DBS offers a wide variety of credit cards to Singaporeans, and rewards every kind of spending conceivable. However, DBS does not have a dedicated dining credit card in its repertoire. This does not mean that you cannot use any of the DBS credit cards for your dining purchases, nor does it mean that DBS is stingy about dining discounts. Here are the credit cards by DBS that offer dining benefits:
DBS Dining Credit Card Promotions
The following are among the best dining promotions available on dining credit cards under DBS Bank currently:
- Get 1-for-1 buffet for lunch and dinner at Kintamani Indonesian Restaurant and The Square @ Furama, up to 31 March 2018. As a DBS cardholder, you also get a free 500g cake during your birthday month.
- Get 1 buffet lunch free on 1 full-paying customer, and 50% discount for every second diner at dinner buffet. The offer is valid until 31 March 2018.
- At Beach Road Kitchen, the second diner can get 50% concession on their orders with one full-paying customer. Applicable on buffet dinner and Sunday brunch until 31 December 2017.
- Get 1 buffet free on paying for 1 at Hotel Grand Pacific Singapore. Applicable on Peranakan lunch and dinner buffet up to 31 December 2017.
- On DBS Woman’s MasterCard and World MasterCard, get a free bottle of wine through the MasterCard Wine Privileges at all participating restaurants. The offer is valid up to 30 September 2017.
- Enjoy a free buffet for 1 person on 1 full-paying adult diner at Seasonal Tastes, The Westin. Also get waiver on 1 person’s bill in case of 3 paying adult customers OR waiver on 1 child’s bill in case of 2 paying adults, available only for Sunday Family Lunch. The offer expires on 30 September 2017.
Features & Benefits of DBS Dining Credit Cards
Here are the salient features and advantages of the various dining credit cards offered by DBS:
DBS Lifestyle App: All DBS credit cards give you access to the DBS Lifestyle App, through which you can keep track of the promotional offers on dining, travel, shopping, and other categories.
Cashback on food transactions: You get up to 10% cashback on your online food orders at Deliveroo, Foodpanda or McDelivery through DBS Live Fresh Credit Card if you spend at least S$700 in a month. The SAFRA DBS Card offers you 0.3% cash rebate on food transactions (its highest cash rebate of 3% is for contactless and online payments).
Reward points and miles: With the DBS Altitude Visa Signature or American Express cards, you can earn 1.2 miles on all local expenses and 2 miles on all overseas purchases, both of which also include dining spends. The DBS Live Fresh Student Card gives you 1 DBS Point for every S$5 you spend. The points can be accumulated and redeemed for discount vouchers at dining establishments, among other things.
Special dining privileges: The DBS Woman’s World MasterCard, DBS Takashimaya Visa Card, DBS NUSS Card, and DBS NUS Alumni Card come with special dining offers across Singapore and abroad. The Woman’s World MasterCard also has MasterCard Wine Privileges and invitations to exclusive events.
24x7 Butler services: The DBS Altitude Cards also allows you to use the services of the DBS Altitude Butler, who can make dinner reservations for you at fine dining outlets, among other services such as hotel bookings and making travel arrangements.
Interest Rates for DBS Dining Credit Cards
DBS charges an interest rate of 25.90% p.a. on your outstanding credit card amount. If you pay your bill in full every month before the due date, no interest will be charged. But if you leave any amount pending, interest will be charged only on this remaining amount. If you fail to pay even the minimum amount required by the due date, then a penalty of 3% will be added to the interest and a total of 28.90% will be charged until you make the required payment. If you make a cash withdrawal from any of these dining credit cards, the applicable interest rate would be 28% p.a.
Fees and Charges for DBS Dining Credit Cards
The fees applicable on DBS dining credit cards are listed in the table below:
||S$128.40 for the DBS Live Fresh and Live Fresh Student Cards, and DBS NUS Alumni Card
No fee for SAFRA members for the SAFRA DBS Card
S$192.60 for DBS Woman’s World MasterCard, DBS NUSS Card, DBS Altitude Visa Signature and DBS Altitude American Express Cards
|Late payment fee
||S$100 for balance above S$50
|Minimum monthly payment
||3% of the bill or S$50, whichever is greater
If there are any overdue amounts, that is also required to be paid
|Cash advance fee
||6% of the amount or S$15, whichever is greater
Eligibility Criteria for DBS Dining Credit Cards
To apply for a DBS dining credit card, you need to meet some basic criteria such as:
Annual income requirements: This ranges from no income for the Live Fresh Student Card and S$30,000 for the NUS or Altitude Cards to S$80,000 for the DBS Woman’s World MasterCard.
Minimum age requirement: You need to be at least 18 years old to get the DBS Live Fresh Student Card and at least 21 years old to get any of the other DBS credit cards.
Membership requirements: Some cards like the SAFRA DBS Card and the NUS cards will require you to be members of a club or institution in order to apply for the particular credit card.
Documents Required For DBS Dining Credit Cards
You need to provide the following documents to get your credit card application approved by DBS:
Identity proof: This would be a copy of NRIC for Singaporeans and Permanent Residents, and passport and employment pass for foreigners living in Singapore.
Address proof: You could present utility bills showing your current address. This is required only for foreigners.
Income proof: Computerised payslips, latest CPF contribution history statement, latest Income Tax Notice of Assessment, and bank statements can be submitted to confirm your income and employment.
Membership cards: Student ID card, NUS ID card, SAFRA membership card, etc. need to be submitted if you are applying for the credit cards associated with these institutions.
How to Apply For DBS Dining Credit Cards
DBS allows you to apply for its credit cards in these 2 ways:
Online: You can visit the DBS web portal and apply directly. You can fill in the application form and upload the copies of the required documents.
Offline: You can visit any DBS branch close to you with the documents required and fill up the application form there.
How to Cancel DBS Dining Credit Cards
You can cancel a DBS dining card by informing the bank in writing. Once a primary card is terminated, the supplementary cards will also be cancelled along with it. You also need to ensure that you are tearing up or cutting up the cancelled cards before throwing them in the bin, to prevent misuse.
If you have any products under 0% Instalment Payment Plan (IPP), you will have to pay off the remaining instalments before you can terminate the credit card. IPP termination also attracts an admin fee of S$150. You also need to clear all outstanding dues before applying to cancel your card. You should also redeem your miles or rewards or cash rebates before termination to avoid any losses.