Best DBS Credit Cards in Singapore 2025
Updated: 27 Aug 2025
From everyday spending cards for fresh grads and first jobbers, to petrol cards for those who live to drive, DBS Bank offers a variety of credit cards in Singapore. Read on to find out which DBS credit card is best suited for you.
Why Trust SingSaver
Card | Hot Reward Pick | SingSaver Reward | Card Benefits | Annual Fee | |||
|---|---|---|---|---|---|---|---|
 | POSB Everyday Card | S$999 | 0.3 - 10 % cashback | S$196.20 | |||
 | DBS yuu Visa Card | S$999 | 0.5 - 18 % cashback | S$196.20 | |||
 | DBS Altitude American Express Card | - | - | 1.3 - 2.2miles / dollar | S$196.20 | ||
 | DBS Live Fresh Card | S$1,299 | 0.3 - 9.25 % cashback | S$196.20 | |||
 | DBS Altitude Visa Signature Card | - | - | 1.3 - 2.2miles / dollar | S$196.20 | ||
 | DBS yuu American Express Card | S$999 | 0.5 - 18 % cashback | S$196.20 | |||
 | DBS Takashimaya American Express Card | - | - | 0.17 - 6 % cashback | S$196.20 | ||
 | DBS Esso Card | - | - | 21.6 % fuel savings | S$196.20 | ||
 | DBS Takashimaya Visa Card | - | - | 0.17 - 5 % cashback | S$196.20 | ||
 | DBS Woman's World Card | - | - | 1 - 10 DBSpoints / dollar | S$196.20 | ||
 | DBS Live Fresh Student Card | - | - | 0.3 - 10 % cashback | S$196.20 | ||
 | DBS Vantage Visa Infinite Card | - | - | 1.5 - 2.2miles / dollar | S$599.50 | ||
 | DBS Woman's Card | - | - | 1 - 5 DBSpoints / dollar | S$163.50 |
POSB Everyday Card
rating
3.9/ 5
Cashback (Petrol)
Up to 6 %Cashback (Local)
Up to 10 %Cashback (Dining)
Up to 10 %Annual Fee
S$ 196.20Apply through SingSaver and choose from 5 premium rewards:
- Up to 10% cash rebates on food delivery via foodpanda, GrabFood and Deliveroo.
- Up to 10% cash rebates on in-store spend in Malaysian Ringgit (MYR).
- Up to 10% cash rebates on SimplyGo.
- Up to 5% cash rebates on Amazon.sg, Lazada, Shopee, RedMart, Taobao and TikTok Shop.
- Up to 5% cash rebates at Popular bookstores (in-person and online)
- 5% cash rebates at Sheng Siong supermarkets.
- 6% cash rebates at SPC.
- 3% cash rebates at Pet Lovers Centre.
- 0.3% cash rebates on all other eligible spend.
- Cash rebates (in Daily$) never expire.
- Read our full review of the POSB Everyday Card.
- Min. spend of S$800 per calendar month required for accelerated cash rebate earn rate.
- S$20 monthly cash rebate cap for dining, Sheng Shiong, Popular, online shopping, SimplyGo, and MYR categories respectively.
Repayment Details
Minimum Payment: 3 %
Late Payment Charge: S$100
Interest on Purchase: 27.8 %
Interest on Cash Advance: 28.5 %
Interest Free Period: 25 days
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 3.25 %
Cash Advance Service Charge: 8 %
Eligibility
Monthly Spend Required: S$800
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
Cashback Department Store
Up to 18 %Rewards Points Local Spending
Up to 36 yuu Points / dollarRewards Bonus Cap
15,600 yuu Points / monthAirmiles Local
Up to 10 miles / dollarApply through SingSaver and choose from 5 premium rewards:
- Up to 36X yuu Points (equivalent to 18% cashback) on yuu participating merchants.
- 1X yuu Point on all other spend.
- S$1 spend = 1 yuu Point. No limit. No cap.
- Customers need to download the new rewards app as yuu Points awarded can only be tracked on yuu Rewards app.
- Redemptions of yuu Points capped at 15,600 points (S$78) per calendar month.
