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    Best DBS Credit Cards

    Credit Card BYTES FROM OUR KITCHEN

    DBS Credit Card Overview

    DBS, when it comes to banking is like a household name across Singapore and for the most obvious reason. Along with being headquartered in Singapore, DBS has a large list of accolades to its name. It was awarded the ‘Safest Bank in Singapore’ for 8 consecutive years which is no mean feat. DBS has prided itself in putting their consumers first and their ever increasing consumer base and range of products and services are testament to this principle.

    DBS credit cards are a popular choice not just in Singapore but in the surrounding region as well. With DBS increasing its presence in Asia every passing day, cardholders can enjoy wide and global acceptance on their credit cards. The joining benefits offered by their cards cater to its wide consumer database. Joining benefits include vouchers to select merchant outlets, air miles for the avid traveller and cashback of varying amounts for the smart shopper. With a long list of cards to offer DBS has successfully managed to pack them with features while keeping their costs down. The annual fees of the cards are very affordable especially with the annual fee waivers present on almost every card. Some DBS Credit Cards even have a 5 year waiver on the annual fee.

    The credit cards from DBS can be widely divided into reward cards, travel cards, student cards, and cashback cards. Cardholders can even enjoy more specific cards that can cater to them such as the DBS Woman’s card or the NUSS card which allows automatic charge of the cardholder’s NUSS bills onto their card.

    Best DBS Credit Cards in Singapore

    Here are Best Credit Cards offered by DBS Bank in singapore:

    Card Name Joining Fee Annual Fee Suitable For Joining Perks
    DBS Woman’s Card S$0 (First year fee waived) S$160.50 Online shopping, overseas purchases, dining, taxi bookings Cashback up to S$100
    DBS Woman’s World Card S$0 (First year fee waived) S$192.60 Online shopping, overseas purchases, dining, taxi bookings Cashback up to S$100
    DBS Altitude Visa Signature Card S$0 (First year fee waived) S$192.60 Online flight and hotel bookings, local and overseas transactions Up to 10,000 air miles
    DBS Altitude American Express Card S$0 (First year fee waived) S$192.60 Online flight and hotel bookings, local and overseas transactions -
    DBS Live Fresh Card S$0 (First year fee waived) S$128.40 Online shopping, Visa payWave transactions Cashback up to S$100
    DBS Black Visa Card S$0 (First year fee waived) S$192.60 Shopping, local Visa payWave transactions Cashback up to S$100
    DBS Black American Express Card S$0 (First year fee waived) S$192.60 Shopping, local Visa payWave transactions -
    POSB Everyday Card S$0 (First year fee waived) S$128.40 Dining, grocery, petrol, utility/telecommunication bills, health and beauty products Cashback up to S$100
    SAFRA DBS Card S$0 Perpetual fee waiver for SAFRA members Online transactions, retail purchases, local MasterCard contactless payments S$30 cashback
    DBS Live Fresh Student Card S$0 (5 years fee waived) S$128.40 Students, online transactions, Visa payWave transactions -

    Types of DBS Credit Cards Available in Singapore

    DBS Credit Card

    DBS Reward Points Credit Cards

    With DBS Takashimaya American Express Card you will get:

    • 2 Takashimaya Bonus Points for every S$10 that you spend at the Takashimaya Department Store (Voucher rebate of 6%).
    • Extra savings of 10% at select sale events held at the store.
    • Special parking benefits at the store.
    • Special discounts when shopping at the Takashimaya Department Store in Japan.
    • 1 DBS Point for every S$5 that you spend everywhere else. Redeem your earned points for gift vouchers from Takashimaya.

    With DBS Takashimaya Visa Card you will get:

    • 2 Takashimaya Bonus Points for every S$12 that you spend at the Takashimaya Department Store (Voucher rebate of 5%).
    • 5% discount when shopping at the Takashimaya Department Store in Japan.
    • Extra savings of 10% at select sale events held at the store.
    • Special parking benefits at the store.
    • 1 DBS Point for every S$5 that you spend everywhere else. Redeem your earned points for gift vouchers from Takashimaya.

    With DBS Woman’s Card you will get:

    • 10 miles or 5X DBS Points per S$5 that you spend online.
    • My Preferred Payment Plan – Convert large purchases into this instalment plan of 12 months with no processing fee or interest.
    • 10 miles or 5X bonus points for every S$5 that you spend using DBS MasterPass to pay for your taxi bookings at Comfort and CityCab.
    • Complimentary access and privileges at True Fitness and True Yoga.

    With DBS Woman’s World Card you will get:

    • 20 miles or 10X DBS Points per S$5 that you spend online.
    • 3X DBS Points when you shop overseas.
    • Complimentary access and privileges at True Fitness and True Yoga.
    • My Preferred Payment Plan – Convert large purchases into this instalment plan of 12 months with no processing fee or interest.
    • 20 miles or 10X bonus points for every S$5 that you spend using DBS MasterPass to pay for your taxi bookings at Comfort and CityCab.

    With DBS Esso Card you will get:

    • Instant fuel savings of 17% at Esso stations throughout Singapore.
    • Automatic enrollment into “Esso Smiles Driver Rewards Programme” to earn bonus Smiles Points on fuel purchases.
    • DBS Rewards – Earn 1 DBS Point for every S$5 that you spend everywhere else. Redeem your points for free fuel purchases at Esso, dining, shopping, entertainment and travel privileges.
    • DBS Lifestyle – Enjoy up to 50% discount at more than 1,000 establishments in Singapore.

    With DBS NUS Alumni Card you will get:

    • The opportunity to contribute and support NUS students through awards and bursaries by spending on this card.
    • Exclusive privileges on dining, entertainment, wellness and shopping when on campus as well as across Singapore.
    • DBS Rewards – Earn 1 DBS Point for every S$5 that you spend everywhere else. Redeem your points for dining, shopping, entertainment and travel privileges.
    • DBS Lifestyle app offers additional privileges on dining, shopping, entertainment and travel.

    With DBS NUSS Card you will get:

    • Perpetual annual fee waiver if you continue being an NUSS Member.
    • 2X DBS Rewards Points per S$5 spent at NUSS food and beverage establishments.
    • Automatically charge your NUSS bills to your credit card.
    • Complimentary access to Changi Airport premium lounges and NUSS and Dnata.
    • Complimentary access to fitness classes and other gym facilities at True Fitness.

    Best DBS Air Miles Credit Cards

    With DBS Altitude Visa Signature Card you will get:

    • 3 miles per S$1 spent on flight bookings and hotel transactions.
    • 2 miles per S$1 spent overseas in foreign currency.
    • 1.2 miles per S$1 spent locally.
    • Complimentary Travel Accident Insurance up to S$1 million.
    • Priority Pass Membership that offers 2 Global Airport Lounge Access visits for free every 12 months.
    • DBS Altitude Butler Service for assistance across the world.

    With DBS Altitude American Express Card you will get:

    • 3 miles per S$1 spent on flight bookings and hotel transactions.
    • 2 miles per S$1 spent overseas in foreign currency.
    • 1.2 miles per S$1 spent locally.
    • DBS Altitude Butler Service for assistance across the world.
    • Complimentary Travel Accident Insurance up to S$1 million.

    Best DBS Cashback Credit Cards

    With DBS Live Fresh Card you will get:

    • 3X DBS Points on online purchases and Visa payWave transactions.
    • Auto-enrollment into EZ-Reload. Activate this facility to use your credit card as an EZ-Link Card.
    • DBS Rewards – Earn 1 DBS Point for every S$5 that you spend everywhere else. Redeem your points for dining, shopping, entertainment and travel privileges.
    • DBS Lifestyle app offers additional privileges on dining, shopping, entertainment and travel.

    With DBS Black Visa Card you will get:

    • 3X DBS Points for every S$5 that you spend on Visa payWave transactions in Singapore.
    • DBS Lifestyle - 1X DBS Point for every S$5 that you spend everywhere else.
    • My Preferred Payment Plan – Convert large purchases into this instalment plan of 12 months with no processing fee or interest.

