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    Find The Best DBS Credit Card

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    DBS offers 13 credit cards, which includes a credit card for students. You can earn cashback/rebate, reward points, or air miles, depending on the card you own. The credit cards provide exclusive privileges like concierge service and upgrades to luxury hotels along with other benefits. You can even save a great deal on fuel at Esso. The rewards cards give you high point-earning potential and a variety of gifts to redeem them on. The air miles you earn can be exchanged for KrisFlyer miles, Asia Miles, or AirAsia BIG Points. These miles, therefore, can be used to offset your next fight ticket purchases.

    DBS Live Fresh Card: Best for Earning Cashback on Visa payWave Transactions

    • Enjoy a cashback of 5% on online shopping and Visa payWave transactions.
    • Get 0.3% cashback for all other spend.
    • Stand a chance to win VIP tickets to Asia’s dance music festival.

    To earn the 5% and 0.3% cashback, you need to spend at least S$600 on your card per calendar month. The Visa payWave transactions must be made via Apple Pay, Samsung Pay, and Google Pay. The cashback is capped at S$60 per month on all eligible online, Visa payWave, and other purchases. If you are a new customer and apply for this credit card online through iBanking, digibank, or the website, you will get back S$100 as a welcome gift. However, to get this cashback, you must not be an existing cardholder or cancelled any DBS credit card in the last one year. Also, you must charge at least S$600 to the credit card within a month of approval.

    As an existing member, you are entitled to get a cashback of S$50, provided you have applied for the card online, did not cancel the card membership in the last 12 months, and charged at least S$600 to your card within one month of card issue date. The sign-up gift promotion ends on 30 September 2018. Also, one lucky cardholder will get one chance to win a VIP party experience package worth S$10,000 with every S$50 spent.

    Annual Fee Interest Rate for Transactions (p.a.) Interest Rates for Cash Advance
    S$128.40 25.9% p.a. 28% p.a.

    SAFRA DBS Card: Best for SAFRA Members

    • Earn 1 SAFRA$ per S$1 spent on participating facilities and outlets.
    • Get exclusive access to 6 SAFRA Clubhouses in Singapore.
    • Enjoy a cash rebate of 3% on eligible Mastercard contactless purchases in Singapore and on online purchases. Cash rebate will be awarded in the form of SAFRA$.

    All other retail spends will earn you 0.3% cash rebate. You must spend at least S$500 in order to earn the 3% cash rebate. The cash rebates are issued in the form of SAFRA$, where SAFRA$1 is equal to S$1. You can save more if you consolidate your monthly transactions on your credit card. The SAFRA$ are capped at a maximum of SAFRA$50 each month. The loyalty dollars can be used to offset your next purchases at SAFRA Clubs and other participating merchants in the country. You can also redeem these points online through your internet banking account to offset your card bills or exchange them for KrisFlyer miles.

    The KrisFlyer miles are available through iBanking in blocks of 10,000 miles and are based on the conversion rate of 245 Loyalty Dollars, which is equal to 10,000 KrisFlyer miles. However, you need to pay a conversion fee of S$25, which will get debited from your card account. The SAFRA$ are valid for one year only. Being a SAFRA member, you can access the club amenities, which includes swimming pools, entertainment facilities, and gyms.

    Annual Fee Interest Rate for Transactions (p.a.) Interest Rates for Cash Advance
    NIL 25.9% p.a. 28% p.a.

    DBS Takashimaya Visa Card: Best for Use at Takashimaya Stores

    • Earn a voucher rebate of 5% at Takashimaya Department Store.
    • Enjoy 2 Takashimaya Bonus Points for every S$12 spent at the store.
    • Redeem Takashimaya gift vouchers worth S$30 with every 100 Bonus Points.

    If you accumulate 300 Takashimaya Bonus Points, you can redeem for gift vouchers worth S$90 to offset your next transactions at the store. In case you make purchases of S$2,000 at any non-Takashimaya store in three months, you can redeem for a Takashimaya shopping voucher worth S$10. The voucher will be sent to your registered address within two months in the following quarter. This promotion is valid till 30 September 2018.

    All your dining, shopping, and other spends will earn you a voucher rebate of 0.5% that can be used to offset your bills at the store. Apart from this, you can enjoy a discount of 5% if you shop at Takashimaya Japan. Along with the voucher rebates, you will receive an additional 10% discount during selected sales in-store. Get free delivery when you spend at least S$200 during the Takashimaya 10% Promotion Day and S$100 on other days.

    You can make payments with Visa payWave using this card without signing. Also, enjoy more than 1,000 dining and shopping deals with DBS Lifestyle Privileges.