Repayment Details
Minimum Payment: 3 %
Late Payment Charge: $100
Interest on Purchase: 27.8 %
Interest on Cash Advance: 28.5 %
Interest Free Period: 25 days
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 3.25 %
Cash Advance Service Charge: S$15
Eligibility
Monthly Spend Required: No Requirement
Min. Annual Income: S$30,000
Minimum Age: 21 years old
DBS Altitude American Express Card
rating
2/ 5
Airmiles Overseas
Up to 2.2 miles / dollarAirmiles Local Spend
Up to 1.3 miles / dollarAirport Lounge Access
2 visits per year*Min Annual Income
S$ 30,000You’ll also receive the following welcome gift(s) directly from the bank:
- Up to 1.3 miles per S$1 spent locally, including bus and train rides.
- Up to 2.2 miles per S$1 spent on overseas purchases in foreign currency.
- Receive 10,000 bonus miles when you pay the annual fee of S$196.20
- Read our full review of the DBS Altitude Card.
- Miles are awarded in the form of DBS points which are awarded for every S$5 spent.
- Each conversion of DBS points to miles will be subjected to an administrative fee of S$25 (exclusive of GST).
Repayment Details
Minimum Payment: 3 %
Late Payment Charge: S$100
Interest on Purchase: 27.8 %
Interest on Cash Advance: 28.5 %
Interest Free Period: 25 days
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 3.25 %
Air Miles Conversion Fee: S$25
Cash Advance Service Charge: S$15
Eligibility
Monthly Spend Required: S$0
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
Cashback Local Online Shopping
Up to 6 %Cashback Baseline
0.3 %Cashback Overseas
Up to 6 %Min Annual Income
S$ 30,000Apply through SingSaver and choose from 5 premium rewards:
You’ll also receive the following welcome gift(s) directly from the bank:
- Get up to 6% cashback on Shopping and Transport spend
- Get unlimited 0.3% cashback on all spend
- Earn an extra 3.25% cashback on In-store Overseas Spend at your favourite destinations in Asia from Japan, Malaysia, Thailand and more
- Enjoy first-year annual fee waiver
- Enjoy more fresh deals and exclusive perks
- Spending on the card and crediting your salary can earn you 0.05% p.a. or more on your DBS Multiplier account
- Min. monthly spending of S$800 required to earn up to 6% cashback on Shopping and Transport spend
- Cashback on Shopping spend capped at S$50 per calendar month
- Cashback on Transport spend capped at S$20 per calendar month
Repayment Details
Minimum Payment: 3 %
Late Payment Charge: S$100
Interest on Purchase: 27.8 %
Interest on Cash Advance: 28.5 %
Interest Free Period: 25 days
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 3.25 %
Cash Advance Service Charge: S$15
Eligibility
Monthly Spend Required: S$800
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
Airmiles Overseas Spend
Up to 5 miles / dollarAirmiles Local Spend
1.3 miles / dollarAirport Lounge Access
2 visits per year*Min Annual Income
S$ 30,000You’ll also receive the following welcome gift(s) directly from the bank:
- Up to 1.3 miles per S$1 spent locally, including bus and train rides.
- Up to 2.2 miles per S$1 spent on overseas purchases in foreign currency.
- Receive 10,000 bonus miles when you pay the annual fee of S$196.20
- 2 free lounge visits within each 12-month period of your membership to over 1,500 airport lounges worldwide.
- Read our full review of the DBS Altitude Card.
- Miles are awarded in the form of DBS points which are awarded for every S$5 spent.
- Each conversion of DBS points to miles will be subjected to an administrative fee of S$25 (exclusive of GST).
Repayment Details
Minimum Payment: 3 %
Late Payment Charge: S$100
Interest on Purchase: 27.8 %
Interest on Cash Advance: 28.5 %
Interest Free Period: 25 days
Fees
Annual Fee: S$196.20
Cash Advance Service Charge: S$15
Foreign Currency Transaction Fee: 3.25 %
Air Miles Conversion Fee: S$25
Eligibility
Monthly Spend Required: No Cap
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
DBS yuu American Express Card
rating
3/ 5
Cashback Department Store
Up to 18 %Rewards Points Local Spending
Up to 36 yuu Points / dollarRewards Bonus Cap
15,600 yuu Points / monthAirmiles Local
Up to 10 miles / dollarApply through SingSaver and choose from 5 premium rewards:
- Up to 36X Points on yuu participating merchants.
