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.
Up to 5%
Cash Back on Online Spend & Contactless Payments
S$60
Cash Back Cap per month
S$600
Min. Spend per month
| Annual Interest Rate | 25.90% |
|---|---|
| Principle Annual Fee | $128 |
| Supplementary Annual Fee | 64.2 |
| Fee Waiver | Available |
| Minimum Monthly Repayment | 3% or S$50, whichever is higher |
| Interest Free Period | 20 days |
| Singaporean | $30,000 |
|---|---|
| Foreigner | $45,000 |
| Card Association | Visa |
|---|---|
| Wireless Payment | Visa payWave, Apple Pay, Samsung Pay, Google Pay |
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
| Annual Interest Rate | 25.90% |
|---|---|
| Principle Annual Fee | $193 |
| Supplementary Annual Fee | 96.3 |
| Fee Waiver | Available |
| Minimum Monthly Repayment | 3% or S$50, whichever is higher |
| Interest Free Period | 20 days |
| Singaporean | $30,000 |
|---|---|
| Foreigner | $45,000 |
| Card Association | Visa, American Express |
|---|---|
| Wireless Payment | Visa payWave, Apple Pay, Samsung Pay, Google Pay |
S$1 = 1.2 Miles
Local Spend
S$1 = 2 Miles
Overseas Spend
S$1 = 3 Miles
Selected Online Hotel and Flight bookings
| Annual Interest Rate | 25.90% |
|---|---|
| Principle Annual Fee | $193 |
| Supplementary Annual Fee | 96.3 |
| Fee Waiver | Available |
| Minimum Monthly Repayment | 3% or S$50, whichever is higher |
| Interest Free Period | 20 days |
| Singaporean | $30,000 |
|---|---|
| Foreigner | $45,000 |
| Card Association | Visa, American Express |
|---|---|
| Wireless Payment | Visa payWave, Apple Pay, Samsung Pay, Google Pay |
S$5 = 5X Points
on Online Spend
S$5 = 1X Point
on All Other Spend
1 Point = 2 Miles
Rewards to Miles Conversion
| Annual Interest Rate | 25.90% |
|---|---|
| Principle Annual Fee | $161 |
| Supplementary Annual Fee | 80.25 |
| Fee Waiver | Available |
| Minimum Monthly Repayment | 3% or S$50, whichever is higher |
| Interest Free Period | 20 days |
| Singaporean | $30,000 |
|---|---|
| Foreigner | $45,000 |
| Card Association | MasterCard |
|---|---|
| Wireless Payment | Apple Pay, Samsung Pay, Google Pay |
S$5 = 10X Points
on Online Spend
S$5 = 1X Points
on All Other Spend
1 Point = 2 Miles
Rewards to Miles Conversion
| Annual Interest Rate | 25.90% |
|---|---|
| Principle Annual Fee | $193 |
| Supplementary Annual Fee | 96.3 |
| Fee Waiver | Available |
| Minimum Monthly Repayment | 3% or S$50, whichever is higher |
| Interest Free Period | 20 days |
| Singaporean | $80,000 |
|---|---|
| Foreigner | $80,000 |
| Card Association | MasterCard |
|---|---|
| Wireless Payment | Apple Pay, Samsung Pay, Google Pay |
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
| Annual Interest Rate | 25.90% |
|---|---|
| Principle Annual Fee | $193 |
| Supplementary Annual Fee | 96.3 |
| Fee Waiver | Available |
| Minimum Monthly Repayment | 3% or S$50, whichever is higher |
| Interest Free Period | 20 days |
| Singaporean | $30,000 |
|---|---|
| Foreigner | $45,000 |
| Card Association | Visa, American Express |
|---|---|
| Wireless Payment | Visa payWave, Apple Pay, Samsung Pay, Google Pay |
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
| Annual Interest Rate | 25.90% |
|---|---|
| Principle Annual Fee | $86 |
| Supplementary Annual Fee | 42.8 |
| Fee Waiver | Available |
| Minimum Monthly Repayment | 3% or S$50, whichever is higher |
| Interest Free Period | 20 days |
| Singaporean | $30,000 |
|---|---|
| Foreigner | $45,000 |
| Card Association | MasterCard |
|---|---|
| Wireless Payment | MasterCard PayPass, Apple Pay, Samsung Pay, Google Pay |
0.3%
Cash Back on All Spend
S$500
Credit Limit per month
18
Min. Age Requirement
| Annual Interest Rate | 25.90% |
|---|---|
| Principle Annual Fee | $128 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | 5 years fee waiver |
| Minimum Monthly Repayment | 3% or S$50, whichever is higher |
| Interest Free Period | 20 days |
| Singaporean | $0 |
|---|---|
| Foreigner | $0 |
| Card Association | Visa |
|---|---|
| Wireless Payment | Visa payWave, Apple Pay, Samsung Pay, Google Pay |
| Best For | Credit Card | Annual Fee Wavier |
|---|---|---|
| Online shopping and mobile payments | DBS Live Fresh Card | 1st year fee waiver (U.P. S128.4) |
| Budget travelling and hotel bookings | DBS Altitude Visa Signature Card | 1st year fee waiver (U.P. S192.6) |
| Making big online purchases | DBS Woman's World Card | 1st year fee waiver (U.P. S192.6) |
| 0% interest payment plans | DBS Black Visa Card | 1st year fee waiver (U.P. S192.6) |
| Pumping petrol at Esso | DBS Esso Card | 1st year fee waiver (U.P. S85.6) |
Use our new KrisFlyer miles redemption calculator and find out which destinations you can travel for free on a travel class of your choice.
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.
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).
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 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.
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).
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.
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).
All new DBS credit cards need to be activated before use. To activate it via SMS, send the following to 77767: Activate
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.
