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    DBS Takashimaya American Express Card for In-store Rebates: Review

    150-voucher

    The Takashimaya Visa Card from DBS is a co-branded credit card that rewards you with bonus points on shopping at Takashimaya Department Stores and Takashimaya Square, B2. Get 5% voucher rebates on using this card to shop at the stores. The card is also available with American Express and both offer promotional deals on merchandise at Takashimaya Department Stores.

    Highlights:

    • Exchange Takashimaya Bonus Points for gift vouchers.
    • Get exclusive parking privileges.
    • Get an extra discount of 10% during in-store sales.
    • Enjoy a discount at Takashimaya Japan.

    Best suited to: Families who shop at Takashimaya Department Stores regularly.

    Key Features and Benefits of This Reward Card

    Feature Description
    Annual fee S$192.60 (first-year fee waived)
    Reward points on retail purchases 2 Takashimaya Bonus Points per S$12
    Reward points on out-of-store expenses 0.5% voucher rebates
    Complimentary travel insurance Not available

    Any Other Benefits?

    • 5% voucher rebates for every S$12 spent at the store.
    • Extra discount of 10% during in-store sale period.
    • CashCard top-up of S$6 for parking if you spend at least S$250 at the store.
    • Free delivery of the purchased products on minimum spend of S$200 during the 10% Promotion Day and S$100 on any other day.
    • 5% off at Takashimaya Japan.
    • Make contactless payments through Visa payWave.
    • More than 1,000 dining and shopping deals in Singapore under the DBS Lifestyle Privileges programme.
    • To know about the offers and their expiry dates, please visit our dedicated DBS credit cards promotions page.

    How Can You Earn Rewards?

    If you are a Takashimaya Visa Cardholder, then you will earn 2 bonus points with every S$12 spent on the card.

    Let Us Illustrate:

    Let’s say you have spent S$1,800 in a month at the Takashimaya Store using your Visa Card. According to the programme, you will earn 300 Takashimaya Bonus Points. Hence, the number of bonus points you will earn for each category in this scenario is:

    Spend category Monthly spend Points earned
    Cosmetics and skincare S$240 40
    Tableware and cookware S$480 80
    Fashion and accessories S$360 60
    Luggage S$240 40
    Baby appliances S$480 80
    Total S$1,800 Points earned: 300

    How to Redeem Reward Points?

    Redeem your bonus points by logging onto the bank’s online rewards redemption website or Rewards App. If you have 100 bonus points, redeem them for Takashimaya gift vouchers worth S$30. Exchange all your dining, shopping, entertainment, and other expenditures for voucher rebates, which can be used to offset your next purchase at Takashimaya Stores.

    What is the Interest Rate of This Card?

    Type of interest Charge
    Retail purchases 25.9% p.a.
    Cash advance 28% p.a.
    Instalment Payment Plans 0%

    What Other Charges are Levied?

    Type of charge Charge
    Overseas transaction fee 1.8% on the transaction amount
    Late payment fee S$100
    Cash advance fee 6% on the withdrawn amount or S$15, whichever is more
    Supplementary card fee S$96.30 (waived for the first year)

    Check Eligibility to Apply for this Card

    To know if you are eligible for this card, please visit our dedicated DBS credit cards main page.

    Do I Have to Activate the Card for Overseas Use?

    Yes, it is mandatory to activate all DBS credit cards for overseas use. The purpose of this is to enhance security. You must activate the magnetic stripe on your card before making any overseas transactions. You can use any of the ways below to activate your card:

    • SMS
    • DBS or POSB iBanking
    • DBS or POSB Digibank app
    • You can visit any of the DBS/POSB ATMs in Singapore
    • Call the bank’s 24/7 hotline and speak to an executive

    Please note – You can follow the same steps to deactivate your card once you are back in Singapore.

    What Instalment Plans are Available?

    Split your big-ticket purchases into affordable instalments for up to 24 months at 0% interest and no processing fee with the Instalment Payment Plan (IPP). Use this facility at participating merchant outlets in Singapore. An administrative fee of S$150 will be charged by the bank upon termination of this plan if pay your dues before the tenure ends.

    Alternatively, you can choose My Preferred Payment Plan (MP3) at 0% interest with a low processing fee of up to 6%, depending on the chosen tenure. Choose from the same tenure as IPP and use this facility at any participating outlet in Singapore. Combine up to 10 transactions for each application. However, a minimum S$100 spend in 1 transaction using your credit card is required to apply for this plan.

    How Much Can I Withdraw?

    If you need to withdraw cash immediately, you can use the bank’s cash advance facility. The total amount you can withdraw depends on the available credit limit on your card. There is no minimum amount for cash withdrawal. However, the maximum amount you can withdraw from a DBS/POSB ATM in a day is S$3,000.

    What If My Card is Lost/Stolen?

    In case your credit card is stolen, lost or misused, you need to notify the bank immediately. You must also file a police complaint by writing a letter confirming the theft, loss or misuse of the credit card. The liability amount you need to pay to the bank in case of any illegal use of your card is limited to S$100 if it is proven that the loss/theft/misuse was not due to your negligence.

    Visit our site and learn about ongoing promotions if you want to make the most of the latest credit card offers. You will need to apply for these cards within the validity period.

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