- 1X Point on all other spend.
- S$1 spend = 1 yuu Point. No limit. No cap.
- Customers need to download the new rewards app as yuu Points awarded can only be tracked on yuu Rewards app.
- Redemptions of yuu Points capped at 15,600 points (S$78) per calendar month.
Repayment Details
Minimum Payment: 3 %
Late Payment Charge: $100
Interest on Purchase: 27.8 %
Interest on Cash Advance: 28.5 %
Interest Free Period: 25 days
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 3.25 %
Cash Advance Service Charge: S$15
Eligibility
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
DBS Takashimaya American Express Card
rating
4.5/ 5
Cashback Retail
Up to 6 %Rewards Points Retail
2 Takashimaya Bonus PointsCashback Department Store
6 %Cashback Base Rate
0.17 %- Get 6% voucher rebates in Takashimaya Department Store (Earn 2 Takashimaya Bonus Points with every S$10 charged)
- Get 2% voucher rebates in Takashimaya Shopping Centre (Earn 2 Takashimaya Bonus Points with every S$30 charged)
- Redeem S$30 worth of Takashimaya Gift Vouchers with every 100 Takashimaya Bonus Points.
- Enjoy additional 10% off during selected sale events at Takashimaya Department Store.
- Enjoy S$4 top-up to your CashCard for parking when you charge at least S$400 to your Card at Takashimaya Department Store.
- Enjoy up to 5% discount at selected Takashimaya stores in Asia.
- Rebates can only be redeemed for Takashimaya vouchers.
Repayment Details
Minimum Payment: 3 %
Late Payment Charge: S$100
Interest on Purchase: 27.8 %
Interest on Cash Advance: 28.5 %
Interest Free Period: 25 days
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 3.25 %
Cash Advance Service Charge: S$15
Eligibility
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
DBS Esso Card
rating
3.7/ 5
Fuel Savings
Up to 21.6 %Cashback Petrol
3.6 %Rewards Points Petrol
1 Smiles PointCashback Baseline
0.4 %- Enjoy up to 21.6% fuel savings and 2.4% Smiles Savings at All Esso stations.
- Auto-enrolment into the Esso Smiles Driver Rewards programme.
- Earn Smiles Points on all Esso fuel spend and card retail spend.
- Get interest-free payment plans for motor insurance and road tax.
- Enjoy faster payments at Pay-at-the-Pump Systems at Esso service stations.
- 18% instant fuel discounts not applicable when paying via mobile wallets, including Apple Pay, Samsung Pay, and Google Pay.
Repayment Details
Minimum Payment: 3 %
Late Payment Charge: S$100
Interest on Purchase: 27.8 %
Interest on Cash Advance: 28.5 %
Interest Free Period: 25 days
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 3.25 %
Cash Advance Service Charge: S$15
Eligibility
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
DBS Takashimaya Visa Card
rating
3.7/ 5
Cashback Retail
Up to 5 %Cashback Local Spend
0.17 %Rewards Points Dining
2 Takashimaya Bonus PointsAnnual Fee Waiver
1 year- Get up to 5% voucher rebates on your Takashimaya spend (up to 2 Takashimaya Points with every S$12 charged).
- Redeem S$30 worth of Takashimaya Gift Vouchers with every 100 Takashimaya Bonus Points.
- Enjoy additional 10% off during selected sale events at Takashimaya Department Store.
- Enjoy S$4 top-up to your CashCard for parking when you charge at least S$400 to your Card at Takashimaya Department Store.
- Enjoy up to 5% discount at selected Takashimaya stores in Asia.
- Rebates can only be redeemed for Takashimaya vouchers.