    Annual Fee Interest Rate for Transactions (p.a.) Interest Rates for Cash Advance
    S$192.60 25.9% p.a. 28% p.a.

    DBS Takashimaya American Express Card: Best for Earning Voucher Rebate on Shopping

    • Earn a voucher rebate of 6% at Takashimaya Department Store.
    • Enjoy 2 Takashimaya Bonus Points with every S$10 spent at the store.
    • Redeem Takashimaya gift vouchers worth S$30 with every 100 bonus points

    All your dining, shopping, and other spends will earn you a voucher rebate of 0.5% that can be used to offset your bills at Takashimaya Departmental Store. You can also enjoy 5% off at Takashimaya Japan.

    Charge a minimum of S$250 to your credit card at the store and get a top up of S$6 on your CashCard for parking. Also, you can receive free delivery services if you spend S$200 during Takashimaya 10% Promotion or S$100 on all other days.

    If you spend S$2,000 at any store outside Takashimaya in three months, you can get a Takashimaya shopping voucher worth S$10. The voucher will be sent to your registered address within two months in the following quarter. This promotion is valid till 30 September 2018.

    Enjoy dining and shopping deals across Singapore with the DBS Lifestyle Privileges.

    Annual Fee Interest Rate for Transactions (p.a.) Interest Rates for Cash Advance
    S$192.60 25.90% p.a. 28% p.a.

    DBS Woman’s Card: Best for Online Shopping

    • Receive 5 DBS Points (equivalent to 10 air miles) for every S$5 spent on online transactions.
    • Spend at least S$100 on Zalora and get 15% off (use code DBS2018) until 31 December 2018. Subject to T&C.
    • Enjoy 0% interest instalments and no additional fees with tenures up to 12 months until 31 December 2018. Subject to T&C.

    You will earn 1 DBS Point or 2 air miles with every S$1 spent on other transactions. These points can be used to get vouchers from Crystal Jade, Takashimaya Department Store, and Esso. With 500 DBS Points, you can get 1,500 BIG Points, without any conversion fee till 31 December 2018. You can use the points instantly for online purchases at participating outlets like Activpass, Circles.Life, Homage, and WhyQ.

    Visit any malls in Singapore and use your accumulated points to offset your purchases or exchange for mall vouchers at the bank’s selected merchant outlets.

    The DBS Points can also be converted into KrisFlyer miles, Asia Miles, or AirAsia BIG Points. Should you choose to convert your points to your preferred airline’s frequent flyer programme, you have to pay a conversion fee of S$26.75 per redemption. The transfer of DBS Points will take around 1 to 2 weeks.

    Till 31 December 2018, you don’t have to pay an admin fee on your SMRT Taxi rides. Furthermore, enjoy 10% discount on qualifying hotel bookings on Hotels.com. You can book till 31 December 2018 for travel period of 31 March 2019.

    Annual Fee Interest Rate for Transactions (p.a.) Interest Rates for Cash Advance
    S$160.50 25.9% p.a. 28% p.a.

    DBS Woman’s World Mastercard: Best for Earning Miles on Overseas Spend

    • Receive 10 DBS Points or 20 miles for every S$5 spent on online transactions.
    • Get 6 air miles or 3 DBS Points with every S$5 spent on overseas purchases.
    • Accumulate your points to redeem dining and shopping vouchers, air miles, and movies discounts.

    You will earn 1 DBS Point or 2 air miles with every S$1 spent on other transactions. If you visit any mall in the country, you can use your accrued points to pay for your purchases or exchange for mall vouchers at the bank’s selected merchants outlets.

    These points can also be used to get vouchers from Crystal Jade, Takashimaya Department Store, and Esso. Get 1,500 BIG Points by accumulating 500 DBS Points, without any conversion fee till 31 December 2018.

    You can convert your DBS Points into KrisFlyer miles, Asia Miles, or AirAsia BIG Points. If you wish to transfer your points to your preferred airline’s frequent flyer programme, an administrative fee of S$26.75 for each redemption will be charged.

    Till 31 October 2018, you can enjoy 15% off on the total bill at The Landing Point, Lantern, The Lighthouse, The Clifford Pier, and The Courtyard. Shop for items worth S$100 or above and convert your payments into affordable instalments over 3, 6, or 12 months with the My Preferred Payment Plan (MP3). There are no interest charges and processing fees.

    Annual Fee Interest Rate for Transactions (p.a.) Interest Rates for Cash Advance
    S$192.60 25.9% p.a. 28% p.a.

    DBS Black Visa Card: Best for Earning Reward Points on Visa payWave Transactions

    • Earn 3 DBS Points with every S$5 spent on local Visa payWave transactions.
    • Pay for your purchases in instalments with My Preferred Payment Plan.
    • Earn 1 DBS Point per when you spend S$5 on all other purchases.

    DBS Black Visa Card holders can pay for their purchases through mobile wallets like Samsung Pay, Google Pay, and Apple Pay. You can pay for your purchases of S$100 and above in flexible instalments with My Preferred Payment Plan (MP3). Split your payments into 0% interest instalments for a tenure of 3,6, or 12 months with no processing fee, till 31 December 2018.

    From now till 31 December 2018, charge at least S$500 to this card on hotels, airlines, and at travel agencies and get 5x chances to win a pair of Singapore Airlines Suites (SIA) tickets to London, Paris, New York, Shanghai, or Sydney. With every S$500 spend on other retail transactions, get 1x chances to win the tickets. The draw will be conducted on 1 February 2019.

    You can use the accumulated DBS Points to receive vouchers from the Takashimaya Department Store, Crystal Jade, and Esso. You can even choose to convert your points into your preferred airline’s frequent flyer programmes like KrisFlyer, Asia Miles, and AirAsia BIG Points. You need to submit a redemption request via iBanking.

    Annual Fee Interest Rate for Transactions (p.a.) Interest Rates for Cash Advance
    S$192.60 25.9% p.a. 28% p.a.

    DBS Black American Express Card: Best for Earning Reward Points on All Transactions

    • Earn 1 DBS Point with every S$5 spent on your card on all purchases.
    • Get discounts at Chope, Beach Road Kitchen, The Line, and Colony.
    • Redeem the points for KrisFlyer miles, Asia Miles, and AirAsia BIG Points.

    Register your credit card with American Express and spend S$100 and above at participating outlets to get a cashback of S$10 on groceries. You can spend in one or more transactions and the offer is limited to the first 4,000 applicants. The selected outlets are Cold Storage, Giant, Jasons, Market Place, Guardian, FairPrice, Unity, and RedMart.

    These DBS points can be used to get vouchers from Crystal Jade, Takashimaya Department Store, and Esso. With 500 DBS Points, you can get 1,500 BIG Points, without any conversion fee till 31 December 2018. You can use the points instantly for online purchases at participating outlets like Activpass, Circles.Life, Homage, and WhyQ.

    You can choose to convert these DBS Points into KrisFlyer miles, Asia Miles, or AirAsia BIG Points. A conversion fee of S$26.75 will be charged for each redemption when you transfer these points to your preferred frequent flyer programme. The conversion of these points will take about 1 to 2 weeks.

    You can pay for your purchases of S$100 and above in flexible instalments with My Preferred Payment Plan (MP3).

    Annual Fee Interest Rate for Transactions (p.a.) Interest Rates for Cash Advance
    S$192.60 25.9% p.a. 28% p.a.

    DBS NUS Alumni Card: Best for NUS Alumni

    • With every transaction, DBS will contribute to NUS.
    • Get shopping, dining, entertainment, and wellness privileges with AlumNUS.
    • Earn 1 DBS Reward Point per S$5 spent on your card.

    Every time you spend on the DBS NUS Alumni Card, the bank will contribute to NUS to support its students with awards and bursaries. You can even get exclusive benefits on dining, shopping, wellness, and entertainment in Singapore and on campus.

    You can use this card at participating merchant outlets like Urben Stitch Tailor, THEFACESHOP, FoodLine.sg, Curatelier, Tipsy Toes Nail Bar, Marina at Keppal Bay, and Intune Music, to name a few.

    You can transfer the accumulated DBS Points to your preferred frequent flyer programme for a redemption fee of S$26.75. The conversion will take 1 week to 2 weeks and the request can be submitted via iBanking. These points can be converted into KrisFlyer miles, Asia Miles, or AirAsia BIG Points.

    You can even get store vouchers with these points from Takashimaya Department Store, Crystal Jade, and Esso. If you redeem 500 DBS Points, you will get 1,500 BIG Points with no conversion fee till 31 December 2018. Moreover, these points can be used for online purchases at selected outlets like Activpass, Circles.Life, and Homage.

    Annual Fee Interest Rate for Transactions (p.a.) Interest Rates for Cash Advance
    S$128.40 25.9% p.a. 28% p.a.

    DBS NUSS Card: Best for NUSS Members

    • Auto-pay your NUSS bills.
    • Annual fee waiver on your card on remaining an NUSS member.
    • Earn 2 DBS Points with every S$5 spent at any participating F&B outlets.

