Best DBS Credit Cards in Singapore 2026
Updated: 25 May 2026
Credit Card | Product Name | 🔥 Hot Reward Pick | Card Benefits | Min. Annual Income | Annual Fee | |
|---|---|---|---|---|---|---|
 | DBS yuu Visa Card | 0.5 - 18 % | S$30,000 | S$196.20 | ||
 | POSB Everyday Card | 0.3 - 10 % | S$30,000 | S$196.20 | ||
 | DBS Live Fresh Card | 0.3 - 9.25 % | S$30,000 | S$196.20 | ||
 | DBS yuu American Express Card | 0.5 - 18 % | S$30,000 | S$196.20 | ||
 | DBS Altitude American Express Card | 1.3 - 2.2 | S$30,000 | S$196.20 | ||
 | DBS Altitude Visa Signature Card | 1.3 - 2.2 | S$30,000 | S$196.20 | ||
 | DBS Takashimaya American Express Card | - | 0.17 - 6 % | S$30,000 | S$196.20 | |
 | DBS Esso Card | - | 21.6 % | S$30,000 | S$196.20 | |
 | DBS Takashimaya Visa Card | - | 0.17 - 5 % | S$30,000 | S$196.20 | |
 | DBS Woman's World Card | - | 1 - 10 DBS | S$80,000 | S$196.20 | |
 | DBS Live Fresh Student Card | - | 0.3 - 10 % | None | S$196.20 | |
 | DBS Vantage Visa Infinite Card | - | 1.5 - 2.2 | S$120,000 | S$599.50 | |
 | DBS Woman's Card | - | 1 - 5 DBS | S$30,000 | S$163.50 | |
 | DBS SAFRA Card | - | 0.3 - 3 % | S$30,000 | Not applicable |
Don’t miss out on this great deal!
🔑 Use Code SINGSAVER, Unlock Richest Rewards
Use promo code SINGSAVER when you apply for select DBS Credit Cards and enjoy massive rewards, including 24,000 Max Miles by HeyMax (worth S$432) and other gifts like Dyson worth up to S$799!
Apply by Jun 01, 2026 to claim your reward
Participating Products:
POSB Everyday Card
:
For families & daily spending
DBS Altitude American Express Card
:
For accumulating travel miles
DBS yuu American Express Card
:
For yuu shoppers
DBS Live Fresh Card
:
For transport & online shopping
DBS Altitude Visa Signature Card
:
For frequent flyers
DBS yuu Visa Card
:
For grocery rewards
How to Qualify?
- Apply for DBS / POSB Credit Cards with promo code SINGSAVER by 1 June 2026
- Submit the SingSaver Reward Redemption form
- Activate your card and spend a minimum of S$500 within 30 days from card approval date to be eligible for reward
- Promotion is valid for new DBS / POSB credit cardmembers only
- Terms and Conditions apply.
Apply by Jun 01, 2026 to claim your reward
DBS yuu Visa Card
Promo Code:
SINGSAVER
- 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.
- Supermarket rebate
- Dining rebate
- Transport rebate
- 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$78) per calendar month.
- Rebate cap applied
- Monthly spend required
- Up to 10% cash rebates on food delivery via foodpanda, GrabFood and Deliveroo.
- Up to 10% cash rebates on in-store spend in Malaysian Ringgit (MYR).
- Up to 10% cash rebates on SimplyGo.
- Up to 5% cash rebates on Amazon.sg, Lazada, Shopee, RedMart, Taobao and TikTok Shop.
- Up to 5% cash rebates at Popular bookstores (in-person and online)
- 5% cash rebates at Sheng Siong supermarkets.
- 6% cash rebates at SPC.
- 3% cash rebates at Pet Lovers Centre.
- 0.3% cash rebates on all other eligible spend.
- Cash rebates (in Daily$) never expire.
- Read our full review of the POSB Everyday Card.
- Food delivery
- Online shopping rebate
- 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.
- Rebate cap applied
- Monthly spend required
DBS Live Fresh Card
Promo Code:
SINGSAVER
- 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
- Online Rebate
- Shopping
- Public transportation
- 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
- Rebate cap applied
- Monthly spend required
- Up to 36X Points on yuu participating merchants.
- 1X Point on all other spend.
- S$1 spend = 1 yuu Point. No limit. No cap.
