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    Compare DBS Credit Cards

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    DBS Bank offers a range of credit cards to its customers which belong to categories such as rebates, rewards, miles, and students. There are several co-branded cards offered by the bank which provide exclusive privileges when you use the card at partner outlets. The DBS Esso card, per say, not only helps you save on fuel at Esso filling stations, but also offers a host of other fuel-related privileges.

    DBS also offers cards specially dedicated for use by students or women. You can earn DBS Points on some of the cards offered by the bank which can be redeemed for offsetting future transactions across several online merchants as well as at participating outlets.

    Features and Benefits

    • Miles-earning: Earn miles faster with a DBS Altitude Card. The miles don’t expire.
    • Rewards points: Earn DBS Points with cards such as DBS Woman’s Cards, Black Cards, NUS Alumni and NUSS Cards. These points can be exchanged for vouchers or frequent flyer miles.
    • Cash rebates: Get cash rebates with some DBS cards when you make certain kind of transactions. DBS Live Fresh Card (5% on certain transactions), Takashimaya Cards, the SAFRA DBS Card, and the Esso Card are some of the cashback/cash rebate cards.
    • Contactless payments: Pay for your purchases through Visa payWave, Samsung Pay, Apple Pay, and Android Pay.
    • Instalment plans: Convert large purchases into smaller repayments with My Preferred Payment Plan and 0% Instalment Payment Plan.
    • Income tax payment: Pay your income tax on instalment over a period of 1 year with DBS cards. A one-time fee of 3% will be charged. The EIR applicable is 5.63% annually. Earn rewards points for paying income tax with DBS cards.
    • Recurring bill payments: Set up your repeating bills – such as telecom, utility, broadband and insurance – to DBS cards for autopay and you won’t have to worry about their due dates ever again. Some of these transactions will fetch you DBS Points.

    Most Popular DBS Credit Cards and What They Offer

    Check out some important details about your card in the table below:

    Card Name Annual Fee Interest Rate for Transactions Interest Rate for Cash Advance Best Suited for Explore Card
    DBS Live Fresh Card

    DBS Live Fresh Card

    S$128.40 (Waived for 1 year) 25.9% p.a. 28% p.a. Online shopping
    SAFRA DBS Card

    SAFRA DBS Card

    No annual fee. SAFRA membership fee applies. 25.9% p.a. 28% p.a. SAFRA privileges Online transactions
    DBS Esso Card

    DBS Esso Card

    S$85.60 (Waived for 1 year) 25.9% p.a. 28% p.a. Petrol
    DBS Takashimaya Cards

    DBS Takashimaya Cards

    S$192.60 (Waived for 1 year) 25.9% p.a. 28% p.a. Shopping at Takashimaya Departmental Stores in Singapore and Japan
    DBS Woman’s Card

    DBS Woman’s Card

    S$160.50 (Waived for 1 year) 25.9% p.a. 28% p.a. Online shopping Beauty and wellness Fashion
    DBS Woman’s World Mastercard

    DBS Woman’s World Mastercard

    S$192.60 (Waived for 1 year) 25.9% p.a. 28% p.a. Online shopping Overseas shopping Beauty and wellness Fashion
    DBS Black Card

    DBS Black Card

    S$192.60 (Waived for 1 year) 25.9% p.a. 28% p.a. Shopping Contactless transactions
    DBS NUS Alumni Card

    DBS NUS Alumni Card

    S$128.40 (Waived for 2 years) 25.9% p.a. 28% p.a. NUS Alumni
    DBS NUSS Card

    DBS NUSS Card

    S$192.60 (No annual fee if you’re a NUSS member) 25.9% p.a. 28% p.a. NUSS members
    DBS Altitude Card

    DBS Altitude Card

    S$192.60 (Waived for 1 year) 25.9% p.a. 28% p.a. Travel Online hotel and flight reservations
    DBS Live Fresh Student Card

    DBS Live Fresh Student Card

    S$128.40 (Waived for 5 years) 25.9% p.a. 28% p.a. Students
    POSB Everyday Card

    POSB Everyday Card

    S$192.60 (Waived for 1 year) 25.9% p.a. 28% p.a. Daily essentials

    DBS Bank offers a wide variety of credit cards. You can choose a credit card based on the category in which you spend the most.

