DCS Ultimate Platinum UnionPay Card

Stop overthinking your rewards and start accumulating serious global perks! The DCS Ultimate Platinum UnionPay Card drops a flat, effortless 2% cashback* into your wallet when you buy—with absolutely zero minimum spend hoops to jump through. Built with an ultra-sleek, numberless layout for bulletproof identity security, you can also explore mainland China completely hassle-free with a 3% transaction fee waiver on all Alipay and WeChat pay purchases. Even better, it unlocks the VIP treatment with exclusive UnionPay power-moves: a complimentary Sands Rewards LifeStyle Elite tier membership and up to 10% off at over 100 International Airport Duty-Free shops.

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Card benefit

% cashback

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2% cashback on all eligible purchases with no min. spend, capped at S$200 per calendar month.

Annual Fee

S$ 196.2

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First Year Waived

Minimum 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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2% cashback on all eligible purchases with no min. spend, capped at S$200 per calendar month.

Annual Fee

S$ 196.2

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First Year Waived

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

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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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Eligibility

Minimum Age

21 years old

Minimum 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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p.a.

Interest on Cash Advance

29 %

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p.a.

Interest Free Period

57 days

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Others

Association

Mastercard

DCS Ultimate Platinum UnionPay Card

Highlights

Things to consider when choosing this card:

Things to consider

Benefits

Cashback

Quick Facts

Eligibility

Eligibility

Fees / Repayment

Fees

Repayment

Others

Association

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