Shopping becomes a whole new experience with the DBS Black Visa Card. It gives you 3x DBS Points for every S$5 you spend through Visa payWave transactions in the country. For all other transactions, you can earn 1x DBS Points for every 5 dollars spent on the card. Apart from this, the My Preferred Payment Plan facility helps you shop now and pay for your purchases at a later date. You also get the option of converting your larger purchases into smaller amounts and paying them in instalments over periods of up to 12 months. Now you can shop with more freedom knowing that you have the financial flexibility to pay smaller amounts every month. This card also gives you access to some of the best deals on fashion shopping and dining courtesy of DBS Lifestyle. You can earn 1x DBS Points for such spends.
|Reward points on transactions at local payWave POS terminals||3 DBS Points per S$5|
|Reward points on all other purchases||1 DBS Points per S$5|
Let us assume that you’re spending S$1,200 on your card every month. Of this, you’re charging S$700 to your card at Visa payWave terminals in Singapore and you’re spending S$500 on all other purchases.
|Categories||Monthly Spend||DBS Points Earned||Equivalent Miles|
|Local Visa payWave purchases||S$700||420||840 KrisFlyer/Asia Miles or 1,260 BIG points.|
|All other purchases||S$500||100||200 KrisFlyer/Asia Miles or 300 AirAsia BIG points.|
|Total||S$1,200||520||1,040 KrisFlyer/Asia Miles or 1,560 BIG points.|
Note: These numbers are for illustrative purposes only. The bank reserves the right to make changes to rewards programmes, conversion rates, and terms and conditions at its sole discretion and without prior intimation.
Once you redeem your points, you can expect to receive your vouchers within seven working days. The DBS Points earned on your card will expire if you don’t use them within one year from the quarterly period in which they were earned.
You can convert your DBS Points to KrisFlyer/Asia Miles at the rate of one DBS Points for two miles. You can convert your accumulated points to miles only in blocks of 10,000 miles.
One DBS point is, however, equal to three AirAsia BIG points. Conversions are accepted in blocks of 1,500 BIG points.
|Type of Interest||Charge|
|Retail purchases||25.9% p.a., subject to a minimum charge of S$2.5.|
|Cash advance||28% p.a., subject to a minimum charge of S$2.5.|
|Instalment payment plan||0%|
|Type of Charge||Charge|
|Annual fee||S$192.6 (Waived for the first year)|
|Overseas transaction fee||
|Late payment fee||S$100 on an outstanding balance that exceeds S$50.|
|Over limit fee||S$40.|
|Cash advance fee||6% of the amount withdrawn, subject to a minimum charge of S$15.|
|Supplementary card fee||S$96.3|
You can enable your card for overseas use by:
The My Preferred Payment Plan is an interest-free instalment plan which you get with this card.
You can choose any one of the 3-, 6- and 12-month tenures available with this card. You’ll have to spend a minimum of S$100 in a single transaction on qualifying spend to be eligible for this plan. Plans beyond 12 months would attract interest rates.
You can combine up to 10 transactions for enjoying the benefits of this plan. If you conduct a transaction in foreign currencies, the amount will be converted to Singapore dollars at the prevailing rate determined by DBS before being considered and processed under the plan.
If you opt for early redemption, an administrative charge of S$150 will be levied by the bank.
The withdrawal limit on your card is linked to your credit availability. The daily cash withdrawal limit from a DBS or POSB ATM is S$3,000 by default. There is no restriction on the minimum amount that can be withdrawn.
To find out if you are eligible for this card, take a look at the page that lists the eligibility criteria.
If your card is lost or stolen, you need to inform the bank as soon as possible. This can be done online or by calling the bank’s helpline numbers. Once reported, the bank will not hold you liable for any fraudulent transactions that are made on the card.
Bank websites have a comparison chart showing the features of various credit cards they offer. However, to know which one is the best among all available credit cards in a particular category, you can go to the credit card comparison page on our website.
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How to Enable/Disable Auto Debit & Standing Instructions
Through iBanking/Recurring Payment Form
To disable this facility, contact the merchant directly.
How to Apply for the Card & Check the Application Status
Through iBanking/Card & PIN/Online and Follow Up With the Bank
You can apply for this credit card in the following ways:
To track the application status, log into your iBanking account or phone banking account.
How to Check Balance
Through iBanking/Digibank/SMS/Phone Banking
Check your credit card balance any of the following channels:
How Can the Bill Be Paid?
You can pay bills through either of the following methods:
How Much Is the Minimum Payment to Be Made on the Card?
3% of the Outstanding Balance or Min S$50
The minimum amount due every month is the higher of 3% of the outstanding balance or S$50. In addition, you are liable to pay any amount overdue or any amount exceeding your available credit limit.
What Is the Grace Period?
The interest-free period on the DBS Black Visa Card is 20 days before the next statement gets generated.
Which Mobile Wallets Can This Be Used With?
Apple Pay/Google Pay/Samsung Pay
You can link your credit card to Apple Pay, Google Pay, and Samsung Pay.
Can It Be Used With EZ-Link?
Yes, your DBS Black Visa Card can be linked with EZ-Link transactions. However, you will not earn any reward points on such transactions.
How to Block or Unblock the Card
Online/Call Customer Service
You can block your credit card on the bank’s website or by calling the 24-hour customer service hotline.
You can follow the same process to unblock your card.
How to Reset the PIN
Through Online Form/VTM/iBanking/Digibank
Reset your PIN through any of the methods below:
What Is the Billing Cycle and the Bill Due Date?
20 Calendar Days for Minimum Due Payment/1 Month for Full Payment (Can Start on Any Day)
Let’s say, your bill was generated on 12 November, then your payment due date will be 22 November. The minimum amount should be paid by this date and the complete amount should be paid on/before 12 December.
How to Get a Replacement Card
You can apply for a card replacement by either calling the customer service centre or leaving your card details with the bank.
How to Temporarily Increase the Limit of the Card
Through iBanking/Online Form
If you want to temporarily increase your credit limit, you can log into your iBanking account or by using the bank’s digital banking services and leaving your details on the website.