Compare the Best DBS Credit Cards in Singapore 2020

Looking for the best DBS credit cards in Singapore? Compare and find your ideal card with MoneySmart’s easy-to-use credit card comparison tool. Read More
We found 8 DBS Credit Cards for you!
DBS logo
Online & Visa Contactless Spend
Cash Back on Online Spend & Visa Contactless
Up to 5%
Min. Spend
S$600
Cash Back Cap
S$60
Apply Now
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Online Shopping
Online Spend
S$5 = 5 Points
Agoda Staycation
S$ = 5 Points
Min. Spend
S$0
Apply Now
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Earn Miles That Never Expire
Local Spend
S$1 = 1.2 Miles
Overseas Spend
S$1 = 2 Miles
Staycation bookings
S$1 = 10 Miles
Apply Now
DBS logo
Online Spend
S$5 = 10 Points
Base Earn Rate
S$5= 1 Point
Min. Spend
S$0
Apply Now
DBS logo
Earn Miles That Never Expire
Local Spend
S$1 = 1.2 Miles
Overseas Spend
S$1 = 2 Miles
Staycation bookings
S$1 = 10 Miles
Apply Now
DBS logo
Frequent Shoppers at Takashimaya
At Takashimaya
S$10 = 2 Taka Points
Additional Takashimaya discount
10%
Cash card top up
S$6
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On Visa Contactless
S$5 = 3 Points
on All Other Spend
S$5 = 1 Point
Min. Spend
S$0
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DBS logo
Cash Back on McDonald’s, Starbucks, Netflix etc.
5%
Spending Cap
S$500
Min. Income
S$0
Apply Now

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DBS Credit Card Hotline

Speak to the DBS customer service about your DBS/ POSB credit card benefits, rewards, miles, balance, and annual fee waiver etc. by calling the hotline at 1800 111 1111 or +65 6339 6666 if you’re calling from overseas. If you’ve lost your DBS or POSB credit card or encountered a fraudulent transaction, call 1800 339 6963 or +65 6339 6963 if you’re calling from overseas. Alternatively, you could chat with a virtual chatbot on the DBS website, tweet at, or send an email to DBS.

DBS Credit Card Waiver

There are 4 ways you could request for a DBS credit card annual fee waiver: submit a request via the DBS online banking website’s digibot, submit a request via DBS digibank online, call the DBS customer service hotline at 1800 111 111, or visit your nearest DBS or POSB branch.

DBS Credit Card Promotion

Ongoing DBS credit card promotions included 1 for 1 lunch or dinner buffets at Triple Three, Asian Market Cafe, Seasonal Tastes, Element Restaurant, Coleman Cafe, and Atrium Restaurant. Other shopping promotions include Lazada, Qoo10, Pet Lovers Centre, SMEG, Taobao, Samsonite, and more. Check the DBS credit card promotions page for more promos and discounts.

Best DBS Credit Card 2020

DBS Credit CardBest ForFee Waiver
DBS SAFRA Credit Card3% Cash rebates on online purchasesN/A (As long as you are paying for your Safra membership)
DBS Altitude American Express Card CardS$1 = 4 miles on online travel bookingsAvailable
DBS Live Fresh Card 5% Cashback on online and contactless paymentsFirst Year Waived
DBS Black Visa Credit CardS$1 = 1.2 air miles on contactless paymentsFirst Year Waived
DBS Woman’s World CardS$1 = 4 air miles on online spendFirst Year Waived
DBS Esso Card18% upfront discount at EssoFirst Year Waived

DBS Credit Card Application

How to apply for a DBS credit card? If you’re an existing DBS banking or credit card customer, login to your DBS ibanking to apply for your credit card of choice. Alternatively, visit the DBS website, click on your credit card of choice and select “Apply Now”. You will be asked to submit an application via Singpass MyInfo. To check on your DBS credit card application status, call the customer service hotline at 1800 111 1111. Finally, when you receive the physical credit card, you will need to activate your new DBS credit card before use.

