Compare the Best DBS Credit Cards in Singapore 2018

Updated October 2018

Looking for the best DBS credit card in Singapore? Compare and find your ideal card with MoneySmart’s easy-to-use credit card comparison tool.

Popular DBS Credit Cards

DBS Live Fresh Card
DBS Live Fresh Card

Up to 5%

Cash Back on Online Spend & Contactless Payments

S$60

Cash Back Cap per month

S$600

Min. Spend per month

  • ZoukOut VIP party experience worth S$10,000
  • Online Exclusive: Up to S$150 cashback
  • +1 more

Other Promotions

  • Win a pair of SQ Suites return tickets to one of these 5 locations

Key Features

  • 5% cashback on online shopping and when you pay using Visa payWave, Apple Pay, Samsung Pay or Google Pay through your Card
  • Get 0.3% cashback on everything else with no cap on rebates
  • Auto EZ-Reload
  • 1-year annual fee waiver

Annual Interest Rate and Fees

Annual Interest Rate25.90%
Principle Annual Fee$128
Supplementary Annual Fee64.2
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period20 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$45,000

Other

Card AssociationVisa
Wireless PaymentVisa payWave, Apple Pay, Samsung Pay, Google Pay
DBS Takashimaya American Express Card
DBS Takashimaya American Express Card

S$10 = 2 Taka Points

at Takashimaya Department Store & Takashimaya Square, B2

S$10 = 2 Taka Points

on All Other Spend at Selected Stores

S$30 Vouchers

converted from 100 Taka Points

Key Features

  • Additional 10% savings during selected sale events at Takashimaya Department Store
  • Get a $30 Takashimaya Voucher with 100 points (S$500 spend)
  • Receive S$3 top-up to CashCard with min. spend of S$120 at Takashimaya Department Store

Annual Interest Rate and Fees

Annual Interest Rate25.90%
Principle Annual Fee$193
Supplementary Annual Fee96.3
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period20 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$45,000

Other

Card AssociationVisa, American Express
Wireless PaymentVisa payWave, Apple Pay, Samsung Pay, Google Pay
DBS Altitude Visa Signature Card
DBS Altitude Visa Signature Card

S$1 = 1.2 Miles

Local Spend

S$1 = 2 Miles

Overseas Spend

S$1 = 3 Miles

Selected Online Hotel and Flight bookings

  • Win a pair of SQ Suites return tickets to one of these 5 locations

Key Features

  • Enjoy up to 3 miles/S$1 on all spend
  • Complimentary travel insurance coverage of up to S$1 million
  • 10,000 bonus miles upon paying annual membership fee; Miles never expire

Annual Interest Rate and Fees

Annual Interest Rate25.90%
Principle Annual Fee$193
Supplementary Annual Fee96.3
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period20 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$45,000

Other

Card AssociationVisa, American Express
Wireless PaymentVisa payWave, Apple Pay, Samsung Pay, Google Pay
DBS Woman's Card
DBS Woman's Card

S$5 = 5X Points

on Online Spend

S$5 = 1X Point

on All Other Spend

1 Point = 2 Miles

Rewards to Miles Conversion

  • Win a pair of SQ Suites return tickets to one of these 5 locations

Key Features

  • Earn 5X Rewards ( 5 DBS Points OR 10 miles per S$5 spent) when shopping online
  • Earn 1X Rewards (1 DBS Point OR 2 miles per S$5 spend) on all other purchases
  • Shop now, pay later with 0% interest payment plans
  • Enjoy 15% off on medical packages at Global Health and Travel

Annual Interest Rate and Fees

Annual Interest Rate25.90%
Principle Annual Fee$161
Supplementary Annual Fee80.25
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period20 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$45,000

Other

Card AssociationMasterCard
Wireless PaymentApple Pay, Samsung Pay, Google Pay
DBS Woman's World Card
DBS Woman's World Card

