better off applying for the other DCS credit cards that offer their own unique rebates like cashback or miles on top of these existing Diner Club Privileges.

Best DCS rewards credit cards for dedicated merchants

There used to be seven DCS rewards credit cards catering to different merchants, but this number has since dwindled to only three: DON DON DONKI, Mustafa Centre, POPULAR.

1. DCS DON DON DONKI Credit Card

Number one on our list is the DCS DON DON DONKI card. This is fairly self-explanatory because it seems like the whole of Singapore adores shopping at this wildly-successful Japanese supermarket chain.

For the regular DON DON DONKI Card, you can expect to earn 5% Rebate$ on your bill of up to S$1,000 spend per month per card account. Meanwhile, on the DON DON DONKI S$500 Limit Card, you’ll earn 2% Rebate$ on your bill of up to S$500 spend per month per card account.

The total Rebate$ you could possibly earn per card account is 5% of S$1,000 for the regular card and 2% for the S$500 Limit card. Thus, the maximum Rebate$ earned per month is capped at S$50 and S$10 respectively.

All in all, this rewards card is particularly useful for those who live near or prefer to do their grocery shopping at a DON DON DONKI outlet. Plus, this card is the cutest out of all the DCS credit cards, so it gets extra bonus points.

2. DCS Mustafa Credit Card

This is another rewards card that needs no introduction. Fans of good bargain hunting would know that Mustafa Centre is one of the best shopping centres to score ridiculously cheap deals in Singapore.

Personally, I’ve bought a bottle of Buffered Saline Solution for only S$2.40 – I know, I was in disbelief too.

That aside, the DCS Mustafa Credit Card rewards you with 5 Mustafa Points per S$1 spend in-stores, inclusive of instalment plans. When you do the conversion, every 10,000 Mustafa Points earned can be redeemed for S$12 to offset your next bill.

But not only that, you can earn an easy bonus of 8,000 Mustafa Points upon simply using the card within 30 days of its issuance. Just top up your spending by about S$400, and that’s your next 2,000 Mustafa Points collected, bringing you up to a total of 10,000 Mustafa Points.

💡 Pro-tip: The DCS Mustafa Credit Card is a decent replacement for the OCBC Titanium Rewards Card because the latter no longer rewards bonus 10 OCBC$ for grocery purchases (MCC 5411) from Mustafa.

3. DCS POPULAR Credit Card

Lastly, we’ve got the DCS POPULAR Credit Card – the rewards card that every parent with a primary school kid (and above) should take advantage of. 

By now, you know the drill of how the 5% and 2% Rebate$ rates work respectively. But just to reiterate…

For the regular POPULAR Card, you can expect to earn 5% Rebate$ on your bill of up to S$1,000 spend per month per card account. Meanwhile on the POPULAR S$500 Limit Card, you’ll earn 2% Rebate$ on your bill of up to S$500 spend per month per card account.

The total Rebate$ you could possibly earn per card account is 5% of S$1,000 for the regular card and 2% for the S$500 Limit card. Thus, the maximum Rebate$ earned per month is capped at S$50 and S$10 respectively.

Source: DCS

💡 Promotion: Sign up or renew a 3-year Popular Membership Card for only S$10 upon credit card approval.

Read More:
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What’s the Difference Between Tuition Fee Loan and Study Loan?

Best for young adults: Diners Club International Ace Credit Card

If you’ve made it this far into the article, first of all, congrats, we appreciate you. 🥂

Secondly, this Diners Club International Ace Credit Card is our recommendation for students and young adults applying for their first credit card. Why?

By default, this credit card only comes in the S$500 Limit Card variation which is perfect for those with a smaller monthly expenditure or self-imposing a spending limit. 

Moreover, it allows cardholders to withdraw S$100 to S$300 on cash advance for 12-month instalment plans. This feature might prove helpful for students wishing to take out a student loan – although in general, we don’t necessarily recommend using your credit card for cash advance unless necessary.

Nevertheless, this card offers the same slew of Diners Club Privileges as all the aforementioned cards in personal accident insurance coverage, travel inconvenience coverage, and rewards points and redemptions.

Read more:
Best Personal Loans to Ease Cashflow in Singapore
Short-Term Loans in Singapore

DCS Card Centre credit card (“Diners Club”) benefits and privileges

Now that we’ve spoken about all the available DCS credit cards, what benefits and privileges do they offer to cardholders?

1. Diners Club Privileges

As showcased multiple times in this article, the Diners Club Privileges consist of four main perks:

• Up to S$1 million insurance coverage for personal accidents 
• Up to S$250,000* on-flight personal accident coverage and travel inconvenience reimbursement
• Access to 1,300 airport lounges in over 140 countries worldwide 
• Earn Club Rewards Points to redeem privileges (e.g. shopping/dining vouchers) and air miles (S$1 = 1 point)

*Amount subject to change

Upon signing up for a DCS credit card, you’re automatically eligible for their complimentary Lifestyle Advantage Plan. Within this plan, cardholders will be covered for accidental death & permanent disability, flight delays, baggage delays, journey cancellation, loss of travel documents, and more. 