    With DBS Black American Express Card you will get:

    • DBS Lifestyle - 1X DBS Point for every S$5 that you spend everywhere else.
    • My Preferred Payment Plan – Convert large purchases into this instalment plan of 12 months with no processing fee or interest.

    With POSB Everyday Card you will get:

    • Cash rebate up to 14% on dining.
    • 6% cash rebate on daily essentials purchases.
    • Petrol savings up to 20.1% at Sheng Siong.
    • 3% cash rebate on purchases at Watsons.
    • 1% cash rebate on telecommunication and utility bill payments.
    • 0.3% cash rebate on all other purchases.

    With SAFRA DBS Card you will get:

    • Cash rebate of 3% on online shopping and MasterCard contactless payments in Singapore.
    • Cash rebate of 0.3% on other retail purchases.
    • Exclusive privileges at 6 SAFRA clubhouses in Singapore to enjoy facilities such as the pool, gym and other entertainment facilities.
    • SAFRAPOINTS – Get 1 SAFRAPOINT per S$1 spent at participating establishments and facilities.

    Best DBS Student Credit Cards

    With DBS Live Fresh Student Card you will get:

    • Credit limit of S$500 with no income requirement to apply for this card.
    • 3X Points on Visa payWave transactions and online purchases.
    • DBS Rewards – Earn 1 DBS Point for every S$5 that you spend everywhere else. Redeem your points for dining, shopping, entertainment and travel privileges.
    • Auto-enrollment into EZ-Reload. Activate this facility to use your credit card as an EZ-Link Card.

    Supplementary Credit Cards

    • Rewards and rebate earned on the supplementary card will be credited to the principal cardholder’s account.
    • Supplementary cardholders will enjoy shopping and dining privileges with discounts up to 50% at more than 1,000 establishments in Singapore.
    • Supplementary cardholders will have access to the two payment plans offered by DBS bank namely 0% Interest Instalment Payment Plan and My Preferred Payment Plan.

    DBS Credit Card Promotion in Singapore

    • DBS Altitude Cards – Get up to 13 air miles per S$1 spent on Kaligo transactions until December 31, 2017.

    Requirements to Apply DBS Credit Cards

    Eligibility Criteria for Residents:

    • The minimum age required to apply for a DBS Credit Card is 21 years. For the DBS Live Fresh Student Card, the minimum age required is 17 years and up to 27 years of age.
    • The minimum income required to apply for a DBS Credit Card ranges between S$30,000 and S$80,000.
    • Documents to be submitted include NRIC as an ID Proof document, Income Tax NOA (Notice of Assessment), computerized payslips, etc.

    Eligibility Criteria for Foreigners:

    • The minimum age required to apply for a DBS Credit Card is 21 years.
    • The minimum income required to apply for a DBS Credit Card ranges between S$45,000 and S$80,000.
    • Documents to be submitted include a valid Passport and Employment Pass, Income Tax NOA (Notice of Assessment), computerized payslips, a company letter confirming your salary and employment status, etc.

    How to Activate DBS Credit Card?

    DBS Credit Card Activation for regular use:

    You can activate your DBS Credit Card through iBanking in the following way:

    • Click on the tab “Cards” found on the top navigation and choose “Activate Credit Cards”.
    • You will have to fill in the requested details and accept the bank’s Terms and Conditions to proceed. After confirming your details, click on the “Submit” option for activation of your card.
    • After completing this process, your credit card will be activated immediately.

    You can also activate your credit card through a Mail-in Activation Slip. Note that for this process the bank will take 5 business days to activate your credit card after receiving this slip.

    You will be charged a service fee to activate your card.

