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The DBS NUSS Visa Card is offered in association with the National University of Singapore Society (NUSS), with the aim of providing cardmembers a distinct lifestyle experience. The card earns you 2 DBS Rewards Points every time you spend S$5 at NUSS food & beverage outlets. Furthermore, if you’re a NUSS member, you get exclusive golfing privileges, fitness privileges, discounted facial and body treatments, complimentary access to airport lounges, and more.
The key features of this card are:
Best suited to: Those who have a NUSS membership.
|Annual Fee||S$192.60 (annual fee is waived if you have a membership with NUSS)|
|Rewards points at NUSS Food & Beverage outlets||2 DBS Rewards Points for every S$5 spent|
|Rewards points on all other spends||1 DBS Rewards Point for every S$5 spent|
|Complimentary travel insurance||Not available|
This card earns you DBS Rewards Points on almost all purchases. You can earn 1 DBS Rewards Point for every S$5 spent through your card at outlets throughout the city. On the other hand, when you spend at NUSS Food & Beverage outlets, you can earn 2 DBS Rewards Points instead of one. The points will be awarded to both primary and supplementary cardholders
Say you’re a NUSS member and your monthly spend is similar to the numbers in the table below. Let’s see how you would accumulate points and what you can do with it:
|Spend category||Monthly spend||Points Earned||KrisFlyerEquivalent Miles||Asia Equivalent Miles||AirAsia Big Equivalent Miles|
|KrisFlyer Miles||Asia Miles||AirAsia BIG Points|
|NUSS Food & Beverage outlets (2 Rewards Points for every S$5 spent)||S$1,000||400 Rewards Points||800 KrisFlyer Miles||800 Asia Miles||1,200 BIG Points|
|All other spends (1 Rewards Point for every S$5 spent)||S$2,000||400 Rewards Points||800 KrisFlyer Miles||800 Asia Miles||1,200 BIG Points|
|Total||S$3,000||800||1,600 KrisFlyer Miles||1,600 Asia Miles||2,400 BIG Points|
Note: The numbers showing monthly spends in the table above have been only taken for illustrative purposes, and will vary depending on how each cardholder spends in a month.
Visit the webpage rewards.dbs.com to redeem your Rewards Points and check the various rewards offered. The options available to you are:
|Type of Interests||Charge|
|Retail Purchases||25.90% p.a., subject to a minimum fee of S$2.50|
|Cash Advance||28% p.a., subject to a minimum fee of S$2.50|
|Instalment Payment Plan||0%|
|Type of Charges||Charge|
|Overseas Transaction Fee||2.8% per transaction, comprising 1% conversion factor charged by Visa and 1.8% administrative fee charged by DBS|
|Late Payment Fee||S$100, if the outstanding sum is greater than S$50|
|Cash Advance Fee||6% of the amount withdrawn in each transaction, subject to a minimum charge of S$15|
|Supplementary Card Fee||S$96.30 (annual fee is waived if you have a membership with NUSS)|
It is mandatory that you activate the magnetic stripe on your credit card before using it overseas. This is because some countries outside Singapore still use the magnetic stripe, while in Singapore we’ve moved on to the more secure EMV Chip technology. It’s easier for data to be stolen from magnetic stripes, which is why card issuers keep it in a deactivated state.
To activate the magnetic stripe, you can use any of the following means:
You can either activate with a fixed end date, or without specifying an end date. You should also deactivate it once you return to Singapore, to protect your card account details.
There are two instalment payment plans available on this card – 0% Instalment Payment Plan (IPP) and My Preferred Payment Plan (MP3).
This plan allows you to split your payments over tenures of three months, six months, 1 year, 18 months, and 2 years. You can directly ask for the 0% instalment payment plan at participating merchant outlets. The partnered online and offline stores include Autobann Motors, True Yoga, NUSS, EpiCentre, Club 21, IKEA, NTUC and MSIG Insurance, Chan Brothers Travel, and several jewellery and fashion outlets as well. The transaction amount needs to be S$500 or more to use this facility. If you wish to cancel this plan or close it sooner than the chosen tenure, you will need to pay an admin fee of S$150.