Repayment Details
Minimum Payment: 3 %
Late Payment Charge: S$100
Interest on Purchase: 27.8 %
Interest on Cash Advance: 28.5 %
Interest Free Period: 25 days
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 3.25 %
Cash Advance Service Charge: S$15
Eligibility
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
DBS Woman's World Card
rating
4.6/ 5
Rewards Points Local Spending
10 DBS Points / S$5Cashback Local Online Shopping
1.67 %Airmiles Travel
4 miles / dollarMinimum Annual Income
S$ 80,000- 10X DBS points (20 miles) for every S$5 spent on online purchases.
- 3X DBS points (6 miles) for every S$5 spent on overseas purchases.
- 1X DBS points (2 miles) for every S$5 spent on other purchases.
- Complimentary e-commerce protection for online purchases.
- Enjoy special promotions and discounts for certain fashion, beauty and wellness stores.
- Both women and men can apply.
- DBS points are only awarded for every S$5 spent.
- 10X DBS points are only applicable for the first S$1,500 online spend per calendar month.
- Minimum income requirement for Singaporeans/PRs: S$80,000.
- Minimum income requirement for foreigners: S$80,000.
Repayment Details
Minimum Payment: 3 %
Late Payment Charge: S$100
Interest on Purchase: 27.8 %
Interest on Cash Advance: 28.5 %
Interest Free Period: 25 days
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 3.25 %
Air Miles Conversion Fee: S$25
Cash Advance Service Charge: S$15 %
Eligibility
Minimum Annual Income: S$80,000
Minimum Age: 21 years old
DBS Live Fresh Student Card
rating
3.2/ 5
Cashback Local Spend
Up to 10 %Cashback Supermarket
5 %Cashback Overseas
0.3 %Annual Fee Waiver
5 years- Enjoy 5% Cashback on McDonald's, Starbucks, Golden Village, Netflix and Spotify.
- Enjoy additional 5% Green Cashback on selected eco-friendly Eateries, Retailers, and Transport Services.
- 0.3% Cashback on All Other Spend
- 5 Years Annual Fee Waiver
- No minimum spend required
- No minimum income required
- Monthly credit limit of S$500
- Monthly cashback cap of S$50
Repayment Details
Minimum Payment: 3 %
Late Payment Charge: S$100
Interest on Purchase: 27.8 %
Interest Free Period: 25 days
Interest on Cash Advance: 28.5 %
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 3.25 %
Cash Advance Service Charge: S$15
Eligibility
Minimum Annual Income: None
Minimum Age: 21 years old
DBS Vantage Visa Infinite Card
rating
1/ 5
Airmiles Local Spend
1.5 miles / dollarAirmiles Overseas
2.2 miles / dollarAirpport Lounge Access
10 visits per year*Rewards Points Online Shopping
3.75 DBS Points- 1.5 miles or 1.5% cashback per S$1 spent locally, such as groceries, shopping and more.
- 2.2 miles or 2.2% cashback per S$1 spent on overseas purchases in foreign currency.
- Receive 25,000 bonus miles when you pay the annual fee of S$550 (exclusive of GST) to renew your membership.
- Complimentary Accor Plus Explorer membership with 1 free hotel night stay at Sofitel, Fairmont, Swissotel and over 1000 hotels worldwide.
- Complimentary Digital Priority Pass™ Membership and 10 free lounge visits to over 1,300 airport lounges worldwide within each 12-month period of membership.
- Members-only dining privileges at over 80 of Singapore’s fine dining establishments, including Michelin-awarded restaurants.
- Annual fee of S$588.50 (inclusive of GST) is non-waivable for the first year.
- Miles are awarded in the form of DBS Points which are awarded for every S$5 spent.
- Each conversion of DBS Points to miles will be subjected to an administrative fee of S$25 (exclusive of GST).
Repayment Details
Minimum Payment: 3 %
Late Payment Charge: $100
Interest on Purchase: 27.8 %
Interest on Cash Advance: 28.5 %
Interest Free Period: 25 days
Fees
Annual Fee: S$599.50
Foreign Currency Transaction Fee: 3.25 %
Air Miles Conversion Fee: S$27
Cash Advance Service Charge: S$15
Eligibility
Monthly Spend Required: S$2,000
Minimum Annual Income: S$120,000
Minimum Age: 21 years old
DBS Woman's Card
rating
4.3/ 5
Rewards Points Online Shopping
Up to 5 DBS PointsRewards Points Local Spending
Up to 5 DBS PointsAirmiles Travel
2 miles / dollarCashback Local Online Shopping
0.83 %- 5X DBS points (10 miles) for every S$5 spent on online purchases.