- Supermarket rebate
- Dining rebate
- Transport rebate
- 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.
- Rebate cap applied
- Monthly spend required
- 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.
- Bonus air miles
- Airport lounge
- No expiry air miles
- Unlimited air miles
- 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).
DBS Altitude Visa Signature Card
Promo Code:
SINGSAVER
- 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.
- Bonus air miles
- Airport lounge
- No expiry air miles
- Unlimited air miles
- 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).
DBS Takashimaya American Express Card
- 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 up to 5% discount at selected Takashimaya stores in Asia.
- Retail rebate
- Retail discount
- Voucher redeemable
- No rebate cap
- Rebates can only be redeemed for Takashimaya vouchers.
DBS Esso Card
- 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.
- Petrol savings
- 18% instant fuel discounts not applicable when paying via mobile wallets, including Apple Pay, Samsung Pay, and Google Pay.
- Annual Fee required
DBS Takashimaya Visa Card
- 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 up to 5% discount at selected Takashimaya stores in Asia.
- Retail rebate
- Retail discount
- Voucher redeemable
- No rebate cap
- Rebates can only be redeemed for Takashimaya vouchers.
DBS Woman's World Card
- 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.
- Online shopping rebate
- Overseas rebate
- Installment
- 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.
- Rebate cap applied
DBS Live Fresh Student Card
- 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
- Mobile contactless rebate
- Local spending rebate
- No income required
- Monthly credit limit of S$500
- Monthly cashback cap of S$50
- Rebate cap applied
DBS Vantage Visa Infinite Card
- 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.
- Bonus air miles
- Local spending rebate
- Overseas rebate
- Airport lounge
- 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).
DBS Woman's Card
- 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.
- Online shopping rebate
- Overseas rebate
- Installment
- 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.
- Rebate cap applied
- Enjoy up to 3% cash rebate on local contactless spend and online shopping, including bus/train rides via SimplyGo.
- Earn 1 SAFRAPOINT for every dollar spent at participating outlets and facilities at SAFRA.
- Doubles as your SAFRA Membership Card.
- Enjoy exclusive access to 7 SAFRA Clubhouse islandwide.
- Combined DBS and SAFRA privileges that include exclusive discounts and perks at over 1,800 merchant outlets.
- No annual fee charged as long as you remain a SAFRA memeber. SAFRA membership fees still applies..
- Mobile contactless rebate
- Online shopping rebate
- Applicant must be an existing SAFRA member.
- Must spend a min. of S$500 in a calendar month to earn 3% cash rebate.
- Cash rebates earned will be in the form of SAFRA$ and is capped at SAFRA$50 per card account per calendar month.
- SAFRA$ earn will expire 12 calendar months from the date it was earned. All expired SAFRA$ will be forfeited.
- Monthly spend required
- Rebate cap applied
POSB Everyday Card
Key features
-
Up to 10% cash rebates on online food delivery orders
-
Up to 10% cash rebates on in-store spend in Malaysian Ringgit (MYR)
-
Up to 10% cash rebates on SimplyGo commutes
-
Up to 5% cash rebates on online marketplaces (including Amazon.sg, Lazada 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 stations islandwide
-
3% cash rebates at Pet Lovers Centre
-
0.3% cash rebates on all other eligible spend
-
Cash rebates (in Daily$) never expire
Annual interest rates & fees
-
Annual principal fee: S$196.20 (inclusive of GST)
-
Supplementary annual fee: S$98.10
-
Fee waiver: Waived for 1 year
-
Annual interest rate: 27.8% p.a.
