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    POSB Everyday Card

    What do you expect from a perfect cashback credit card? What categories would you like to see rewarded? Every person would give a different answer to these questions. But if an average family-oriented Singaporean is asked these questions, then perhaps the POSB Everyday Card would be the answer.

    Posb Everey Day Card

    This credit card gives you 14% cash rebate on online food orders and overseas dining, 9% cash rebate on weekends and 3% on weekdays at restaurants, cafes and fast food outlets, and 5% rebate on other overseas expenses. Though there is an expiry date of 30th September, 2017 for dining rebates and 30th June, 2017 for overseas rebates, the bank is likely to extend the offer for a few more months.

    You can also save up to 20.1% on fuel purchases at SPC petrol stations, 5% cash rebate on Sheng Siong grocery purchases, 3% cashback on personal care payments at Watsons, 1% cash rebate on repeated payments of StarHub and SP Services bills, and 0.3% cash rebate on all other transactions done through the POSB Everyday Card. The terms and conditions on cashback limits and minimum monthly spends differ among categories so be sure to read the card agreement carefully.

    The rebates have no expiry date, and can be used to pay for purchases at 400-plus partner outlets. You can also exchange the credited cash rebates to pay for Comfort or CityCab taxi rides or the credit card bills. There are several other cash rebates available at selected merchants.

    POSB Credit Card Promotion 2017

    Enjoy up to 14% cash rebate on dining spend using your POSB Everyday Card. Listed below are some exciting promotional offers offered by POSB for its credit cardholders:

    • Get 10% off on ala carte food menu for dine-in at Oven Fried Chicken. This promotional offer is valid until June 30th, 2017.
    • Get 50% off on your 2nd Diner Weekday Lunch at Suki-Ya by Creative Eateries using your POSB Everyday Card. This promotional offer is valid until June 30th, 2017.
    • Enjoy 1-for-1 Peranakan lunch and dinner buffet (dine-in only) at Sun's Cafe in Hotel Grand Pacific Singapore. This promotional offer is valid until December 31st, 2017.
    • Get 10% off on ala carte menu and enjoy 1-for-1 main course at Dallas using your POSB Everyday Card. Get special discount for family and friends rate. This promotional offer is valid until June 30th, 2017.
    • Enjoy 1-for-1 buffet dinner at Cafe Mosaic using your POSB Everyday Card. This promotional offer is valid until June 30th, 2017.
    • Get additional 3% off for 2 pax cruise fare on all sailings at Cruise 1st using your POSB Everyday Card. This promotional offer is valid until December 31st, 2017.
    • Rent Mercedes E Class, Audi A6, 7-Seaters MPV for S$50 and Audi A3 Sedan for S$32 at Wolero. This promotional offer is valid until July 31st, 2017.
    • For this June school holidays, Visit Perth, Brisbane, Sydney, Melbourne, and Hong Kong with exclusive fare starting as low as S$199. This promotional offer is valid until May 31st, 2017.
    • Get up to S$100 cashback by applying online for POSB Everyday Card within June, 30th, 2017.

    Why should you apply for POSB Credit Card?

    POSB Everyday Card is a one of its kind credit card, designed to help the cardholder save money. It offers excellent cash rebates on everyday spend from petrol and dining to travel and groceries. Following are the reasons why you should apply for POSB Credit Card:

    • Link the POSB Everyday Card to your savings account and use it as an ATM card for cash withdrawal.
    • Get up to 14% cash rebates on dining, petrol, essentials, groceries, and travel purchases at over 400 participating partner outlets. Your cash rebates doesn’t have an expiry date.
    • Offset your credit card bills with the daily cashbacks.
    • Get cash rebates for paying your utility bills at SP Services.
    • Pay your bills automatically each month using the Recurring Bill Payment feature.
    • Convert retail purchases into easy installment plans at 0% interest with a low processing fee over a period of 3, 6, 12, 18, and 24 months.
    • Top-up your POSB credit card and use it as an E-Z link card.
    • POSB Everyday MasterCard credit cardholders can use the 'Tap and go with MasterCard Contactless' feature to pay up to S$100 without using their signature for verification.

    POSB Everyday Credit Card Signup Offers:

    Get up to S$100 cashback by applying online for POSB Everyday Card before June 30th, 2017. New customers will get up to S$100 cashback while existing customers will get up to S$70 cashback. Spend a minimum of S$500 using your credit card within the 1st month of getting the credit card to receive up to S$100 cashback.

    POSB Everyday Credit Card Eligibility

    To apply for POSB Everyday Card, applicants have to meet certain age and income criteria.

    Eligibility criteria for Singaporeans:

    • Principal cardholder must be minimum 21 years old and supplementary cardholder must be minimum 18 years old.
    • The minimum annual income requirement of a Singaporean is S$30,000.

    Eligibility criteria for foreigners:

    • Principal cardholder must be minimum 21 years old and supplementary cardholder must be minimum 18 years old.
    • The minimum annual income requirement for a foreigner is S$45,000.

    Features and benefits of POSB Everyday Credit Card

    Listed below are the features and benefits of POSB Everyday Card:

    • Exclusive cashback offers: Enjoy up to 14% cash rebate on dining, up to 20.1% on petrol, 5% on grocery spend at Sheng Siong, 3% at Watsons, 1% at SP Services and StarHub, and 0.3% on all other spend.
    • Redeem My Rebates: You can redeem your cash rebates using iBanking or instant redemption at over 400 participating partner outlets including SP Services, Watsons, StarHub, and SPC.
    • Recurring Bill Payment: Consolidate all your bill payments in one card, earn cashback offers when paying bills with POSB Everyday Card, and get discounts on purchases made at over 400 participating partner outlets.
    • Flexible Payment Plan: Cardholders can convert any retail items into easy installment payment plans wherein they can enjoy 0% interest payments with a low processing fee over a period of 3, 6, 12, 18, and 24 months.
    • Supplementary card: Principal cardholder can apply for supplementary cards to share the rewards, dining and shopping privileges, and flexible payment plans with their loved ones. The reward points earned by the supplementary cardholder will be accumulated in the principal card and can be redeemed only by the principal cardholder. To apply for supplementary card, you can visit the POSB Bank website to download the application form.
    • Annual fee: Annual fee is waived for the 1 year for the principal and supplementary card. Annual fee for principal card is S$128.40 and S$64.20, respectively.

    POSB Everyday Card Fees and Charges

    Listed below are the various fees and charges applicable for POSB Everyday Card:

    Annual fee

    Principal card: S$128.40

    Supplementary card: S$64.20

    Minimum monthly payment S$50 or 3% of the outstanding amount, whichever is higher
    Finance charge

    For cash advance: 28% p.a.

    For card transaction: 25.9% p.a.

    Interest-free period 20 days from the monthly statement due date
    Interest adjustment Additional 3% p.a. will be added to your existing credit card interest rate if you fail to make the minimum monthly payment on the due date
    Cash advance fee S$15 or 6% of the transaction amount, whichever is higher
    Late payment charge For outstanding balance above S$50: S$80 (the late payment charge per account will be S$100 from May, 2017)
    Singapore Dollar transactions outside Singapore Administrative fee of 1% will be charged by MasterCard or Visa on the converted Singapore Dollar amount
    Foreign currency conversion fee 1% conversion fee and up to 2% administrative fee depending on whether it is Visa, MasterCard or American Express.
    Replacement card fee S$100
    Administrative fee S$150
    Overlimit fee S$40
    Retrieval fee Monthly statement or sales draft: S$5.35 per copy
    Processing fee

    Dishonoured cheque: S$20

    Returned GIRO: S$30

    How to apply for POSB Eveyday Credit Card?

    New customers can visit the POSB Bank website to fill up the online application form to apply for POSB Everyday Card. Existing customers can apply for POSB credit card via iBanking or using their existing DBS or POSB credit card number and PIN. The relevant ID, age and income proof documents have to be submitted along with the application form. A POSB Bank customer care representative will follow up with the application process.

    How do you maximize your rebate with POSB Everyday Card?

    With POSB Everyday Card, cardholders get exclusive cash rebates on the following:

    Spend Cash rebate percentage
    Dining Up to 14%
    Petrol Up to 20.1% at SPC
    Groceries 5% at Sheng Siong
    Health, personal care, and beauty 3% at Watsons
    Utilities and phone bills 1% at SP Services and 1% at StarHub
    Others 0.3%

    How to view and redeem POSB Credit Card rewards and cashbacks?

    Cardholders can check their DBS Points through any of the following channels:

    • iBanking
    • Monthly statement
    • DBS Lifestyle App

    DBS points can be redeemed via:

    • DBS Rewards Site
    • DBS Lifestyle App
    • iBanking

    Daily cash rebates can be redeemed in 2 ways via iBanking:

    • Instant redemption: Cardholders can offset their purchases at more than 400 participating partner outlets including Watsons, StarHub, SPC, Pet Lovers Centre, and SP Services.
    • Online redemption: Cardholders can Offset their credit card bills or use the cash rebates to redeem CityCab and Comfort taxi vouchers.

    POSB Credit Card Hotline

    To report lost or stolen credit cards, call the bank at 1800 339 6963 for domestic calls and +65 6339 6963 for overseas calls. For any queries, suggestions, complaints or feedbacks, cardholders can contact the 24-hour POSB hotline numbers:

    • Singapore calls: 1800 111 1111
    • Overseas calls: +65 6327 2265

    Or, visit the POSB Bank website to submit your enquiries, feedback, suggestions or complaints by filling up an online form.

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