Best DBS Credit Cards in Singapore 2025

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 2025

• Additional savings (Bonus) is limited to one per calendar month during promotional periods

• Smiles Loyalty Rewards promotion ends 31 December 2025

• 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 2025

• 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 2025

• 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

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.

1. Start your application on SingSaver

2. Submit required documents (if needed)

3. Receive and activate your card

4. Redeem your SingSaver rewards (if applicable)

Looking for a credit card that suits your needs? Check out these helpful guides:

• Best air miles credit cards

• Best travel credit cards

• Best rewards cards

• Best groceries credit cards

• Best dining credit cards

• Best cash back credit cards