-
Late payment fees: S$100
-
Minimum monthly repayment: 3% of your statement balance or S$50, whichever is higher, plus any overdue sums
Minimum income requirement
-
Monthly spend required: S$800 needed for higher earning rates
-
Singapore Citizen/PR minimum income: S$30,000 (55 years old and under), S$15,000 (56 years old and above)
-
Foreigner minimum income: S$45,000
-
Minimum age: 21 years old
Limitations
-
S$800 monthly minimum spend required for earning accelerated cash rebates
-
9.7% cash rebates for online food delivery capped at Daily$20 per category per calendar month
-
5% cash rebates at Sheng Siong supermarket capped at Daily$20 per calendar month
-
4.7% bonus cash rebates for online shopping capped at Daily$20 per calendar month
-
9.7% cash rebates for SimplyGo commutes capped at Daily$20 per calendar month
DBS yuu Visa Card
Key features
-
Earn up to 18% cash rebates or 10 miles per dollar with a minimum monthly spend of S$600
-
Get unlimited 5% cash rebates or 2.8 miles per dollar with no minimum spend
-
Knock S$2 off your favourite essentials at Cold Storage, Giant and Guardian
-
Earn 10 yuu points per dollar with participating merchants
-
Earn 1 yuu point per dollar with non-yuu merchants
-
Participating yuu merchants include Mandai Wildlife Reserve, Cold Storage, foodpanda, Toast Box, gojek and more
Annual interest rates & fees
-
Annual principal fee: S$196.20 (inclusive of GST)
-
Supplementary annual fee: S$98.10
-
Fee waiver: Waived for 1 year
-
Annual interest rate: 27.8% p.a.
-
Late payment fees: S$100
-
Minimum monthly repayment: 3% of your statement balance or S$50, whichever is higher, plus any overdue sums
Minimum income requirement
-
Monthly spend required: S$600
-
Singapore Citizen/PR minimum income: S$30,000 (55 years old and under), S$15,000 (56 years old and above)
-
Foreigner minimum income: S$45,000
-
Minimum age: 21 years old
Limitations
-
Exclusions on eligible spend include payments to financial institutions, religious organisations, fines and more
-
Mobile wallet transactions are also not applicable for earning rewards
-
Shopping at non-yuu merchants will only net you 1 yuu point per dollar spend
DBS Altitude American Express Card
Key features
-
Earn up to 2.2 miles per dollar on overseas spend
-
Earn up to 1.3 miles per dollar on local spend
-
Miles and DBS Points earned never expire
-
14% fuel savings at Esso stations islandwide
Annual interest rates & fees
-
Annual principal fee: S$196.20
-
Supplementary annual fee: S$98.10
-
Fee waiver: Waived for 1 year
-
Annual interest rate: 27.8% p.a.
-
Late payment fees: S$100
-
Minimum monthly repayment: 3% of your statement balance or S$50, whichever is higher, plus any overdue sums
Minimum income requirement
-
Monthly spend required: None
-
Singapore Citizen/PR minimum income: S$30,000 (55 years old and under), S$15,000 (56 years old and above)
-
Foreigner minimum income: S$45,000
-
Minimum age: 21 years old
Limitations
-
Annual fees waiver upon meeting a minimum annual retail spend of S$25,000 will be waived from 1 August 2026
-
You will incur an administration fee of S$27.25 each time you convert your DBS Points to air miles
DBS Live Fresh Card
Key features
-
3.25% cashback on overseas POS transactions in select countries in Asia, resulting in Zero FX fees
-
5.7% cashback on shopping spend
-
5.7% cashback on transport spend (inclusive of public transport, ride-hailing services and taxis)
-
0.3% unlimited cashback on all other spend
-
No cashback cap on Base Rewards
Annual interest rates & fees
-
Annual principal fee: S$196.20
-
Supplementary annual fee: S$98.10
-
Fee waiver: 1st year waived
-
Annual interest rate: 27.8% p.a
-
Late payment fees: S$100
-
Minimum monthly repayment: 3% of your statement balance or S$50, whichever is higher, plus any overdue sums
Minimum income requirement
-
Monthly spend required: S$800
-
Singapore Citizen/PR minimum income: S$30,000 (55 years old and under), S$15,000 (56 years old and above)
-
Foreigner minimum income: S$45,000
-
Minimum age: 21 years old
Limitations
-
You need to spend least S$800 per calendar month to unlock higher earn rates
-
This will allow you to earn 5.7% cashback on shopping and transport spend (capped at S$50 and S$20 per month)
-
Exclusions on eligible spend include payments to financial institutions, religious organisations, fines and more
DBS Altitude Visa Signature Card
Key features
-
Earn up to 2.2 miles per dollar on overseas spend
-
Earn up to 1.3 miles per dollar on local spend
-
Miles and DBS Points earned never expire
-
Get 10,000 bonus miles when you pay your annual credit card fee
-
Complimentary Priority PassTM Digital Membership entitles you to 2 free airport lounge visits per year
-
14% fuel savings at Esso stations islandwide
Annual interest rates and fees
-
Annual principal fee: S$196.20
-
Supplementary annual fee: S$98.10
-
Fee waiver: Waived for 1 year
-
Annual interest rate: 27.8% p.a.
