POSB Everyday Card

POSB Everyday Card

Make your everyday more rewarding with the POSB Everyday Card. Enjoy up to 10% cash rebates on your daily spend, along with bigger savings on bills, fuel, and more!
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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Food delivery

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Online shopping rebate

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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 10  %
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Cashback Overseas
0.3  %
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Cashback Dining
Up to 10  %
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Cashback Supermarket
5  %
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local_gas_station
Cashback Petrol
Up to 20.1  %
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Cashback Retail
Up to 8  %
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Cashback Local Online Shopping
5  %
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Cashback Overseas Online Shopping
5  %
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Cashback Online Bill Payment Spending
Up to 3  %
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Quick Facts

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Earn 10% cash rebates on food delivery via foodpanda, Deliveroo and WhyQ.

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3% cash rebate granted for dining spend (excluding fast food spend).

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Enjoy 8% cash rebates on Shopee, Lazada, Amazon.sg, Qoo10, RedMart, iHerb, Taobao and Popular Online Store.

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Get 5% cash rebates at Sheng Siong supermarkets.

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Up to 3% cash rebates on your utilities and telecommunication payments.

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Earn 6% cash rebates at SPC and 0.3% cash rebates at Watson.

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0.3% cash rebates on all other transactions.

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Cash rebates never expire.

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Read our full review of the POSB Everyday Card.

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Min. spend of S$800 per calendar month required for accelerated cash rebate earn rate.

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S$15 monthly cash rebate cap for dining and online spending categories respectively.

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S$30 monthly cash rebate cap for groceries.

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Guides

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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
8  %
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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

Mastercard

Supported Payment Type

Google Pay

Apple Pay

Samsung Pay

NETSPay

Tags

POSB Everyday Card POSB Everyday Card

Read Singsaver’s full review of the POSB Everyday Card

 

Pros & cons

Pros

Cons

  • High cashback rates on online food deliveries, online shopping and offline MYR spend

  • Enjoy up to 20.1% fuel savings at SPC stations islandwide

  • No minimum spend for cash rebates on groceries, fuels and pet supplies

  • Minimum spend of $800 required to unlock higher cashback rates

  • Low cashback caps for some categories, such as the $20 monthly cap for online shopping

  • POSB no longer offers 3% cashback on telecommunications, as of 1 April 2025

 

Who is this card for

  • Parents with young children looking to earn cash rebates on daily expenses will benefit from the POSB Everyday Card. They’d be able to earn 5% cash rebates on groceries, whether they prefer to shop on Redmart or Sheng Siong. On hectic days, they’d be able to take advantage of the 10% cash rebates on online food deliveries. Meanwhile, the 10% cash rebates on offline MYR spend will come in handy during weekend trips in Johor Bahru. If they own a family car, they can also save on fuel at SPC stations islandwide, thanks to the 6% cash rebates.

  • Young working adults looking to save on everyday spending will also find the POSB Everyday Card useful. From 10% cash rebates on bus and train rides with SimplyGo, to 5% cash rebates on major e-commerce platforms including Shopee and TikTok Shop, the POSB Everyday Card can be an effective way to manage spending. 

Compare to other cards 

Now that you know the POSB Everyday Card makes for a solid everyday rewards card, it’s time to look at its direct competitors. 

Compared to the DBS Live Fresh Card and the HSBC Live+ Credit Card, the POSB Everyday Card’s benefits seem to be tailored toward cardholders who rarely spend outside of Singapore and Johor Bahru. Unlike the DBS Live Fresh Card which offers rewards on select overseas spend, and the HSBC Live+ Credit Card, which offers discounts of up to 15% when you dine abroad, POSB Everyday Card members are only rewarded for offline MYR spend.

Another thing to note is the $800 minimum monthly spend needed for enjoying higher cash rebates. The same sum also applies to the DBS Live Fresh Card, whereas HSBC Live+ Credit Card members will need to fork out $1,000 for their first quarter and $600 for the subsequent quarter for that coveted 8% cashback rate.

All in all, the POSB Everyday Card is a good fit for people whose spending habits align with its benefits. If you’re looking to accumulate some savings each month, and you’re not a big spender, POSB’s relatively low cashback caps might not be a deal breaker. On the other hand, if you frequently travel around the region and want to earn rewards on in-person purchases, you might want to consider signing up for the DBS Live Fresh Card instead. Otherwise, there’s always the HSBC Live+ Credit Card with its complimentary travel insurance and dining deals across Asia—perks any traveller would love.

POSB Everyday Card

Interest rate: 27.8%

Annual fee: $196.20 (First year waiver available)

Minimum annual income:

  • $30,000 for Singapore citizens and PRs.
  • $45,000 for foreigners.

Benefits:

  • 10% cash rebates on online food deliveries.
  • 5% cash rebates on dining.
  • 10% cash rebates on offline MYR spend.
  • 10% cash rebates on bus & train rides with SimplyGo.
  • Up to 20.1% fuel savings at SPC stations islandwide.
  • Exclusive deals on dining, family attractions, fuel and groceries.
  • No minimum spend for groceries, fuels and pet supplies.

 

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.

 

HSBC Live+ Credit Card

Interest rate: 26.9%

Annual fee: $196.20 (First year waiver available)

Minimum annual income:

  • $30,000 for Singaporeans and PRs.
  • $40,000 for foreigners.

Benefits:

  • 8% cashback on eligible dining, shopping and entertainment expenses. Get cashback on your streaming subscriptions, like Netflix, Spotify and Disney+.
  • 5% cashback at Shell and Caltex stations, and up to 17% in fuel savings.
  • 0.3% cashback on all other eligible spend.
  • Complimentary AIG insurance coverage on any loss or damage to your online purchases.
  • Discounted rates on comprehensive travel insurance from HSBC TravelSure, with over 50 benefits including Cancel For Any Reason.

Credit card application

Step 1: Apply via our POSB Everyday Card page

Start by clicking on our card application link.

Check to see if your income data and identification details are up to date on SingPass MyInfo, so you can apply with SingPass. Your approval-in-principal page should appear within minutes of submitting your application.

Step 2: Make sure you have all your documents 

Want to skip the hassle of consolidating all your required documents? Consider applying with SingPass to streamline the process. Otherwise, prepare the following:

  • 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 POSB Everyday Card via the 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 start collecting your cash rebates as you spend, and track your transactions on the go!

Credit card application resources 

Frequently asked questions about the POSB Everyday Card

Are there annual fees for the POSB Everyday Card?

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Yes, the annual fee for the POSB Everyday Card is $196.20. Each supplementary card will cost you $98.10 per card. The annual fee for the first year of your membership is waived.

What is the income requirement for the POSB Everyday Card?

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Singaporean citizens and Permanent Residents will need a minimum annual income of $30,000, while foreigners will need to earn $45,000 per year.

What is the mile per dollar or cashback offered?

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The POSB Everyday Card offers 10% cash rebates on online food deliveries, offline MYR spend, as well as bus and train rides with SimplyGo. You can also get 5% cash rebates on dining and e-commerce spend on popular online shopping sites like Lazada and Shopee. POSB Everyday Card members can also claim 20.1% fuel savings at SPC stations islandwide.

Are there extra perks for the credit card?

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When you spend with your POSB Everyday Card, you get cashback in the form of Daily$. Redeem your Daily$ to offset purchases at Pet Lovers Centre, Sheng Siong or a SPC station. You can also do so online via the DBS Apple Rewards store or through the Zalora, AXS or Shopee app.

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