    DBS Altitude Card
    DBS Altitude Card

    Best to Earn Air Miles

    • Get 3 miles with each S$1 spent on online hotel and flight transactions.
    • Receive 2 miles with each S$1 spent on an overseas transaction (in foreign currency).
    • Get 1.2 miles with each S$1 spent on a local transaction.
    DBS Woman’s World Card
    DBS Woman’s World Card

    Best for Rewards

    • Get 10 DBS Points (or 20 miles) for every S$5 spent online.
    • Earn 3 DBS Points (or 6 miles) for every S$5 spent overseas.
    • Get 1 DBS Point (or 2 miles) for every S$5 spend on anything else.

    Note: Miles will be credited to you in the form of DBS Points (1 DBS Point is equal to 2 miles).

    DBS Esso Card
    DBS Esso Card

    Best for Fuel Spends

    • Get instant 17% savings on your fuel bills at Esso service stations islandwide.
    • Earn Smiles Points on your dining, shopping, and other card purchases and enjoy free fuel.
    • Enjoy 0% interest-free instalment payment plan for motor insurance and road tax (exclusive to customers with a DBS/POSB savings or current account).
    DBS Live Fresh Card
    DBS Live Fresh Card

    Best for Cashback Offers

    • Get a cashback of 5% on contactless purchases and online shopping.
    • Get a cashback of 0.3% on all other spends.
    • Cashback is capped at S$60 per month.
    POSB Everyday Card
    POSB Everyday Card

    Best for Grocery Spends

    • Earn 5% cash rebate at Sheng Siong.
    • Get 3% rebate at Watsons and on medical transactions.
    • Get 1% rebate on recurring utility bills.

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    DBS Card Rewards Programmes

    DBS rewards its credit card users with several rewards programmes. This includes DBS Points, SAFRA$, Takashimaya Bonus Points, Esso Smiles Points, frequent flyer miles, cashback, and cash rebates.

    DBS Points:

    This is offered on DBS Altitude Cards, DBS Woman’s Card, DBS Woman’s World Mastercard, DBS Black Visa and American Express Cards, DBS NUSS Card, and the NUS Alumni Card. The base earnings are 1 DBS Point (or 2 miles) per S$5 spent. The maximum you can earn is with the DBS Woman’s World Card, which offers 10 DBS Points (or 20 miles) per S$5 for online shopping. These points can be accumulated and redeemed for air miles, cash credits, or discount vouchers on shopping, eating out, travel, and other categories.

    SAFRA$:

    This is a cash rebate programme offered only on the SAFRA DBS Cards, and can be redeemed at SAFRA Clubs and member stores, for card bill payments, or for Krisflyer Miles.

    Takashimaya Bonus Points:

    These points can be earned only on the DBS Takashimaya Amex and Visa Cards. The points can be redeemed at Takashimaya stores only.

    Esso Smiles Points:

    Esso Smiles is a customer loyalty programme by Esso. Enrolment in this programme is automatic if you’re a DBS Esso Card holder.

  • Air miles: Miles are credited in the form of DBS Points, and can be earned on any card offering these points. However, you need to be enrolled in the frequent flyer programme to convert points to miles. Currently, the DBS Altitude Visa Signature and American Express Cards are the only travel cards offered by the bank.

  • Cash rebates and cashback:

    Get up to 10% cash rebates and/or cashback on DBS Live Fresh Card and POSB Everyday Card

    Complimentary Privileges

    Complimentary Travel Insurance:

    Get free travel accident insurance coverage of up to S$1 million when charging the complete airfare to your DBS Altitude Card.

    EZ-Reload:

    The DBS Live Fresh Card gets registered for EZ-Reload automatically. Simply activate the EZ-Reload option to utilise the card as an EZ-Link card.

    Petrol Savings:

    Get free fuel by converting all your dining, shopping, and other card purchases into Smiles Points with the DBS Esso Card. 24-hour Butler Service: Call the DBS Altitude Butler Service hotline anytime during the day to get assistance for making vacation plans, dining reservations, airport transfers, and more.

    Free Global Airport Lounge Access:

    Become eligible for 2 free global airport lounge visits within a 1-year period of Priority Pass Membership with the DBS Altitude Visa Signature Card.

    DBS Credit Card Hotline: For any credit card-related queries, you could contact the bank’s customer support number.

    DBS Cards Eligibility Requirements

    Satisfy the conditions mentioned below to be eligible for the card of your choice:

    Cards Name Minimum Income Residents (p.a.) Minimum Income Foreigners (p.a.) Minimum Age Other criteria
    SAFRA DBS Card S$30,000 NA 21 years SAFRA member
    DBS Woman’s World Card S$80,000 and above p.a. S$80,000 and above p.a. 21 years and above NA
    DBS Live Fresh Student Card NA NA 18 to 27 years (both inclusive) NA
    Other Cards S$30,000 S$45,000 21 years NA

    Documents Required

    Singaporean citizens and PRs

    Salaried employee:
    • A front and back copy of your NRIC
    • Any one of the following income documents:
      • Recent 12 months’ statement of CPF Contribution
      • Latest salary slips
      • POSB/DBS salary account statement
      • Most recent Income Tax NOA along with either of the above documents
    Commissioned/variable income individual:
    • A front and back copy of your NRIC
    • Recent 12 months’ statement of CPF or Income Tax NOA for the past 2 years
    Self-employed individual:
    • A front and back copy of your NRIC
    • Income Tax NOA for last 2 years

    Foreigners

    • A valid employment pass/work permit and passport
    • Most recent Income Tax NOA and latest salary slips or POSB/DBS salary account statement
    • A letter from your company certifying your salary and employment

    Loans on DBS Credit Cards

    Get instant cash up to the credit limit available on your card at fixed rate of interest starting from 6.99% p.a. You can choose a tenure from 12 to 60 months, depending on your convenience and choice. Cash will be transferred almost immediately to your deposit account on approval. No further documentation is needed.

    DBS Credit Card

    Security Features

    In order to keep your DBS credit card transactions safe and secure, the bank offers several security features such as:

    • iBanking OTP
    • DBS iB Secure
    • DBS Money Safe
    • Transaction alerts
    • Secure Technology
    • Transaction Screening
    • 2-Factor Authentication

    DBS Increase Credit Limit

    • The DBS temporary credit limit increase facility can be used only for wedding, hospitalisation, and travel purposes.
    • Only a principal cardholder with a personal liability credit card can apply for this facility. Owners of DBS Live Fresh Student cards aren’t eligible for this facility.
    • Both the principal and supplementary credit card holders can utilise the amount granted via temporary credit limit increase option. A supplementary cardholder will, however, not be responsible for any kind of spend made using the temporary limit amount.
    • The entire outstanding credit card balance amount needs to be repaid by the principal cardholder.
    • An over-limit fee will apply if the additional amount utilised is repaid after the expiry of the facility temporary credit limit increase.

    Things to Know About DBS Credit Cards

    How to Redeem Points?

    Redeem your points in the following ways:
    • DBS Points: Your accrued DBS Points can be redeemed for cash credits, discount vouchers, air miles, on eating out, shopping, travel, and several other categories.
    • SAFRA$:  Redeem your accumulated SAFRA$ at SAFRA Clubs and member stores, for Krisflyer Miles or for credit card bill payments.
    • Takashimaya Bonus Points: You will be able to redeem your bonus points only at Takashimaya stores.
    • Esso Smiles Points: You can redeem Smiles points for free fuel.