-
Late payment fees: S$100
-
Minimum monthly repayment: 3% of your statement balance or S$50, whichever is higher, plus any overdue sums
Minimum income requirement
-
Monthly spend required: None
-
Singapore Citizen/PR minimum income: S$30,000 (55 years old and under), S$15,000 (56 years old and above)
-
Foreigner minimum income: S$45,000
-
Minimum age: 21 years old
Limitations
-
Annual fees waiver upon meeting a minimum annual retail spend of S$25,000 will be waived from 1 August 2026
-
You will incur an administration fee of S$27.25 each time you convert your DBS Points to air miles
DBS yuu American Express Card
Key features
-
Earn up to 18% cash rebates or 10 miles per dollar with a minimum monthly spend of S$600
-
Get unlimited 5% cash rebates or 2.8 miles per dollar with no minimum spend
-
Knock S$2 off your favourite essentials at Cold Storage, Giant and Guardian
-
Earn 10 yuu points per dollar with participating merchants
-
Earn 1 yuu point per dollar with non-yuu merchants
-
Participating yuu merchants include Mandai Wildlife Reserve, Cold Storage, foodpanda, Toast Box, gojek and more
Annual interest rates & fees
-
Annual principal fee: S$196.20 (inclusive of GST)
-
Supplementary annual fee: S$98.10
-
Fee waiver: N/A
-
Annual interest rate: 27.8% p.a.
-
Late payment fees: S$100
-
Minimum monthly repayment: 3% of your statement balance or S$50, whichever is higher, plus any overdue sums
Minimum income requirement
-
Monthly spend required: S$600
-
Singapore Citizen/PR minimum income: S$30,000 (55 years old and under), S$15,000 (56 years old and above)
-
Foreigner minimum income: S$45,000
-
Minimum age: 21 years old
Limitations
-
Exclusions on eligible spend include payments to financial institutions, religious organisations, fines and more.
-
Mobile wallet transactions are also not applicable for earning rewards
-
Shopping at non-yuu merchants will only net you 1 yuu point per dollar spend
DBS Takashimaya American Express Card
Key features
-
6% voucher rebates at Takashimaya Department Store
-
Earn an additional 10% during select sale events
-
Convert your Takashimaya Bonus Points into digital vouchers on the Takashimaya app
-
2% voucher rebates (2 Points per S$30 spend) when shopping at participating Takashimaya merchants
-
3% cashback at Takashimaya Shanghai
-
5% discount at Takashimaya Siam & Takashimaya Ho Chi Minh
Annual interest rates and fees
-
Annual principal fee: S$196.20
-
Supplementary annual fee: S$98.10
-
Fee waiver: 1st year waived
-
Annual interest rate: 27.8% p.a
-
Late payment fees: S$100
-
Minimum monthly repayment: 3% of your statement balance or S$50, whichever is higher, plus any overdue sums
Minimum income requirement
-
Monthly spend required: None
-
Singapore Citizen/PR minimum income: S$30,000 (55 years old and under), S$15,000 (56 years old and above)
-
Foreigner minimum income: S$45,000
-
Minimum age: 21 years old
Limitations
-
Bonus points are earned in blocks of 10, whereby each member will receive 10 Bonus Points for every S$400
-
Some popular merchants and services are excluded from rewards earning, such as Cold Storage, Food Village, shop repair and dry-cleaning services
-
Rewards not applicable for third-party payment gateways, such as Youtrip and ShopBack
DBS ESSO Card
Key features
-
Up to 26.2% in fuel savings at Esso stations
-
Up to 1.2% Smiles Point savings (based on monthly fuel spend)
-
Convert Smiles Points into free fuel
-
S$10 monthly rebates with S$160 nett spend on fuel
Annual interest rates and fees
-
Annual principal fee: S$196.20
-
Supplementary annual fee: S$98.10
-
Fee waiver: 1st year waived
-
Annual interest rate: 27.8% p.a
-
Late payment fees: S$100
-
Minimum monthly repayment: 3% of your statement balance or S$50, whichever is higher, plus any overdue sums
Minimum income requirement
-
Monthly spend required: S$160 (For S$10 cash rebates)
-
Singapore Citizen/PR minimum income: S$30,000 (55 years old and under), S$15,000 (56 years old and above)
-
Foreigner minimum income: S$45,000
-
Minimum age: 21 years old
Limitations
-
23% fuel savings promotion may run out soon as it was originally slated to end on 30 June 2026
-
Additional savings (Bonus) is limited to one per calendar month during promotional periods
-
Smiles Loyalty Rewards promotion ends 31 December 2026
-
Non-fuel purchases at Esso are not eligible for earning Esso Smile Points
DBS Takashimaya Visa Card
Key features
-
5% voucher rebates at Takashimaya Department Store
-
Earn an additional 10% during select sale events
-
Convert your Takashimaya Bonus Points into digital vouchers on the Takashimaya app
-
5% voucher rebates (2 Points per S$12 spend) at Takashimaya Department Store
-
3% cashback at Takashimaya Shanghai
-
5% discount at Takashimaya Siam & Takashimaya Ho Chi Minh
Annual interest rates and fees
-
Annual principal fee: S$196.20
-
Supplementary annual fee: S$98.10
-
Fee waiver: 1st year waived
-
Annual interest rate: 27.8% p.a
-
Late payment fees: S$100
-
Minimum monthly repayment: 3% of your statement balance or S$50, whichever is higher, plus any overdue sums
Minimum income requirement
-
Monthly spend required: None
-
Singapore Citizen/PR minimum income: S$30,000 (55 years old and under), S$15,000 (56 years old and above)
-
Foreigner minimum income: S$45,000
-
Minimum age: 21 years old
Limitations
-
Bonus points are earned in blocks of 10, whereby each member will receive 10 Bonus Points for every S$400
-
Some popular merchants and services are excluded from rewards earning, such as Cold Storage, Food Village, shop repair services and dry-cleaning services
-
Rewards not applicable for third-party payment gateways, such as Youtrip and ShopBack
DBS Woman's World Card
Key features
-
Get 10X DBS points (4 miles per S$1) on online spend
-
Earn 3X DBS points (1.2 miles per S$1) on overseas spend
-
Collect 1X DBS Points (0.4 miles per S$1) on all other purchases
-
Complimentary e-Commerce protection available for all online purchases
Annual interest rates and fees
-
Annual principal fee: S$196.20
-
Supplementary annual fee: S$98.10
-
Fee waiver: 1st year waived
-
Annual interest rate: 27.8% p.a
-
Late payment fees: S$100
-
Minimum monthly repayment: 3% of your statement balance or S$50, whichever is higher, plus any overdue sums
Minimum income requirement
-
Monthly spend required: None
-
Minimum annual income: S$80,000 p.a.
-
Minimum age: 21 years old
Limitations
-
Monthly cap for online spending was reduced from S$1,500 to S$1,000 in August 2026
-
This means any online spend over the threshold will net you 0.4 mpd instead of 4 mpd
DBS Live Fresh Student Card
Key features
-
Earn 5% cashback on Golden Village, McDonald’s, Netflix, Spotify and Starbucks
-
Get 5% Green Cashback on sustainable eateries, retailers and transport services
-
No minimum income required
-
No minimum spend required
Annual interest rates and fees
-
Annual principal fee: S$196.20
-
Supplementary annual fee: N/A
-
Fee waiver: Waived for 5 years
-
Annual interest rate: 27.8% p.a
-
Late payment fees: S$100
-
Minimum monthly repayment: 3% of your statement balance or S$50, whichever is higher, plus any overdue sums
Minimum income requirement
-
Monthly spend required: None
-
Minimum annual income: None
-
Minimum age: 21 years old (Maximum age 27 years old)
Limitations
-
Cashback is capped at S$15 for eligible spend and sustainable spend
-
Cashback for all other spend is capped at S$20
DBS Vantage Visa Infinite Card
Key features
-
Choose between 2.2 miles or 2.2% cashback on overseas spend
-
Switch between 1.5 miles or 1.5% cashback on local spend
-
Enjoy 10 complimentary visits to over 1,700 airport lounges worldwide per year
-
2 free nights' stay at participating Accor hotels, resorts and apartments across Asia Pacific from 1 October 2026
-
19% savings on Synergy Supreme+ at Esso stations
-
18% savings on all other Synergy fuel purchases at Esso stations
Annual interest rates and fees
-
Annual principal fee: S$599.50
-
Supplementary annual fee: Free
-
Fee waiver: Waive your fee from Year 2 with at least S$60,000 charged to your card
-