This plan is very similar to the 0% IPP, except that you can convert payments to any merchant – not just the participating ones – under MP3. A maximum of 10 transactions can be converted with this plan at once.
The effective interest rates and the processing fee for each tenure is given in the table below:
|Tenure chosen||Processing fee (% of the transaction amount)||Effective rate of interest (EIR)|
|3 months||3%||18.18% p.a.|
|6 months||3%||10.43% p.a.|
|1 year||5%||9.50% p.a.|
|18 months||6%||7.86% p.a.|
|2 years||6%||5.98% p.a.|
The amount that can be withdrawn will be determined based on the credit limit available on your card. You can withdraw money through internet banking, via DBS or POSB ATMs, from a bank branch, or through phone banking.
The card allows you to get a maximum of S$3,000 each day from DBS/POSB ATMs. There is no limit on how much you can withdraw via any other channel.
If you want to know whether you can match this card’s eligibility requirements, go to this page.
You might encounter a situation where your credit card is lost, stolen, or you notice an unauthorised use on your card. In such cases, the maximum liability will be restricted to S$100, if the usage was not in your control or you knew nothing about it. However, this minimal liability will only be applicable if you intimate the bank as soon as you discover that the card is lost or stolen. Besides, you must ensure that you had no role to play in the loss or theft of the card, and you didn’t act fraudulently.
In case of theft, the bank might need you to submit a police report and other supporting documents. You can get in touch with the bank to report theft or loss of your card by calling their credit card hotline. You can also write to the bank intimating them about the loss or theft.
Wading through numerous bank webpages is a lengthy process and may not help select the right card for you. However, if you visit Bankbazaar, you will get all the important details on the same page.
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How to Enable/Disable Auto Debit & Standing Instructions
By Setting Up GIRO Payments
How to Apply for the Card & Check the Application Status
Apply for NUSS Membership/Apply Online for the Card/Follow Up With the Bank
The procedure to apply for this card is mentioned below:
Step 1: Sign up for NUSS membership at NUSS Guild House Singapore.
Step 2: Complete the application form for DBS NUSS Card. Print the form and sign on it.
Step 3: You can either mail the form to DBS or send it through fax. Do not forget to send all the supporting documents along with your form.
The new applications will require 7 working days for processing.
How to Check Balance
Through iBanking/Phone Banking/Digibank/SMS Banking
In order to check your outstanding credit card balance, you can use the following ways:
How Can the Bill Be Paid?
Through iBanking/VTMs/SMS Banking/Digibank/AXS/ATMs/GIRO/Cheque
There are various modes of bill payment, namely:
How Much Is the Minimum Payment to Be Made on the Card?
3% of the Outstanding Balance or Min S$50
You are expected to pay a minimum of 3% of the outstanding bill amount or S$50, whichever is higher. Apart from this, you will also be liable to pay any amount that you have used exceeding your credit limit.
What Is the Grace Period?
You will get interest-free days of 20 days from the date of the statement.
Which Mobile Wallets Can This Card Be Used With?
Apple Pay/Google Pay/Samsung Pay
Below are the mobile wallets that can be used with DBS credit cards:
Can It Be Used With EZ-Link?
You can top up your credit card with EZ-Link function through DBS or POSB ATMs. The process is as follows:
How to Block or Unblock the Card
You must visit DBS’s ‘Cards Digital Services Page’ to block your card. Alternatively, you can also talk to DBS Bank’s Customer Service Centre.
How to Reset the PIN
Through Internet Banking/VTMs/Digibank/Card and PIN
You can instantly reset your credit card’s PIN via:
What Is the Billing Cycle and the Bill Due Date?
1 Month (Can Start on Any Date)
Your billing cycle and bill due date are mentioned in your monthly bill statement. The minimum payment is due on the 20th day from the card statement generation. The full payment is due on the generation of the next statement.
How to Get a Replacement Card
Visit ‘Cards Digital Services Page’ to replace your card. You can contact DBS Bank’s Customer Service Centre for a replacement card.
How to Temporarily Increase the Limit of the Card?
You can apply for temporarily increasing your credit limit online via Internet Banking. This increase is provided only in case of: