The annual fee is waived for one year. Charge a minimum of S$25,000 to get an annual fee waiver on your card for the subsequent years.
Get 10 DBS Point for local online purchases. 1 DBS Point will be credited to your account on the next working day of the date on which the transaction is posted, while the remaining 9 DBS Points will be posted on the 16th day of the next calendar month (if it’s a holiday, points will be awarded on the next working day).
Get 10 DBS Points for eligible overseas online purchases. 3 DBS Points will be credited on the day after the transaction is recorded while the remaining 7 DBS Points will be posted on the 16th day of the next calendar month (if it’s a holiday, points will be awarded on the next business day).
Additional points will be awarded on eligible local and overseas online purchases only for the initial S$2,000 spent each month. Thereafter, points will be awarded at the regular rate.
3 DBS Points will be awarded for eligible overseas transactions on the next working day of the date on which the transaction is recorded.
Let Us Illustrate:
To table below shows the points and the equivalent miles earned per spend category for a sample monthly spend of S$2,100:
Other retail spends
Redeem Earned Reward Points
Redeem your DBS Points in one of the following ways:
Reward vouchers: The redemption rate depends on the value of the item.
Instant redemption: Redeem your points instantly at online partner merchants.
Frequent Flyer Programmes: Exchange 1 DBS Point for 2 air miles with DBS’s Frequent Flyer Programme. Points can be exchanged for:
Singapore Airlines Krisflyer Miles
AirAsia BIG Points
Convert your points to miles in any one of the following ways:
By filling up and submitting the respective redemption forms.
Type of Interest
Instalment Payment Plan
Fees & Charges
Type of charge
Overseas Transaction Fee
Late Payment Fee
S$100 for outstanding balance above S$50.01
Cash Advance Fee
6% per transaction or S$15 (whichever is greater)
Supplementary Card Fee
S$80.25 (fee waived for 1 year)
Activating the Card for Overseas Use
Yes, the magnetic stripe of your card has to be activated if you want to charge overseas retail transactions to your card.
It can be activated through one of the following channels:
Any DBS/POSB ATM.
Instalment Payment Plans Are Available
The instalment payment plans available with this card are:
Split purchases of S$500 or more, at selected stores, into affordable monthly instalments.
Spread your payment over 3 months, 6 months, 1 year, 18 months, or 2 years.
A one-time processing fee will be charged.
My Preferred Payment Plan (MP3):
Split purchases of S$500 or more, at any store, into monthly instalments.
Up to 10 transactions can be clubbed under a single plan.
The tenures available are 3 months, 6 months, 12 months, 18 months, and 24 months.
The processing fee and the effective interest rate for different tenures are mentioned in the table below:
Effective rate of interest (p.a.)
Cash Withdrawn on Credit Card
Withdraw cash from DBS/POSB ATMs with your card to meet your additional cash needs.
No more than S$3,000 can be withdrawn from ATMs per day.
You can withdraw cash via one of the following channels:
DBS or POSB branch
ATMs and banks showing Mastercard logo outside Singapore
Before applying for this card, check the eligibility parameters on this page. This will help ensure that your application does not get rejected.
Notify DBS immediately as soon as you detect the incident.
Lodge a formal police complaint and submit a copy of the same to the bank.
Write a letter to the bank confirming and detailing the incident, if required.
Your liability for unauthorised transactions on your card will be limited to S$100, provided:
You weren’t found to be complicit in the fraud.
You weren’t found to be grossly negligent in the handling of your card.
You have complied with the bank’s regulations and have cooperated with the bank during its investigation into the matter.
More information on cards will help customers choose the right card for themselves. On Bankbazaar, you will find everything you need starting from card features to the promotions, and eligibility criteria to the process of applying for a card.
How to Enable/Disable Auto Debit & Standing Instructions
Log into internet banking or the digibank App to set up GIRO.
Once approved, your payments will be deducted and will reflect in your card account on the second working day from the day from the payment due date.
Cancel this facility through the digibank App or a Video Teller Machine (VTM).
How to Apply for the Card & Check the Application Status
Apply Online and Follow Up Through Phone Banking
To apply, you can:
Log in to your iBanking account.
With your DBS card and PIN.
Fill up the online application form, upload the scanned documents, and click on ‘Submit”.
You can track your application status through phone banking. You can apply online for a phone banking account.
How to Check Balance
Through SMS or Phone Banking/Digibank/iBanking
You can check your current balance with:
How Can the Bill Be Paid
Through GIRO/ATMs/VTMs/SMS Banking/Digibank/iBanking/Cheque
You can pay your bills through any of the following ways:
POSB/DBS ATM machines.
Video teller machines.
How Much is the Minimum Payment to Be Made on the Card
3% of the Outstanding Balance or Min S$50
The minimum amount you need to pay every month is 3% of the outstanding balance plus any balance from your previous billing cycles or S$50, whichever is higher. You are also liable to pay the amount exceeding your credit limit.
What Is the Grace Period
The interest-free period you can enjoy is 20 days from the date of your statement account. This grace period is provided only if you have paid outstanding bills in full.
Which Mobile Wallets Can This Card Be Used With
Google Pay/Samsung Pay/Apple Pay
Your credit card can be linked with the following mobile wallets:
Can It Be Used With EZ-Link
Your card can be used to top-up your EZ-Link card.
Simply go to a DBS/POSB ATM and use your credit card to make the payment.
How to Block or Unblock the Card
Online Through Card and PIN/Call Customer Service Hotline
In case of loss or theft of card, you can block your credit card online by using your card number and PIN.
Alternatively, you can choose to call the customer service helpline to block or unblock your card.
How to Reset the PIN
Through Online Form/iBanking/Digibank/VTMs
You can reset your credit card PIN through:
Submitting an online form.
Video teller machines.
What Is the Billing Cycle and Bill Due Date
1 Month (Can Start on Any Date)
The billing cycle will be different for different customers. You billing cycle can commence from the date your card was approved or on a monthly basis. The due date is the date by which you must pay the outstanding balance. This date will be mentioned in your statement.
How to Get a Replacement Card
Online Through Card and PIN/iBanking/Contact the Bank
To apply for a card replacement, you can:
Sign-in to your iBanking account.
Use your credit card details and PIN.
How to Temporarily Increase the Limit of Your Card
You can request for a temporary increase in your credit limit either through an online form or your iBanking account. This service is available only under special circumstances like travel and wedding arrangements and hospitalisation, among others.
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