    How to Redeem Miles?

    iBanking/Redemption Form/Krisflyer Miles Auto Conversion Programme

    The DBS Points accrued by you needs to be converted to air miles. You can send in your redemption request in two ways:

    • Redeem online through iBanking
    • Download the redemption forms for KrisFlyer, Asia Miles and AirAsia. These forms can be found on the bank’s website.
    KrisFlyer Miles Auto Conversion Programme

    When you register for this programme, the DBS Points you’ve accumulated will automatically get converted into KrisFlyer miles every quarter. Only primary cardholders of the DBS Insignia and Altitude cards can enjoy this programme. At the beginning of every quarter, every 500 DBS Points accumulated will get converted to 1,000 KrisFlyer miles automatically. You will have to pay a fee of S$42.80 annually for enrolment into this programme.

    How to Use the Internet Banking Login?

    With the help of DBS digibank Online, you’ll be able to perform the following activities:
    • Transfer funds
    • Manage payments
    • Activate credit card
    • Reset your card PIN
    • Open a DBS account
    • Check account details
    • Apply for a credit card
    • Update personal details
    • View online statements
    • View card application status
    • Check outstanding balances
    • Set up standing instructions
    • Manage list of beneficiaries
    • Make an online transaction inquiry
    • Add, delete, and view GIRO arrangements
    • Set up various limits (ATM card Limit, bill payment limit, etc.)

    How to Check Unbilled Transactions?

    iBanking/digibank

    You can check for your unbilled transactions using iBanking or digibank.

    How to Check the Reward Points Earned?

    Hotline/Check Monthly Statement

    Your earned DBS Points can be checked in two ways:

    • Call the DBS 24-hour self-service hotline
    • Check your monthly credit card statement

    How to Check the Points and Miles That Are About to Expire on Your Credit Card?

    DBS Online Rewards Portal

    Log in to the DBS Online rewards website, by entering either your NRIC or passport number along with your 16-digit credit card number. After you have logged in successfully, select “My DBS Points Details”. Under this section, all your earned DBS Points will be displayed with corresponding expiry dates.

    Is There a Mobile App?

    DBS offers the following mobile apps:

    You can download the DBS mobile apps mentioned above either from the Google Play Store or Apple Store.

    Does the Bank Offer Invitation Only Credit Cards?

    Yes– DBS Insignia Card

    DBS Insignia Visa Infinite Card is an invitation-only credit card offered by DBS.

    How to Check Status of My Requests?

    iBanking/digibank/phone banking

    Check on the status of your requests in the following ways:

    • iBanking
    • digibank
    • Phone banking

    How to Convert Bill to Instalment Payment Plans?

    DBS offers you two types of instalment payment plans that are as follows:
    • 0% Instalment Payment Plan:
      • Split your credit card bill into 3, 6, 12, 18, or 24 months at 0% rate of interest.
      • This payment option can be used at participating merchants’ islandwide.
      • This instalment payment plan can be directly initiated at the store itself. However, you need to confirm with the merchant once before you make your purchase.
    • My Preferred Payment Plan:
      • Divide your credit card payment into interest-free instalments that can extend up to 24 months.
      • A processing fee will be applicable which is one-time and is generally low.
      • All your instalment repayment amounts will be completely interest-free.
      • You can convert and combine up to 10 transactions instantly.

    About DBS Bank

    DBS is the largest bank in Southeast Asia and Singapore. It is headquartered in Singapore and has seen steady growth in South Asia, Southeast Asia, and Greater China. It has more than 280 branches with a huge customer base of more than four million. It has been declared as the “Safest Bank in Asia” for nine continuous years (2009 to 2017) by Global Finance. Also, Euromoney has recognised DBS as the World’s Best Digital Bank. DBS offers several banking, insurance and investment products and services to its customers in Singapore. Let us take a look at all of its credit cards in detail.

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