DCS Ultimate Platinum Mastercard

Stop overthinking your rewards. The DCS Ultimate Platinum Mastercard drops a flat 2% cashback* into your wallet when you buy—with absolutely zero minimum spend. Hit the spend milestone and you'll walk away with a sleek, complimentary GOTRIP luggage. Just link it to Apple Pay or Google Pay, start tapping, and let the card pack for your next vacation.

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Card benefit

% cashback

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2% cashback with no min. spend, capped at S$200 per calendar month. Card transactions in foreign currencies will be converted to Singapore Dollars at the retail rate set by DCS, plus a conversion commission.

Annual Fee

S$ 196.2

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First Year Waived

Min. Annual Income

S$ 30,000

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S$30,000 and above per annum (Singaporean & PR) OR S$15,000 p.a. (age 55 & above). S$60,000 and above per annum (Foreigner).

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Highlights

Card benefit

% cashback

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Annual Fee

S$ 196.2

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First Year Waived

Min. Annual Income

S$ 30,000

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S$30,000 and above per annum (Singaporean & PR) OR S$15,000 p.a. (age 55 & above). S$60,000 and above per annum (Foreigner).

Offer Available

GOTRIP Luggage Bag 20-inch (worth S$200)

Welcome Offer

GOTRIP Luggage Bag 20-inch (worth S$200)

Welcome Offer promotion is valid from 10 July 2026 to 31 August 2026.
Promotion is valid for new customers of DCS cards only.
Apply and get approved for the DCS Flex Visa Platinum Card, DCS Ultimate Platinum Mastercard, or DCS Ultimate Platinum UnionPay Card and meet the min. spend criteria within 30 days of card approval to be eligible for reward:
- Make a min. spend of S$500 within 30 days of card approval to be eligible for a 20-inch GOTRIP Luggage Bag.
- Make a min. spend of S$800 within 30 days of card approval to be eligible for a 24-inch GOTRIP Luggage Bag.
- You will only receive one of the above rewards.
Terms and Conditions apply

GOTRIP Luggage Bag 24-inch (worth S$300)

Welcome Offer

GOTRIP Luggage Bag 24-inch (worth S$300)

Welcome Offer promotion is valid from 10 July 2026 to 31 August 2026.
Promotion is valid for new customers of DCS cards only.
Apply and get approved for the DCS Flex Visa Platinum Card, DCS Ultimate Platinum Mastercard, or DCS Ultimate Platinum UnionPay Card and meet the min. spend criteria within 30 days of card approval to be eligible for reward:
- Make a min. spend of S$500 within 30 days of card approval to be eligible for a 20-inch GOTRIP Luggage Bag.
- Make a min. spend of S$800 within 30 days of card approval to be eligible for a 24-inch GOTRIP Luggage Bag.
- You will only receive one of the above rewards.
Terms and Conditions apply

Things to consider when choosing this card:

Things to consider

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Online shopping rebate

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Travel insurance

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No monthly spend required

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Rebate cap applied

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Benefits

Cashback

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Cashback Base Rate

2 %

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No minimum spend; cashback is capped at S$200 per calendar month.

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Cashback Local

2 %

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No minimum spend; cashback is capped at S$200 per calendar month.

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Cashback Overseas

2 %

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Card transactions made in foreign currencies will be converted to Singapore Dollars based on a retail rate by DCS plus a conversion commission.

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Quick Facts

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Get up to 2% cashback on all purchases with no minimum spend.

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Free Insurance Coverage of up to S$1,000,000.

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Cashback is awarded up to a monthly spend of S$10,000 (capped at S$200 cashback per calendar month).

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Guides

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Eligibility

Minimum Age

21 years old

Min. Annual Income

S$ 30,000

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S$30,000 and above per annum (Singaporean & PR) OR S$15,000 p.a. (age 55 & above). S$60,000 and above per annum (Foreigner).

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Fees / Repayment

Fees

Annual Fee Waiver

1 year

Annual Fee

S$ 196.2

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First Year Waived

Foreign Currency Transaction Fee

3.25 %

Cash Advance Service Charge

S$ 20

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Or 6% of amount withdrawn, whichever is greater.

Repayment

Minimum Payment

5 %

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5% of outstanding balance or S$50 (whichever is greater) or the full amount if below S$50; plus all past due amount and any amount exceeding Credit Limit.

Late Payment Charge

S$ 100

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S$100 if Minimum Payment Due is not received on or before the Payment Due Date.

Interest on Purchase

27 %

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Interest on Cash Advance

29 %

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Interest Free Period

57 days

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Others

Association

Mastercard

DCS Ultimate Platinum Mastercard

Highlights

Things to consider when choosing this card:

Things to consider

Benefits

Cashback

Quick Facts

Guides

Eligibility

Eligibility

Fees / Repayment

Fees

Repayment

Others

Association

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