    DBS Credit Card Overseas Activation:

    There are several ways through which you can activate your DBS Credit Card which are as follows:

    • Activation through SMS:
      • To enable overseas activation perpetually – “EnableoverseasLast 4 digits of Card”.
      • To enable overseas activation for a specific period – “EnableoverseasLast 4 digits of Cardstart dateend date”.
      • To disable overseas activation – “DisableoverseasLast 4 digits of Card”.
    • Activation through iBanking:
      • Login using your User ID and Password.
      • Select the card you wish to activate and click on “Activate Card’s Magnetic Stripe for Overseas Use”.
      • You will be requested to login using an iB Secure PIN of 6 digits.
      • You will find a “Card Selection List” under which click on “Card Account”.
      • You can then edit the status of your credit card’s magnetic stripe to enable overseas function.
      • Click on “Submit” and then “Confirm”.
    • Activation through digibank:
      • Login using your User ID and Password.
      • On the menu, click on “Card Services”.
      • Then select the option, “Allow Card’s Magnetic Stripe for Overseas Use”.
      • You will be requested to login using an iB Secure PIN of 6 digits.
      • You will find a “Card Selection List” under which click on “Card Account”.
      • You can then edit the status of your credit card’s magnetic stripe to enable overseas function.
      • You will be asked to provide your authorization and then click on the option, “Next”.
      • Confirm your transaction details and then click on the option, “Confirm”.

    How to Cancel DBS Credit Cards?

    You can request to cancel your DBS Credit Card through iBanking by following the steps below:

    • Login using your User ID and Password.
    • On the top right side, click on the option called “Messages” and then click on “Compose”.
    • You will be requested to key-in your iB Secure PIN of 6 digits.
    • Click on the option called “Credit Cards” and then select “Cancel Card” as your subject.
    • Select your credit “Card Number” for termination.
    • You will be presented with options as reasons for your termination. Choose the reason that suits you and then click on “Send”.

    Supplementary cards associated with the principal card will be automatically cancelled upon termination of the principal card.

    DBS Credit Card Hotline Numbers

    DBS Credit card was lost or damaged, and for more queries related credit cards, here are DBS Hotline or customer service numbers to reach DBS Bank

    • If you have lost your ATM Card in Singapore – Call the bank on 1800 339 6963.
    • If you have lost your ATM Card overseas - Call the bank on 65 6339 6963.
    • For general queries or to contact DBS Phone Banking in Singapore - Call the bank on 1800 111 1111.
    • For general queries or to contact DBS Phone Banking overseas - Call the bank on 65 6327 2265.
    • For general queries or to contact POSB Phone Banking in Singapore - Call the bank on 1800 339 6666.
    • For general queries or to contact POSB Phone Banking overseas - Call the bank on 65 6339 6666.

    Frequently Asked Questions on DBS Credit Cards

    1. Are supplementary cards available with DBS Credit Cards?
    2. Yes, supplementary credit cards are available with most of the credit cards from DBS. However, an annual fee might be charged for the supplementary card.

    3. What is the annual fee for the SAFRA DBS MasterCard Card?
    4. There is no annual fee for this credit card, as long as the cardholder remains a member of SAFRA.

    5. Does DBS offer any American Express credit cards?
    6. Yes, DBS offers the following American Express credit cards:

      • DBS Altitude American Express Card
      • DBS Treasures Black Elite American Express Card
      • DBS Takashimaya American Express Card
      • DBS Black American Express Card
    7. I am an 18 years old Singaporean citizen and an undergraduate student at Nanyang Polytechnic. Can I apply for a DBS Credit Card?
    8. Yes, you will be eligible to apply for the DBS Live Fresh Visa Student Card.

    9. I want to earn air miles with my credit card. Which DBS Credit Card should I opt for?
    10. If you want to earn air miles, you can opt for the DBS Altitude Visa Signature Card or DBS Altitude American Express Card.

    11. What is the minimum income required to get a DBS Woman’s MasterCard card?
    12. The minimum income required to get a DBS Woman’s MasterCard card is S$30,000 p.a. for a Singaporean and S$45,000 p.a. for a foreigner.

    13. Who do I contact to find out more information about the credit cards?
    14. To find out more information about the credit cards, you can visit the bank’s website or visit any branch or contact on their customer care number.

    15. Will I be charged for late payment?
    16. If your outstanding balance is up to SGD50, then the bank will not charge you for late payment. In case your outstanding balance is SGD50.01 and more, then you will have to pay SGD60 as penalty for paying late.

    17. What is the interest rate on cash advance?
    18. The interest rate on cash advance is 28 percent p.a. on the amount you withdraw. This interest is charged on a daily basis from the date you withdraw until you make the full payment.