- 1X DBS points (2 miles) for every S$5 spent on other purchases.
- Complimentary e-commerce protection for online purchases.
- Enjoy special promotions and discounts for certain fashion, beauty and wellness stores.
- Both women and men can apply.
- 5X DBS points are only applicable for the first S$1,000 online spend per calendar month.
- DBS points are awarded for every S$5 spent.
Repayment Details
Minimum Payment: 3 %
Late Payment Charge: S$100
Interest on Purchase: 27.8 %
Interest on Cash Advance: 28.5 %
Interest Free Period: 25 days
Fees
Annual Fee: S$163.50
Foreign Currency Transaction Fee: 3.25 %
Air Miles Conversion Fee: S$25
Cash Advance Service Charge: S$15
Eligibility
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
Rewards
DBS points can be redeemed online for rewards or converted into air miles. However, not every DBS card gives you DBS points. DBS Live Fresh, Takashimaya and Esso Cards are not eligible for earning DBS Points.
DBS points
Although most DBS credit cards reward you with DBS points, keeping track of your rewards isn't always a straightforward affair. It's easy enough with cards such as the DBS Woman's World, which distributes its rewards to you in the form of DBS Points. For cards like the DBS Altitude American Express Card, however, you'll need to convert your miles to DBS Points. This works at a rate of 1 DBS Point to 2 air miles. Do note, however, that DBS Points are awarded in S$5 blocks. Another important thing to remember about DBS Points is that they have an expiry date of one year from the date it was earned.
Convert DBS Points to air miles
You can choose to do this manually or sign up for DBS's KrisFlyer Miles Auto Conversion Programme, if you qualify. Manual points conversion will incur you an administrative fee of S$27.25 each time you convert your DBS Points to miles. Meanwhile, if you are a frequent flyer who wishes to automate this process, enrolling in the Programme will ensure your DBS Points are automatically converted each quarter in blocks of 500 DBS Points. Do note that this service will incur you an annual participation fee of S$43.60 for each successful conversion. This Programme is only available to DBS Insignia Card, DBS Black Treasures Elite Card or DBS Altitude Card Principal Cardmembers.
Redeeming your rewards
Snapping up rewards for e-vouchers, rebates and air miles has never been easier. Simply log into DBS digibank to browse the rewards redemption catalogue and add any items you wish to claim to your cart. Alternatively, you may use the DBS Rewards website or the DBS Lifestyle App on your mobile device to redeem your rewards points instead.
How to apply
-
Start your application on SingSaver
-
Submit required documents (if needed)
-
Receive and activate your card
-
Redeem your SingSaver rewards (if applicable)
Frequently asked questions about DBS credit cards
The minimum annual income for DBS credit cards vary. Most DBS credit cards have a S$30,000 minimum annual income requirement for Singapore Citizens and PRs. Exceptions do apply. For example, the DBS Live Fresh Student Card, which is catered to students, has no minimum annual income requirements. Meanwhile, the DBS Vantage Card has a minimum annual income of $120,000.
Anybody who meets the minimum annual income, age requirements and possesses the relevant documents are welcome to apply for a DBS credit card. Applying online with Singpass is easier than ever, since all the information required is usually stored in your MyInfo section.
SMS transaction alerts are a good way to keep track of your spending and staying on top of any suspicious transactions. Set up SMS transaction alerts via DBS digibank online by enabling alerts for your DBS credit card. Set a low threshold (S$1) if you want to be notified of every transaction.
You don't have to visit a bank to activate your credit card. All you need is your phone. Simply activate your DBS credit card via SMS by messaging "Activate Last 4 digits of Card” to 77767. Here's a sample of what your SMS might look like:
"Activate 1111"
Credit card application resources
Looking for a credit card that suits your needs? Check out these helpful guides: