DBS Live Fresh Card

DBS Live Fresh Card

Get the most out of your daily spends with the DBS Live Fresh Card, which lets you score up to 6% cashback on your shopping sprees and daily commutes.
Highlights
Benefits
Quick Facts
More Info
Guides
Eligibility
Fees
Others
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Highlights

Card benefit
 % cashback
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Annual Fee
S$ 196.2
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Monthly Spend Required
S$ 800
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Minimum Annual Income
S$ 30,000
Offer Available
Nintendo Switch OLED (worth S$549)
SingSaver Exclusive Offer
Nintendo Switch OLED (worth S$549)

+ 3 other gift options

  • SingSaver Exclusive Offer promotion runs until 1 May 2025.
  • Promotion is valid for new DBS / POSB credit cardmembers only.
  • Apply for selected DBS / POSB credit cards during the promo period with a corresponding promo code and make a min. spend of S$500 within 30 days from card approval date to be eligible for reward:
    • Use promo code SSMAR1 to receive a Nintendo Switch OLED (worth S$549)
    • Use promo code SSMAR2 to receive an Apple iPad 9th Gen WiFi 64GB (worth S$479)
    • Use promo code SSMAR3 to receive an Apple AirPods Pro Gen 2 with MagSafe Charging Case + MagSafe Charger (worth S$408)
    • Use promo code SSMAR4 to receive S$350 eCapitaVouchers
  • Promotion does not stack with other welcome offers from DBS / POSB.
  • Terms and Conditions apply

Things to consider

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Online Rebate

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Shopping

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Public transportation

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Rebate cap applied

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Monthly spend required

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Benefits

Cashback

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Cashback Base Rate
0.3  %
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Cashback Local
Up to 6  %
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flight
Cashback Overseas
Up to 6  %
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luggage
Cashback Travel
0.3  %
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restaurant
Cashback Dining
0.3  %
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shopping_cart
Cashback Supermarket
0.3  %
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Cashback Retail
Up to 6  %
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Cashback Local Online Shopping
Up to 6  %
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Cashback Overseas Online Shopping
Up to 6  %
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contactless
Cashback Contactless Spend
Up to 6  %
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commute
Cashback Transport
Up to 6  %
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Quick Facts

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Get up to 6% cashback on Shopping and Transport spend

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Get unlimited 0.3% cashback on all spend

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Earn an extra 3.25% cashback on In-store Overseas Spend at your favourite destinations in Asia from Japan, Malaysia, Thailand and more

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Enjoy first-year annual fee waiver

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Enjoy more fresh deals and exclusive perks

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Spending on the card and crediting your salary can earn you 0.05% p.a. or more on your DBS Multiplier account

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Min. monthly spending of S$800 required to earn up to 6% cashback on Shopping and Transport spend

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Cashback on Shopping spend capped at S$50 per calendar month

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Cashback on Transport spend capped at S$20 per calendar month

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Eligibility

Eligibility

Minimum Age
21  years old
Minimum Annual Income
S$ 30,000
Monthly Spend Required
S$ 800
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Fees / Repayment

Fees

Annual Fee Waiver
1 year
Annual Fee
S$ 196.2
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Foreign Currency Transaction Fee
3.25  %
Cash Advance Service Charge
S$ 15
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Repayment

Minimum Payment
3  %
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Late Payment Charge
S$ 100
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Interest on Purchase
27.8  %
Interest on Cash Advance
28.5  %
Interest Free Period
25  days
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Others

Association

VISA Platinum

Supported Payment Type

Google Pay

Apple Pay

Samsung Pay

NETSPay

Tags

DBS Live Fresh Card DBS Live Fresh Card

Read Singsaver’s full review of the DBS Live Fresh Card

Pros & cons

Pros

Cons
  • Up to 5.7% cashback on shopping and transport spend.
  • Up to 3.25% cashback on select overseas spend.
  • 0.3% unlimited cashback on all spend.
  • Your annual fee is waived for the first year.
  • Low cashback caps. (Transport spend is capped at $20 per month. Shopping and overseas spend is capped at $50 per month.)
  • You need to spend a minimum of $800 a month to unlock better cashback rates.
  • You cannot apply to have your annual fee waived from your second year.

Who is this card for

  • The DBS Live Fresh Card is a great pick for young professionals who love retail therapy and travel. They will be positioned to reap the benefits of 5.7% cashback on shopping spend and 3.25% on select overseas spend. The 5.7% cashback on transport spend will also help to cushion the blow of daily expenses.
  • Budget conscious users who are looking for a daily rewards card with minimal upfront costs will also appreciate the DBS Live Fresh Card for its first-year annual fee waiver. They will also love the cashback on shopping, transport and overseas spend.

Compare to other cards 

Like the DBS Live Fresh Card, the POSB Everyday Card and OCBC’s Frank Credit Card are both everyday rewards cards aimed at young adults. Let’s review the benefits across each card before delving into some key differences.