S$5 = 10X Points

on Online Spend

S$5 = 1X Points

on All Other Spend

1 Point = 2 Miles

Rewards to Miles Conversion

  • Win a pair of SQ Suites return tickets to one of these 5 locations

Key Features

  • Earn 10X Rewards (10X DBS Points OR 20 miles) for every S$5 spent online
  • Earn 3X Rewards (3X DBS Points OR 6 miles) for every S$5 spent overseas
  • Shop now, pay later with 0% interest payment plans over 3, 6 or 12 months

Annual Interest Rate and Fees

Annual Interest Rate25.90%
Principle Annual Fee$193
Supplementary Annual Fee96.3
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period20 days

Minimum Income Requirements

Singaporean$80,000
Foreigner$80,000

Other

Card AssociationMasterCard
Wireless PaymentApple Pay, Samsung Pay, Google Pay
DBS Black Visa Card
DBS Black Visa Card

S$5 = 3X Points

on All Local Visa PayWave purchases

S$5 = 1X Points

on All Other Spend

1 Point = 3 Miles

Rewards to Miles Conversion

  • Win a pair of SQ Suites return tickets to one of these 5 locations

Key Features

  • 3X DBS Points per S$5 spent on all local Visa payWave purchases
  • 1X DBS Point per S$5 spent on all other purchases
  • Shop now, pay later with 0% interest payment plans

Annual Interest Rate and Fees

Annual Interest Rate25.90%
Principle Annual Fee$193
Supplementary Annual Fee96.3
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period20 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$45,000

Other

Card AssociationVisa, American Express
Wireless PaymentVisa payWave, Apple Pay, Samsung Pay, Google Pay
DBS Esso Card
DBS Esso Card

27.6%

Discount on Fuel Purchases at Esso

17%

Instant Discount at Esso

1 Smiles Point

per 1 litre of Synergy fuel purchased at Esso

Key Features

  • Up to 27.6% fuel savings (17% instant discount + S$60 in Smiles Points* + 2.3% Smiles Savings^
  • *S$60 in Smiles Points with min. spend of S$600; ^2.3% Smiles Savings with purchase of 250L of Synergy fuel per calendar month
  • Free fuel when you convert your shopping, dining and all retail spend into Smiles Points
  • S$10 charged outside of Esso = 1 Smiles Point
  • S$30 fuel voucher = 750 Smiles Points
  • 0% interest-free Instalment Payment Plan for Motor Insurance and Road Tax

Annual Interest Rate and Fees

Annual Interest Rate25.90%
Principle Annual Fee$86
Supplementary Annual Fee42.8
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period20 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$45,000

Other

Card AssociationMasterCard
Wireless PaymentMasterCard PayPass, Apple Pay, Samsung Pay, Google Pay
DBS Live Fresh Visa Student Card
DBS Live Fresh Visa Student Card

0.3%

Cash Back on All Spend

S$500

Credit Limit per month

18

Min. Age Requirement

Key Features

  • 0.3% cashback on online shopping and contactless payments
  • Contactless payments: Visa payWave, Apple Pay, Samsung Pay, Google Pay
  • Enjoy 5-year annual fee waiver

Annual Interest Rate and Fees

Annual Interest Rate25.90%
Principle Annual Fee$128
Supplementary Annual FeeN/A
Fee Waiver5 years fee waiver
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period20 days

Minimum Income Requirements

Singaporean$0
Foreigner$0

Other

Card AssociationVisa
Wireless PaymentVisa payWave, Apple Pay, Samsung Pay, Google Pay
All results loaded

Best DBS Credit Cards 2018

Best ForCredit CardAnnual Fee Wavier
Online shopping and mobile paymentsDBS Live Fresh Card1st year fee waiver (U.P. S128.4)
Budget travelling and hotel bookingsDBS Altitude Visa Signature Card1st year fee waiver (U.P. S192.6)
Making big online purchasesDBS Woman's World Card1st year fee waiver (U.P. S192.6)
0% interest payment plansDBS Black Visa Card1st year fee waiver (U.P. S192.6)
Pumping petrol at EssoDBS Esso Card1st year fee waiver (U.P. S85.6)

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Use our new KrisFlyer miles redemption calculator and find out which destinations you can travel for free on a travel class of your choice.