    Use your card for retail transactions in Singapore and get 1 DBS Point per S$5 spent. As a member of the NUSS Graduate Club, you can receive 2 free access to premium airport lounges at Changi Airport.

    Also, you can rent a yacht for your friends and family for as low as S$500. Pay an additional S$350 and host a BBQ party for 18 persons. You will also get a complimentary cooking service. The yacht has all fishing, snorkelling, and kayaking gears included.

    Spend a minimum of S$100 on Zalora using this credit card and get 15% off on the bill. This offer is valid till 31 December 2018. Also, get discounted rates on your movie tickets and snacks at Golden Village, valid till 31 December 2018.

    The DBS Points can be exchanged for Asia Miles, KrisFlyer miles, or AirAsia BIG Points. In case you choose to transfer your points to your chosen airline’s frequent flyer programme, you have to pay a conversion fee of S$26.75 per redemption.

    Annual Fee Interest Rate for Transactions (p.a.) Interest Rates for Cash Advance
    S$192.60 25.9% p.a. 28% p.a.

    DBS Altitude Visa Signature Card: Best for Earning Air Miles on Online Transactions

    • Earn up to 3 air miles per S$1 spent on online hotel and flight transactions.
    • Get 2 air miles per S$1 spent in a foreign currency.
    • Receive 1.2 miles with every S$1 spent on local transactions.

    You will earn 3 miles per S$1 spent on transactions on singaporeair.com, agoda.com, cathaypacific.com, expedia.com.sg, qatarairways.com, and airbnb.com.sg, to name a few. One of the key points to remember is that your accumulated air miles will never expire.

    Spend a minimum of S$25,000 on your card from the second year onwards and get your annual fee waived for the same year. Alternatively, receive 10,000 extra miles if you pay the annual fee of S$192.60 to renew the card membership.

    The air miles will be given to you in the form of DBS Points, where 1 DBS Point is equal to 2 air miles. On all your local purchases, you will get 3 DBS Points per S$5 spent, whereas on your overseas transactions, you will earn 5 DBS Points per S$5 spent. The online flight and hotel transactions will earn you a total of 7 DBS Points per S$5 for local and overseas purchases, together.

    You will get exclusive access to more than 1,200 airport lounges across the world with the Priority Pass membership. Under this, you will get 2 complimentary lounge visits each year.

    Annual Fee Interest Rate for Transactions (p.a.) Interest Rates for Cash Advance
    S$192.60 25.9% p.a. 28% p.a.

    DBS Altitude American Express Card: Best for Earning Bonus Air Miles

    • Get your annual fee waived if you spend S$25,000 each year.
    • Enjoy bonus 10,000 miles when you pay your annual fee.
    • Earn up to 3 air miles per S$1 spent on online hotel and flight transactions.

    Charge at least S$25,000 to your DBS Altitude American Express Card from the second year onwards and get your annual fee waived for the same year. Otherwise, get 10,000 additional air miles if you pay the annual fee of S$192.60 to renew the card membership.

    You will earn 3 miles per S$1 spent on online merchants like Singapore Airlines, Agoda, Cathay Pacific, Qatar Airways, Expedia, and Airbnb. You also get 2 miles per dollar on overseas spends in foreign currencies, and 1.2 miles on all local spends.

    This card also comes with a complimentary travel insurance plan of up to S$1 million for you and your family members. To get this plan, you must charge the entire travel fare to your credit card. Apart from this, you will have access to the DBS Altitude Butler Service to help you plan your vacations, reserve tables for lunch/dinner, and arrange transfer from airport to your hotel.

    Register your credit card with American Express and spend S$100 and above at participating outlets to get a cashback of S$10 on groceries. The offer is limited to the first 4,000 applicants.

    Annual Fee Interest Rate for Transactions (p.a.) Interest Rates for Cash Advance
    S$192.60 25.9% p.a. 28% p.a.

    DBS Live Fresh Student Card: Best for Students

    • Earn 0.3% cashback on all spends.
    • No minimum income required.
    • Use your credit card as EZ-Link card.