Annual interest rate: 27.8% p.a
-
Late payment fees: S$100
-
Minimum monthly repayment: 3% of your statement balance or S$50, whichever is higher, plus any overdue sums
Minimum income requirement
-
Monthly spend required: None
-
Minimum annual income: S$120,000
-
Minimum age: 21 years old (Maximum age 75 years old)
Limitations
-
Annual fee waiver with S$60,000 retail spend will be ceased on 1 August 2026
-
Dine-in deals at Accor restaurants will be lowered from 50% to 30% on 1 October 2026
DBS Woman's Card
Key features
-
Earn 5X DBS points (2 miles per S$1) on online purchases
-
Get 1X DBS points on all other spend
-
Enjoy complimentary e-commerce protection for all online purchases
Annual interest rates and fees
-
Annual principal fee: S$163.50
-
Supplementary annual fee: S$81.75
-
Fee waiver: Waived for 1 year
-
Annual interest rate: 27.8% p.a
-
Late payment fees: S$100
-
Minimum monthly repayment: 3% of your statement balance or S$50, whichever is higher, plus any overdue sums
Minimum income requirement
-
Monthly spend required: None
-
Singapore Citizen/PR minimum income: S$30,000 (55 years old and under), S$15,000 (56 years old and above)
-
Foreigner minimum income: S$45,000
-
Minimum age: 21 years old
Limitations
-
4X DBS Points earning are capped at S$1,000
-
Payments to educational institutions, legal fees and crypto transactions are not eligible for earning DBS Points
Top DBS Credit Cards by Category
Best for Everyday Groceries & Retail: DBS yuu Visa / Amex Card
If there is one card you need for daily Singaporean life, it is the DBS yuu Card.
-
The Perks: Earn an unbeatable up to 18% cash rebate (36X yuu Points) at massive participating merchants, including Cold Storage, Giant, Singtel, Gojek, and Foodpanda.
-
Why you need it: It is the ultimate inflation-buster. No other card gives you this high of a return on your basic daily necessities.
Best for Flexible Travel Miles: DBS Altitude Visa / Amex Card
The perfect companion for the revenge-travel season.
-
The Perks: Earn up to 2.2 miles per S$1 (mpd) on overseas purchases (in foreign currency) and 1.3 mpd on local spend. The biggest draw? Your DBS Points/miles never expire, so you can accumulate them at your own pace.
-
Why you need it: Ideal for travellers who want a fuss-free miles card without the pressure of an expiration date.
Best for Heartlander Essentials: POSB Everyday Card
The quintessential family card that rewards you for paying the bills.
-
The Perks: Enjoy up to 10% cash rebates on food delivery (Foodpanda, Deliveroo), up to 7% at Sheng Siong, and up to 3% on SP Group utility bills.
-
Why you need it: If your household shops at Sheng Siong and relies on food delivery, this card covers your bases beautifully.
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"
Currently, new-to-bank customers applying for eligible DBS credit cards via SingSaver's 2026 campaign can unlock Exclusive Rewards. By using the promo code SINGSAVER, applicants can choose gifts like Dyson.
For the highest potential return, the DBS yuu Card is currently the best cashback card in Singapore, offering up to 18% rebates (in the form of 36X yuu points) at major merchants like Cold Storage and Singtel. For utility bills and Sheng Siong shoppers, the POSB Everyday Card is a strong alternative.
Most DBS credit cards, such as the DBS Altitude and DBS yuu, come with a first-year annual fee waiver. For subsequent years, you can easily request a fee waiver via the DBS digibot on the DBS website or through the DBS digibank mobile app. Type "Fee Waiver" into the digibot and follow the automated steps.
When you click "Apply Now" through the SingSaver website, you will be redirected to the official DBS application page. Look for the "Promo Code" field during the personal details section of the application and enter SINGSAVER to ensure you qualify for the exclusive Tier 1 gifts before submitting your SingSaver rewards form.
Credit card application resources
Looking for a credit card that suits your needs? Check out these helpful guides: