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    SAFRA DBS Card for Cash Rebate

    Credit Card Application

    This card offers you a cash rebate of 3% on all online transactions. It also gives you the same rate for all contactless purchases you pay for using it. All other transactions you pay for using this card give you 0.3% cash rebate. You get these rewards if you spend at least S$500 every month on your card. The other benefits available on this card include the Tap and Pay feature by which you can pay for purchases totalling S$100 or less by simply tapping your card at the terminal. This is available at more than 30,000 outlets in the country. This facility can also be used to pay MRT and bus fares, cab rides, carpark charges, and more.

    Key Features

    Features Description
    Cash rebate on Mastercard contactless payments 3%
    Cash rebate on online purchases 3%
    Cash rebate on all other retail spends 0.3%
    Complimentary travel insurance Not available

    Joining Perk

    • Apply online for the card and earn an additional cash rebate of up to 10% on Mastercard contactless and online transactions for the first two months.
    • If your monthly spend is in the range of S$500 to S$1,000, you will earn up to 5% cash rebate, subject to a maximum rebate of SAFRA$50 per month.
    • Any amount spent above S$1,000 in a month will earn you 10% cash rebate, subject to a maximum rebate of SAFRA$80 per month.
    • The SAFRA$ cash rebate will only be awarded on eligible transactions.
    • The promotion ends on 30 June 2018.

    Additional Benefits

    • In addition to the cash rebate, you will earn SAFRAPOINTS when you make transactions at participating outlets. You will get 1 SAFRAPOINT for every S$1 spent, with the flexibility to redeem your points for products, services, and vouchers.
    • Make contactless payments for your MRT/LRT and public bus rides, without needing any top up. This is possible through the Mastercard Tap-and-Go feature.
    • Tap the card to pay for your Comfort and CityCab rides, ERP gantry, and car parking.
    • Also pay your income tax through the card at 0% interest rate and a low processing fee.

    Exclusive promotional discounts and deals at over 3,000 participating merchants, from both DBS and SAFRA.

    Earn Rewards

    • With this card, you can earn 3% SAFRA$ cash rebate on online transactions and on Mastercard contactless transactions, and 0.3% on all other retail transactions.
    • You must spend at least S$500 in a month to earn the rewards.
    • The total cash rebate you can earn in a month is capped at SAFRA$50. SAFRA$1 is equivalent to S$1.
    • The cash rebate earned with this card will be credited within 30 days of the calendar month in which the transaction was made.
    • SAFRA$ cash rebate expires in 12 months, starting from the date you earned it.

    Calculate Cash Rebate from SAFRA DBS Card

    Take a look at the example below to understand how you can earn rewards with this card.

    Spend Category/Cash Rebate Monthly spend Cash Rebate Rate Cash rebate earned (in SAFRA$)
    Groceries (contactless transaction) S$200 3% 6
    Online flight tickets S$500 3% 15
    Online shopping S$300 3% 9
    Online movie bookings S$200 3% 6
    Other retail spend S$500 0.3% 1.50
    Total S$1,700 Cash rebate earned: SAFRA$37.50 (or S$37.50)

    How to Redeem Cash Rebate?

    There are two ways to redeem your SAFRA$ cash rebate:

    • Instant redemption – You can redeem your rebate to immediately offset your purchases at any of the six SAFRA clubs and participating merchants in Singapore.
    • Online redemption – Through internet banking, you can redeem your rebate for KrisFlyer Miles or to offset your card bill. KrisFlyer Miles can be redeemed in blocks of 10,000 KrisFlyer Miles (equivalent to 245 Loyalty Dollars) and every conversion will be subjected to a fee of S$25.

    SAFRA DBS Card Interest Rate

    Type of Interest Charge
    Retail purchases 25.90% p.a.
    Cash advance 28% p.a.
    Instalment Payment Plan 0%

    SAFRA DBS Card Fees & Charges

    Type of charge Charge
    Annual fee NIL (SAFRA membership fee applies)
    Overseas Transaction Fee 2.8%
    Late Payment Fee S$100 (for outstanding balance of S$50 and above)
    Over-limit fee S$40
    Cash Advance Fee 6% of the amount withdrawn or S$15, whichever amount is higher
    Supplementary Card Fee NIL

    Activating the Card for Overseas Use

    Yes, you have to activate the card’s magnetic stripe for overseas use. This stripe is deactivated to ensure your protection from fraudulent transactions. You can activate the card in any one of the following four ways:

      1. iBanking
      2. SMS banking (may take up to 1 day)
      3. digibank
      4. DBS/POSB ATMs

    Instalment Payment Plans Are Available

    0% Instalment Payment Plan

    • Convert your purchases into interest-free instalments of 3, 6, 12, 18, or 24 months.
    • The plan applies only to the purchases made at participating merchants.
    • You can set up this plan directly with the merchant while making the purchase.

    My Preferred Payment Plan

    • Convert your purchases into interest-free instalments of 3, 6, 12, 18, or 24 months.
    • The plan applies only to the purchases made at participating merchants.
    • You can set up this plan directly with the merchant while making the purchase.

    Cash Withdrawn on Credit Card

    The default limit set for overseas and local cash withdrawal with this card is S$3,000 per day. You can change the withdrawal limit to anywhere between S$500 and S$5,000 using your iBanking account.

    Eligibility Criteria

    To know whether you can apply for the SAFRA DBS Card, check out this page.

    Lost/Stolen Cards

    You must report the incident immediately to the bank. You can notify the bank through your internet banking or by calling their helpline number. In case of any unauthorised use of your card, your liability will be limited to S$100. This is if you are prove to have nothing to do with the loss or theft of the card. If the bank finds you guilty in misuse of the card, it may ask you to pay the full balance or even initiate a lawsuit against you.

    Credit cards are a blessing in disguise. You can buy everything you want with this plastic and earn cashback and reward points in the process. To know more about credit cards, visit our website.
    Credit Card Tips


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    HSBC's Revolution Credit Card HSBC's Revolution Credit Card
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    Amex Rewards Card AMEX Rewards Card
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    What Else Do I Need to Know?

    How to Enable/Disable Auto Debit & Standing Instructions

    Use Digibank or iBanking to set up GIRO
    • DBS digibank can be used for minimum or partial payments while iBanking can be used for full bill payments.
    • Download the GIRO Amendment/Termination Form from the bank’s website to change or suspend your GIRO settings.
    • Use digibank or VTMs (Video Teller Machines) to terminate existing GIRO payments.

    How to Apply for SAFRA Card & Check the Application Status?


    To apply for this card, you must be a member of SAFRA (Singapore Armed Forces Recreation Association). As a SAFRA member, you can hold only one card. If you have applied for/hold a credit card, you cannot hold a debit card or a SAFRA Membership card. In case your application for the SAFRA DBS Card is not accepted, you will get a SAFRA Membership card issued by SAFRA. To apply, log in to your iBanking account, fill the application form and upload the relevant scanned documents and submit the form. You could also apply at a branch in person if you have a SAFRA membership already. You can know the status of your application through Phone Banking.

    How to Check Balance

    SMS/digibank/Phone Banking/iBanking

    You can check your existing balance with:

    • iBanking.
    • Digibank.
    • SMS banking.
    • Phone banking.

    How Can the Bill Be Paid

    iBanking/Digibank/GIRO/ATM and Others

    You can pay your credit card bills in the following ways:

    • Cheque.
    • iBanking.
    • Digibank.
    • SMS banking.
    • AXS machines.
    • Interbank GIRO.
    • Video teller machines.
    • POSB/DBS ATM machines.

    How Much is the Minimum Payment to Be Made on the Card

    3% of the Pending Dues or S$50

    Every month you are expected to pay at least 3% of the pending dues along with any balance from your previous billing cycles or S$50, whichever is higher. You must also pay the sum going beyond your credit limit.

    What Is the Grace Period

    20 Days

    You can enjoy an interest-free period of 20 days from the date of your statement if you have paid the entire sum of the previous bills.

    Which Mobile Wallets Can This Card Be Used With

    PayNow/Samsung Pay/Apple Pay/Google Pay/DBS PayLah/Android Pay

    Your credit card can be linked with the following mobile wallets:

    • PayNow
    • Apple Pay.
    • Google Pay.
    • Android Pay.
    • DBS PayLah!
    • Samsung Pay.

    Can It Be Used With EZ-Link


    Yes, you can use the card at any DBS/POSB ATM to make the EZ-Link payment.

    How to Block or Unblock SAFRA Card


    Use one these ways to block or unblock your DBS credit card:

    • Log in to iBanking.
    • Sing in to digibank.
    • Use the Video Teller Machine (VTM).
    • Call DBS’s 24-hour Customer Service Centre.
    • Submit the PIN request form to the bank.

    How to Reset the PIN

    iBanking/VTM/digibank/Online Form

    To reset the PIN, use any of the following means:

    • Digibank.
    • iBanking.
    • Video teller machines.
    • Online submission of form.

    What Is the Billing Cycle and Bill Due Date

    Check SAFRA Card Statement

    The billing cycle is calculated after your card is approved. The due date before which you must pay the amount is mentioned on the monthly statement you receive.

    How to Get a Replacement Card


    For requesting for a replacement for your lost, stolen or damaged card, you can:

    • Contact the bank.
    • Sign-in to your iBanking account.

    How to Temporarily Increase the Limit of Your Card

    iBanking/Online Form

    To request for a temporary increase in your credit limit, log in to your iBanking account or fill the online form. Do note that this temporary increase is available only for special purposes like travel, wedding and hospitalisation, among others.

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