    19. How much do I have to pay monthly ?
    20. You have to pay minimum 3 percent of the amount mentioned on your credit card statement or SGD50 (whichever is higher) plus the outstanding sum, if you have any.

    News About DBS Credit Cards

    • DBS Takashimaya Visa Credit Card offering cashback up to S$25

      Runtime: This promotion is valid until December 31, 2016.

      Particulars:

        • This card will give you discounts worth 5%.

        • You can also gain 2 Takashimaya Bonus Points whenever you make purchases at Takashimaya Department Store worth S$12.

        • You can recover your Takashimaya Gift Vouchers worth S$30 with 100 Takashimaya Bonus Points.

      How to apply for this promotion:

        • You need to register online for a Principal DBS Takashimaya Visa Credit Card any time before December 31, 2016. This will give you a cashback of S$10.

        • Next, you can spend at Takashimaya Department Store worth S$250 within a month after your card is approved. You will receive an extra cashback of S$15 for this spend.

      Terms and conditions:

        • The qualifying spend does not include buying of Takashimaya Gift Vouchers.

        • The benefits of this promotion cannot be exchanged, replaced, or transferred.

    • DBS Woman’s Card promotions for December

      Particulars:

      Dining:

        • Bob’s Bar, Cassia and The Knolls, Capella Singapore: With a DBS Woman’s Card, you can receive 15% off your bill when you dine here. This offer is valid until December 31, 2016.

        • The Garden, Sofitel Singapore Resort and Spa Sentosa: Use your DBS Woman’s Card to earn 10% discount on Sunday Brunch and 15% off ala carte dishes. The promotion is valid until December 31, 2016.

      Play:

        • S.E.A. Aquarium: Reserve your tickets online and earn 15% off adult tickets (up to S$32) and get a Coke can for free. This offer is valid on park visits before January 2, 2017.

        • Universal Studios Singapore: Get 10% concession on adult ticket (up to S$74) by making the payment through your DBS Woman’s Card. You can avail this offer if you go to the park any time before January 2, 2017.

      Shopping:

        • Dyson: Get 20% off Dyson Pure Cool Link Desk Fan (up to S$699). You can register for the My Preferred Payment Plan and pay only S$46.58 each month. Make your payment without any interest fee and processing fee over a period of 12 months. This offer is valid December 31, 2016.

        • Reebonz: Shop at this store and gain a discount of 6% on your purchases. This offer is applicable on Fridays, Saturdays, and Sundays until December 31, 2016.

      Terms and conditions:

      None of the above-mentioned promotions can be clubbed with other separate offers.

      01st December 2016

    • Win a 5D4N trip to Sydney by using your DBS Altitude Visa Signature Card

      Runtime: Valid till November 30, 2016

      If you are a DBS Altitude Visa Signature Card member, you now have the amazing opportunity to travel on a marvellous culinary adventure with famous celebrity chef and host of Destination Flavor, Adam Liaw. For every S$500 you spend using your DBS Altitude Visa Signature Card, you stand a chance to win a 5-Day 4-Night trip for two to Sydney, Australia. The trip include: a 5-star accommodation, flight travel to and fro with Singapore Airlines, private wine tours, gourmet food and more. 5 lucky winners will get an opportunity to win rewards worth S$100,000. Terms and conditions apply. The offer is valid till November 30, 2016.

      16th November 2016

    • DBS Tops Asia’s Safest Banks List

      Latest rankings of Asia’s safest banks were dominated by Singapore’s three major banks - DBS, OCBC and UOB. While DBS clinched the coveted first place, OCBC was ranked second and UOB a near fourth. DBS retained its undisputed position for the eighth consecutive year. All three banks also figured in the top 20 in the “World’s Safest Banks” list compiled by New York based Global Finance - a popular trade publication. While DBS earned the 12th spot in the list, OCBC figured at number 14 and UOB at number 16. The banks were selected on the basis of their long term credit ratings assessed by the world’s three major credit rating agencies - Standard and Poor, Fitch and Moody’s- and total worldwide assets.

