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    DBS Rewards Credit Cards

    DBS offers a varied range of credit cards that cater to its wide consumer base. The DBS credit cards also offer cardholders rebates, miles and DBS Points on a wide range of expenses charged to the card and even offer attractive promotional offers. Here are the rewards credit cards offered by DBS:

    • DBS Black Card
    • DBS Live Fresh Card
    • DBS Woman's MasterCard
    • DBS Woman's World MasterCard
    • DBS NUS Alumni Card
    • DBS NUSS Card
    • DBS Takashimaya American Express Card

    Features and Benefits of DBS Rewards Credit Cards

    • DBS Black Card: Enjoy 5% cashback on shopping expenses incurred at grocery stores and departmental stores. The card earns 3 DBS points for every S$5 charged to the card through local Visa PayWave transactions. For all other transactions, the card earns 1 DBS point for every S$5 charged on.
    • DBS Live Fresh Card: The card earns 3 DBS points for every S$5 charged to the card on all online expenses. For all other expenses, the card earns 1 DBS point for every S$5 charged to the card. The card can also be used as an EZ-Link card.
    • DBS Woman's MasterCard: The card earns 5 DBS points or 10 miles for every S$5 charged to the card and offers the cardholder complimentary access to health clubs such as True Fitness and True Yoga.
    • DBS Woman's World MasterCard: The card earns 10 DBS points or 20 miles for every S$5 charged to the card and offers the cardholder complimentary access to True Fitness and True Yoga health clubs.
    • DBS NUS Alumni Card: The card earns 1 DBS point for every S$5 charged to the card and transactions made on the card sees a part of the transaction being given as contribution to support NUS students in various awards
    • DBS Takashimaya American Express Card: The card earns 2 Takashimaya bonus points on every S$10 charged to the card at Takashimaya stores. 100 Takashimaya bonus points can be redeemed for S$30 worth of Takashimaya gift vouchers.

    DBS Rewards Credit Cards Promotions

    The following promotions are applicable on the DBS Rewards Credit Cards:

    • Grey by Ortenhill: DBS Woman's cardholders can enjoy a discount of up to 15% on any 2 pairs at Grey by Ortenhill until 31 August 2017.
    • Naiise: DBS Woman's MasterCard cardholders can enjoy a discount of up to 10% on their total bill at Naiise if they are first-time shoppers by entering the promocode "NaiiseDBS10" during checkout. Existing Naiise users can get a discount of 5% by entering the promocode "NaiiseDBS5" at checkout. Cardholders can enjoy this offer until 31 August 2017.
    • Takashimaya store voucher: Cardholders who sign up for the DBS Takashimaya Visa Credit card online and have their applications approved by 31 August 2017 can get Takashimaya store vouchers worth S$80. Cardholders must charge a minimum of 5 retail transactions in the first month of having their card approved, to qualify for this offer.
    • Rabeanco: DBS cardholders can get discounts on both regular-priced items for up to 5% and an additional discount of 5% for items on sale at Rabeanco. The offer is valid until 31 December 2017.

    Interest Rates on DBS Rewards Credit Cards

    If the cardholder makes full payments on their outstanding credit card balances, then no finance charges will be levied. However, if they do not pay their outstanding balances in full, an interest rate of 25.90% p.a. will be applicable on all their transactions with a minimum interest of S$2.50 being charged. If they do not pay their minimum due by the statement due date, a penalty interest is levied which is an additional interest rate of 3% that is added to the existing credit card interest rate. The revised interest rate will take effect starting from the day after the next credit card statement date. The cardholder's prevailing interest rate is reinstated if they make the minimum payment in full before their next payment is due.

    Fees and Charges on DBS Rewards Credit Cards

    Product/Item Fees and charges
    DBS Black Card annual fees Principal card - S$192.60 (First-year fee waived). Supplementary card - S$96.30 (First-year fee waived).
    DBS Live Fresh Card Principal card - S$128.40 (First-year fee waived). Supplementary card - S$64.20 (First-year fee waived).
    DBS Woman's MasterCard Principal card - S$160.50 (First-year fee waived). Supplementary card - S$80.25 (First-year fee waived).
    DBS Woman's World MasterCard Principal card - S$192.60 (First-year fee waived). Supplementary card - S$96.30 (First-year fee waived).
    DBS NUS Alumni Card Principal card - S$128.40 (First-year fee waived). Supplementary card - S$77.04 (First-year fee waived).
    DBS NUSS Card Principal card - S$192.60 (First-year fee waived). Supplementary card - S$96.30 (No annual fee as long as cardholder is an NUSS member).
    DBS Takashimaya American Express Card Principal card - S$192.60 (First-year fee waived). Supplementary card - S$96.30 (First-year fee waived).
    Interest charges 25.90% p.a.
    Cash advance fee 6% of the withdrawn amount. The minimum charge is S$15.
    Interest on cash advance 28% p.a. The minimum charge is S$2.50.
    Late payment fee S$0 if outstanding balance is S$50 and below. S$100 if outstanding balance is above S$50:
    Minimum monthly due S$50 or 3% of the outstanding balance, whichever is higher.
    Lost or stolen card liability S$100 (maximum)

    Eligibility Criteria for DBS Rewards Credit Cards

    • Nationality criterion: Applicants who are Singaporean citizens, Permanent Residents or foreign nationals are eligible to apply for DBS rewards credit cards.
    • Age criterion:
      • Minimum age for principal cardholders - 21 years.
      • Minimum age for supplementary cardholders - 18 years.
    • Income criterion: Singapore citizens and Permanent Residents must earn at least S$30,000 per year while foreign nationals must earn at least S$45,000 per year. Applicants for the Woman's World MasterCard must earn an annual income of S$80,000.

    Documents Required for DBS Rewards Credit Cards

    The following documents must be submitted to complete your application process:

    • Salaried employees:
      • A copy of latest Income Tax Notice of Assessment dating back 12 months
      • A front and back copy of the applicant's NRIC
      • A copy of the latest computerised pay slip dating back 3 months
      • A copy of the applicant's CPF statement dating back 6 months
      • DBS account showing salary credit
    • Self-employed:
      • A front and back copy of the applicant's NRIC
      • A copy of latest Income Tax Notice of Assessment dating back 24 months
    • Variable or commission-based employees:
      • A front and back copy of the applicant's NRIC
      • A copy of the applicant's CPF statement dating back 12 months OR
      • A copy of latest Income Tax Notice of Assessment dating back 24 months
    • Foreign applicants:
      • A copy of the applicant's passport and employment pass both having a validity of at least 6 months during time of application
      • A copy of the latest Income Tax NOA if applicable or most recent computerised payslip.
      • A letter from their employer showing details of designation and salary in Singapore Dollars.
    • Supplementary credit card applicants:
      • A front and back copy of NRIC OR
      • A valid Passport.

    How to apply for DBS Rewards Credit Card

    Cardholders can apply for a DBS Rewards Credit Card online by visiting DBS Bank's official website and navigating to the respective credit card webpage for which they would like to submit an application. On the webpage, they must click on the option, "Apply Now" and follow the steps to successfully submit their application. Applicants can also apply for the card by using DBS iBanking Login.

    How to cancel DBS Rewards Credit Card

    Cardholders can cancel their DBS rewards credit card using the iBanking Messages function. They must use their User ID and PIN to login. Then click on "Messages" on the top right and click on, "Compose". They have to then enter their 6-digit secure PIN, select the topic as "Credit Cards" and subject as "Cancel Card", provide their credit card number which they wish to cancel, select a reason for cancellation and then click on, "Submit". Alternatively, they can also cancel their credit card by writing to DBS at:

    "DBS Cards

    Orchard Road

    P.O. Box 360

    Singapore 912312"

    Cardholders must provide their credit card number and signature. There is no requirement to provide a reason for cancellation.

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