Want big rewards? Both OCBC’s Frank Credit Card and the POSB Everyday Card offer up to 10% cashback rewards on online transactions and food deliveries, respectively. Though this is significantly higher than the 5.7% cashback the DBS Live Fresh Card offers, it’s also restricted to a smaller pool of qualifying spend. 

Let’s say you want to shop local. If you’re a DBS Live Fresh Card member, you get 5.7% cashback for both online or in-person retail spend, if your monthly cap hasn’t been reached. But if you’re a Frank Credit Card member, you’ll only get cashback on local currency transactions, in the form of online purchases and contactless payments. For POSB Everyday Card shoppers, local shopping spend is restricted to popular online merchants like Lazada, Shopee and Amazon Singapore.

The key difference between the DBS Live Fresh Card and its competitors is its overseas spend rewards. The POSB Everyday Card rewards cardholders who spend in Malaysia with up to 10% cashback, capped at $20 per calendar month. OCBC’s Frank Credit Card offers up to 8% cashback for online and offline purchases made in foreign currency, capped at $25 per month. The DBS Live Fresh Card offers up to 3.25% on select overseas spend in 15 countries, capped at $50. This is markedly more generous, allowing you to earn bigger rewards.

DBS Live Fresh Card

Interest rate: 27.80 %

Annual fee: $196.20 (First year waiver available)

Minimum annual income:

  • $30,000 for Singaporeans and PRs
  • $45,000 for foreigners

Benefits:

  • 5.7% cashback on transport and shopping spend.
  • 3.25% cashback on overseas point-of-sales transactions in Brunei, Cambodia, China, Indonesia, Hong Kong, Japan, Laos, Malaysia, Mongolia, Myanmar, Philippines, South Korea, Taiwan, Thailand and Vietnam.
  • 0.3% unlimited cashback on all spending.
  • Get discounts on AirAsia, Korean Air and Qatar Airways flights and travel bookings with Trip.com, Expedia and more.

POSB Everyday Card

Interest rate: 27.80 %

Annual fee: $196.20 (First year waiver available)

Minimum annual income:

  • $30,000 for Singaporeans and PRs
  • $45,000 for foreigners

Benefits:

  • 10% cash rebates on online food deliveries
  • 5% cash rebates when dining out
  • 5% cash rebates when shopping online at Amazon.sg, Lazada, Shopee, Redmart, Taobao and TikTok Shop.
  • 10% cash rebates on offline MYR spend
  • 10% cash rebates on bus & train rides with SimplyGo
  • No minimum spend required for cashback on groceries, fuels and pet supplies

OCBC’s Frank Credit Card

Interest rate: 27.78 %

Annual fee: $196.20 (First year waiver available)

Minimum annual income:

  • $30,000 for Singaporeans and PRs
  • $45,000 for foreigners

Benefits:

  • 8% cashback on purchases made in foreign currency, both online and in stores.
  • 8% cashback on online purchases made in SGD and contact mobile transactions. (Includes Apple Pay, Samsung Pay, Google Pay and Garmin Pay in SGD.)
  • 0.3% cashback on all other spend.
  • 2% bonus cashback on green merchants. (Includes SimplyGo, BlueSG, Scoop Wholefoods and more.)

Credit card application

Step 1: Apply via our DBS Live Fresh Card page

Click on our card application link to begin.

Ensure your income data and identity available is up to date on SingPass MyInfo so you can streamline the process. You can expect your approval-in-principal page to appear within minutes of submitting your application.

Step 2: Make sure you have all your documents 

Collecting all your required documents can be a hassle. You can choose to skip the process by applying with SingPass. Otherwise, you’d need to provide your:

  • The front and back of your NRIC
  • Latest 3 computerised payslips or crediting bank statements
  • Latest Income Tax Notice of Assessment

Step 3: Say hello to your new card

Activate your new DBS Live Fresh Card via the DBS digibank mobile app. You'll need to enter a One-Time-Password after entering your 6-digit online banking PIN to secure your credit card transactions. Now you can use it for any and all purchases as well as and track your rewards, credit card rewards and transactions with digibank!

Credit card application resources 

Frequently asked questions about the DBS Live Fresh Card

Are there annual fees for the DBS Live Fresh Card?

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Yes, the annual fee for the DBS Live Fresh Card is $196.20. Supplementary cards are available at $98.10 per card. The annual fee can be waived once, during your first year of your membership.

What is the income requirement for the DBS Live Fresh Card?

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You’ll need an annual income of $30,000 to qualify for the DBS Live Fresh Card, if you’re a Singapore citizen or Permanent Resident. If you’re a foreigner working in Singapore, you’ll need an annual income of $45,000.

What is the mile per dollar or cashback offered?

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You get 5.7% cashback on transport and shopping spend, 3.25% cashback on select overseas spend and unlimited 0.3% on all spend.

Are there extra perks for the credit card?

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Yes, you get 1-for-1 F&B deals along with discounted flights and travel bookings with DBS’s partners, like Korean Air and Traveloka. DBS is also currently offering 2 sign-up bonuses for new customers. Those new to POSB/DBS can get up to $300 cashback and an additional $300 cash reward, if they’re between the ages of 21-29 years old.

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