      Germany’s KfW retained the prestigious number 1 spot for the fifth year on the trot, followed by Switzerland’s Zurcher Kantonalbank and the Landwirtschaftliche Rentenbank, also from Germany. Global Finance’s November issue will have the complete results of its annual survey.

      13th October 2016

    • DBS customers can enjoy banking through online “chat”!

      DBS planning to start the conversational AI technology which allow its customers to access banking services quickly on Facebook Messenger by the end of this year. As per DBS statement the chat bot service will be extended later to other Messenger like WhatsApp and WeChat in the future. Customers can now easily check their bank balance and pay bills by just chatting with the app. Customers can simply text to check their balance, which will be answered promptly. Also customer can pay bills by simply texting. The request will be processed after identifying the correct payee.

      19th August 2016

    • DBS Live Fresh Card Uber Promotion

      Runtime – This is an ongoing promotion that is valid now and until September 30, 2016.

      Particulars – Apply for a DBS Live Fresh Card online within the promotion period and receive Uber rides worth S$100.

      Terms and Conditions:

        • You must spend a minimum of S$400 each month for the initial 2 months from the date your card is approved to be eligible for this promotion.

        • The Uber rides worth S$100 will be issued as voucher codes that you must use when paying with your DBS Live Fresh Card only.

        • For further details on this promotion or for more information on the terms and conditions, please feel free to contact the bank.

    • Euromoney Names DBS Bank as the World’s Best Digital Bank

      Euromoney, a finance magazine recently handed out awards of excellence in which it named DBS the World’s Best Digital Bank. DBS beat out its competitors Citi, ING and BBVA for this award. DBS is the first Asian bank to receive a global accolade from this magazine. DBS was also named Asia’s best bank by Euromoney. This is the first time a Singapore based bank has received this title. Euromoney has chosen DBS because of the bank’s digital strategy that has pervaded every aspect, thereby creating a true digital financial institution.

      The Chief Executive of DBS, Piyush Gupta has also corroborated this by saying that for the past few years, DBS has been immersed in digital agenda and firmly believes that the landscape of the banking industry in the future will look much different going forward.

      15th July 2016

    • DBS Bank Looks to Expand its Wealth Business in Indonesia

      According to the local media, DBS Bank is looking for a growth of up to 38% in Indonesia with revenue from Consumer Business for 2016, primarily through expansion in its wealth management services.

      According to the Group Director of Consumer Banking of DBS Indonesia, Wawan Salum, the revenue obtained from wealth business has been boosted due to the rise of priority customers with over IDR500 million (US$38,000) in individual savings.

      DBS Bank is also looking to expand the bank’s digital product lines according to customer needs.

      12th July 2016

    • DBS releases Metal card with payWave

      A new version of Insignia Visa Infinite credit card has been launched by the Development Bank of Singapore (DBS). This card is a metal card and comes with Visa payWave technology.

      The card can be used for contactless payments and it aims to cater to the payments needs of consumers in high net-worth and affluent section. To avail this card, one must have an invite.

      According to Visa, the section of people who are affluent in Singapore are increasing by 25% every year. The Development Bank of Singapore also noted that out of all the transactions made in Singapore, 40% of them are contactless transactions. According to the country manager for Visa (Brunei and Singapore), Ms Ooi Huey Tyng, and introduction of this card by DBS has embraced the new cashless lifestyle of the affluent class.

      07th July 2016

    • DBS aims to make Singapore cashless

      The success of Apple Pay in Singapore has motivated DBS Bank to increase its efforts to make Singapore a cashless country. Over 47,000 customers of DBS debit and credit cards have started using Apply Pay for making payments. Around 45% cardholders who actively use the app had paid for at least 3 transaction within 2 weeks. The Apple Pay system has increased the frequency of cashless payments in the country. Looking at the current trend, DBS bank is confident of the fact that cashless payments will increase in the future. The bank is trying to raise the transaction limit at present and it plans to remove the limits eventually. It also introduced DBS FasTrack, the bank's new payment system. This system mainly targets the small enterprises and their consumers.

      16th June 2016

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