    You will earn cashback on all spends, which include online shopping and Visa payWave transactions via Samsung Pay, Google Pay, and Apple Pay. This card comes with a credit limit of S$500 and does not require you to earn an income. You can even use this card as an EZ-Link card by activating the EZ-Load facility. You can also link this card to your savings account (if any) and use it like an ATM card. One lucky cardholder will stand a chance to win a VIP party experience package worth S$10,000 with every S$50 spent. The package consists of drink credits worth S$600, 4 VIP tickets, ZoukOut Mystery Gifts, and a luxurious stay for 2 nights and 3 days at Capella Singapore. This student credit card could fly you for free if you get approval by 31 August 2018. Link the card with with AirAsia and register for the this offer online by 15 September 2018. Then, spend least S$150 within a month of approval and get 21,000 AirAsia BIG Points, which you can use to fly to Bangkok, Bali, Phuket, and Krabi, among others.

    Annual Fee Interest Rate for Transactions (p.a.) Interest Rates for Cash Advance
    S$128.40 25.92% p.a. 28.92% p.a.

    Compare DBS Cashback/Cash Rebate Cards

    DBS has 5 cashback/cash rebate cards in its portfolio. Here’s a quick glimpse of their benefits:

      DBS Live Fresh Card SAFRA DBS Card DBS Takashimaya Visa Card DBS Takashimaya American Express Card DBS Live Fresh Student Card
    Cashback/cash rebate on shopping (including online) 5% 3% 5% 6% 0.3%
    Cashback/cash rebate on contactless transactions 5% 3% NA NA 0.3%
    Cashback/cash rebate on all other spends 0.3% 0.3% 0.5% 0.5% 0.3%
    Welcome offer* Earn up to S$100 cashback if you apply online by 30 September 2018 Apply online before 31 October 2018 and get up to S$75 cashback NA NA Get the card approval by 31 August 2018 and get 21,000 AirAsia BIG Points.
    Other discounts/offers Yes Yes Yes Yes Yes

    *Welcome offers are subject to terms and conditions. Please check with the bank before applying for one.

    Compare DBS Rewards Cards

    DBS offers Rewards Points on its rewards credit cards. Know more about them in this table:

      DBS Woman’s Card DBS Woman’s World Card DBS Black Visa Card DBS Black American Express Card DBS NUS Alumni Card DBS NUSS Card
    Reward points on shopping ( including online) 5 per S$5 spent 10 per S$5 spent Up to 3 per S$5 spent 3 per S$5 spent 1 per S$5 spent 1 per S$5 spent
    Reward points on Visa payWave transactions 1 per S$5 spent 1 per S$5 spent 3 per S$5 spent 1 per S$5 spent 1 per S$5 spent 1 per S$5 spent
    Reward points on everything else 1 per S$5 spent 1 per S$5 spent 1 per S$5 spent 1 per S$5 spent 1 per S$5 spent 1 per S$5 spent
    Welcome gift* NA NA NA NA NA NA
    DBS Points validity 1 year 1 year 1 year 1 year 1 year 1 year
    Concierge service NA NA NA NA NA NA
    Hotel privileges Yes Yes Yes Yes Yes Yes
    Dining privileges Yes Yes Yes Yes Yes Yes
    Lounge access No No No No No Yes

    *Welcome offers are subject to terms and conditions. Please check with the bank before applying for one.

    Compare DBS Miles Cards

    DBS has 2 miles cards in its portfolio. The table given below can help you pick the right miles card:

      DBS Altitude Visa Signature Card DBS Altitude American Express Card
    Miles earned^ on select online transactions 3 3
    Miles earned overseas 2 2
    Miles earned locally 1.2 1.2
    Miles validity Unlimited Unlimited
    Lounge access Yes No
    Butler service Yes Yes
    Complimentary travel insurance Up to S$1 million Up to S$1 million

    ^ Miles earned are per dollar spent.

    *Welcome offers are subject to terms and conditions. Please check with the bank before applying for one.

    Why DBS Credit Cards: Features & Benefits

    • 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 recurring 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.

    Eligibility Requirement for DBS Cards

    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
    DBS Credit Card

    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

    • Passport
    • Employment Pass with at least 6 months’ validity. For passes that don’t have the required validity, include a copy of IPA
    • Utility or telecom bill showing your current residence address
    • Most recent computerised payslip AND Most Recent Income Tax NOA for 1 year (2 years for self-employed persons) OR previous year’s CPF Contribution History
    • Letter from employer confirming your income and employment status if you have been employed for less than 2 months

    DBS Card Reward 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 and cashback.

    Find More

    DBS Card Promotions

    From sign-up promotions to yearlong deals, DBS offers customers discounts, promotions, and more on dining, travel, shopping, entertainment, and more.

    Find More

    DBS Card Hotline

    Whether you’re in Singapore or overseas, for any assistance regarding DBS products or services, you can contact the bank on their dedicated hotline numbers.

    Find More
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