While these coverage aspects are decent, you’re still missing key coverages like medical benefits. Therefore, the Diners Club Privileges are only good as supplementary insurance coverage if your existing plan’s coverage is insufficient.

Other than travel insurance, gaining access to nearly 1,300 airport lounges worldwide is definitely a sweet perk. Although basic cardholders should note, that this complimentary access is limited to only once per year.

If you’re curious to know what other credit cards offer travel insurance and airport lounge access, read these articles:

Credit Card Travel Insurance vs Travel Insurance
7 Credit Cards Which Gives Free Access to Airport Lounges
What You Need to Know About Credit Cards With Free Airport Lounge Access
7 Best Credit Cards For Booking Flights and Hotels
Should You Sign Up For Priority Pass Membership

Other card benefits

Withdraw cash from any ATM

One surprisingly useful benefit that DCS credit cards offer is the ability to withdraw cash from any ATM bearing the Diners Club logo and/or other logos of participating ATM network providers in Singapore. This includes ATMs from Citibank and DBS/POSB and nearly 1.2 million DCI Global ATMs.

What’s more, you’ll earn 1 Club Rewards Point for every S$1 withdrawn.

However, do note that a withdrawal fee of 6% or S$20 (whichever is higher) will be imposed because you’re utilising your DCS credit card’s cash advance feature. Rejected ATM cash withdrawals due to PIN failure or credit issues will also be subjected to a fee of S$2.50.

50% off Birthday Club Rewards Redemption

Nothing beats a birthday surprise like treating yourself to 50% off Club Rewards redemptions. Simply spend a minimum of S$100 during your birthday month and redeem Diners Club Rewards Premium at half off the original points needed!

You can click here to see more.

Over-the-counter cash advance

Find yourself in a bit of a bind in need of extra cash quick? DCS cardholders have the option of withdrawing an emergency cash advance of up to US$1,000 every 7 days at designated counters worldwide. 

This cash advance service is available at Diners Club offices, selected Citibank branches, participating banks and hotels like Inter-Continental and Hilton International.

FAQs about DCS credit cards

What is a DCS credit card?

A DCS credit card is any of the aforementioned credit cards featured in our article. One of the unique selling points of DCS credit cards is the merchant-exclusive card partnerships offered with DON DON DONKI, Mustafa Centre, and POPULAR.

What are the T&Cs regarding Rebate$ points?

Source: DCS

Do I have to enrol for ATM Cash Withdrawal Programme? Can I opt out of it?

No, every DCS cardmember is automatically enrolled on the programme. But you do have the option to opt out by contacting DCS through email or phone.

What happens if the ATM machine does not dispense any cash or the input amount I wanted?

Seek assistance from the relevant ATM’s bank or call the ATM’s Help Number listed on the side if it’s after banking hours or you’re at a standalone ATM. Be sure to take note of the amount dispensed (or lack thereof) and keep the receipt to formerly raise a dispute with the ATM’s bank.

What exchange rate is used?

Withdrawing cash at an overseas ATM will be treated as a normal overseas transaction. Foreign currency (FCY) fees will apply along with a conversion commission of 3%.

You can refer to our ultimate credit card guide’s FAQ for more elaboration.

For more terms and conditions specific to DCS Credit Cards, DCS Charge Cards, and DCS S$500 Limit Cards respectively, please refer to their overview page here.

What is the miles conversion rate for Rebate$ Points?

The points-to-miles conversion rate for DCS is 4,500 Points = 1,000 KrisFlyer Miles.

That means, 1 KrisFlyer Mile is equivalent to roughly 4.5 Points from DCS cards.

How to activate DCS cards?

You can activate your DCS card from the convenience of your DCS app. Simply follow these steps:

1. Tap on "To activate" for the preferred DCS card.

2. Tap on "Activate Virtual Card" to enable online and in-app transactions / Tap on "Activate Physical Card" to enable physical card payments

Virtual card activation: In-app and online transactions

Physical card activation: Payments in real life

3. Enter the one-time password (OTP) sent to your registered mobile number via SMS. Once successfully activated, the "To Activate" option should disappear.

Note: Virtual card has to be activated in order to retrieve card number, card expiry date, and CVV code for all online transactions, except for DCS Ultimate Platinum UnionPay Card, DCS D-Lite Mastercard, and DCS D-Lite UnionPay Card.

Conclusion: Are DCS Credit Cards worth it?

The strengths of DCS credit cards lie in their card option variety, complimentary insurance plan, S$500 Card Limit variant and a few others. But in totality, its credit cards don’t exactly offer the highest rebates in the market.

In fact, they don’t even offer a proper miles credit card, only miles redemption in the form of Rebate$ conversion and some travel insurance coverage.

The only noteworthy DCS credit card to consider would be their cashback cards – DCS CASHBACK Credit Card and/or DCS Ultimate Platinum Card. 

The former offers up to 5% cash rebate for only S$400 minimum monthly spend, a notably lower spend requirement than most credit cards. Meanwhile, the latter offers the highest unlimited cashback rate of 2%, without any minimum spend or cashback cap.