DBS Rewards

Here’s a quick introduction to DBS’ credit card rewards programme: Earn DBS points when you spend on your DBS credit card(s) and redeem them for cash rebates, shopping vouchers and even air miles. Don’t have a DBS credit card yet? Don't forget to check out the latest sign-up promotions aswell.

DBS points

The base earn rate is $5 = 1 DBS point (usual exclusions like bills, installments, etc apply), but you can earn up 10X more with a DBS Rewards credit card. The amount spent is rounded down to the nearest whole number (e.g. spending $25.01 to $29.99 will earn 5 DBS points). DBS points expire 1 year from the quarter in which they were earned (e.g. points earned between 1 Jul to 30 Sep 2018 will expire on 30 Sep 2019).

DBS points to miles

Any DBS credit card can be a “DBS miles card” because you can easily convert your DBS rewards points to KrisFlyer miles and Asia Miles (1 DBS point = 2 air miles)! Conversions must be done in blocks of 5,000 DBS points, and there is a $26.75 admin fee for each transaction. It takes 1 to 2 weeks for the DBS points to be transferred into your preferred frequent flyer account.

DBS rewards redemption

DBS points redemption can be done online via the DBS Rewards website, DBS Lifestyle app and digibank Online, as well as participating merchant stores, websites, and/or mobile apps. If you’ve chosen to redeem vouchers, you can expect them within 7 working days. To check your DBS points balance, call 1800 111 1111 (24h). For more information, visit the DBS Rewards catalogue.

Activate DBS credit card overseas

Want to conveniently withdraw money at DBS ATMs overseas? Enable your DBS credit cards for overseas use via digibank Mobile, digibank Online, SMS banking, the DBS Lifestyle app or at any DBS/POSB ATM in Singapore. For purchases in foreign currencies, the overseas transaction fee is 2.8% for Visa/MasterCard, and 3% for American Express (DBS admin fee + currency conversion charge by Visa/MasterCard). For payments converted to SGD via dynamic currency conversion, it is 1% (admin fee by Visa/MasterCard). For overseas charges in SGD, it is 1% (admin fee by Visa/MasterCard).

DBS credit card hotline

The DBS hotline for lost cards is 1800 339 6963 (Singapore) / 65 6339 6963 (overseas). The general DBS card hotline is 1800 111 1111 (Singapore) / 65 6339 6666 (overseas), which is used for DBS phone banking and other inquiries like annual fee waiver requests, credit card balance transfers and more.

Frequently Asked Questions

How to activate EZ Link on DBS credit card?

Upon issuance, DBS Live Fresh Credit cards are already enrolled for the EZ-Reload auto top-up service. To manually top up your EZ-Link-enabled credit card(s), either head to General Ticketing Machines at MRT/LRT stations (after receiving the activation SMS), or go to a DBS/POSB ATM and select ‘More Services’ and ‘NETS FlashPay/Cashcard/ez-link/Concession Card’. To terminate the EZ-Reload facility, call 6496 8300 (Mon to Sun, 8am to 6pm).

How to activate DBS credit card via SMS?

All new DBS credit cards need to be activated before use. To activate it via SMS, send the following to 77767: Activate last 4 digits of card. You can also activate your card via digibank Online, digibank Mobile, the DBS Lifestyle app and at any DBS/POSB ATM.

How to activate DBS credit card via ibanking?

All new DBS credit cards need to be activated before use. To activate it via ibanking, log into digibank Online, digibank Mobile or the DBS Lifestyle app, select ‘Activate Credit Cards’, and log in with your 6-digit iBanking PIN. Choose your preferred credit card and submit. You can also activate your card via SMS banking and at any DBS/POSB ATM.