Cancel DBS Credit Card

How to cancel your DBS credit card? To cancel your DBS credit card, visit the DBS Banking and Credit Cards help and support page. You will find a virtual assistant function. Click on “Cancel Now” to start the cancellation process. Alternatively, you can submit an online form via the same DBS support page to start the cancellation process.

DBS Rewards

If you’re using a DBS credit card, you’ll be able to accumulate DBS rewards points from your purchases. If you’re using a DBS Corporate, Purchasing, Country Club, Live Fresh Card, Takashimaya Esso, or SAFRA card, you don’t earn DBS points.

DBS points

Your rewards points earn rate differs from card to card. For example, DBS Altitude card holders may earn 3 DBS Points per S$5 spent online in local currency but DBS Woman’s card holders may earn 10 DBS Points per S$5 spent online in local currency. Some transactions do not qualify for DBS points accrual, such as bill payments via AXS, SAM, payments to educational, governmental, insurance, financial, medical, and non-profit organisations, gambling and betting, top-ups to prepaid mobile wallets and cards such as EZ-Link, GrabPay, and Singtel Dash, and instalment plans. These are called general exclusions and you will find them across all major banks in Singapore. An important thing to note is the expiry date: your DBS Points expire a year from your credit card account opening date. In subsequent years, DBS Points expire a year from the date it was earned. That means you will need to keep track of your DBS Points and redeem them promptly.

DBS points to miles

Any DBS credit card can be a “DBS miles card” because you can easily convert your DBS rewards points to Singapore Airlines’ KrisFlyer miles, Cathay Pacific’s Asia Miles, Qantas Points, or AirAsia BIG Points when you enrol in the DBS Rewards Frequent Flyer Programme. For every 1 DBS point, you get 2 air miles. Conversions must be done in blocks of 5,000 DBS points, takes 7 working days, and is subject to a $26.75 transfer fee for each transaction.

DBS rewards redemption

To redeem your DBS rewards points, log in to DBS digibank, select “Cards”, followed by “Redeem Rewards”. You will then be able to browse the rewards redemption catalogue and add items to cart. Alternatively, log in to the DBS Rewards website to browse the rewards redemption catalogue and redeem e-vouchers, rebates, and air miles. Finally, if you have the DBS Lifestyle App downloaded on your mobile device, find the “Rewards” category and you will be able to browse the catalogue. To check your DBS points balance, call the DBS customer s service hotline at 1800 111 1111.

DBS Credit Card Overseas Activation

To use your DBS credit card for retail purchases and cash withdrawal at DBS ATMs overseas, you will first need to activate your DBS credit card for overseas use. There are a couple of ways you can activate your DBS credit card: via DBS digibank Mobile, digibank Online, SMS banking, the DBS Lifestyle app, or at any DBS or POSB ATM in Singapore. For purchases in foreign currencies, the overseas transaction fee is 2.8% for Visa or MasterCard, and 3% for American Express (basically the DBS admin fee plus currency conversion charges). For payments converted to SGD via dynamic currency conversion, it is 1% (admin fee by Visa or MasterCard). For overseas charges in SGD, it is 1% (admin fee by Visa or MasterCard).

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DBS Student Credit Card

There is a S$500 credit card with no minimum spend, no minimum income, annual fee waiver, and a S$500 spending limit for students enrolled in polytechnics and universities in Singapore. The DBS Live Fresh Card offers students 5% cashback on purchases at Golden Village, Starbucks, McDonald’s, Netflix, and Spotify. Eligible students should be aged between 18 and 27, enrolled in NUS, NTU, SMU, SUTD, SUSS, SIT, Nanyang Polytechnic, Ngee Ann Polytechnic, Temasek Polytechnic, Singapore Polytechnic, or Republic Polytechnic.

Frequently Asked Questions

How to activate DBS Credit Card via SMS?

To activate your new DBS credit card via SMS banking, you will have to use your registered primary Singapore mobile number and SMS this keyword to 77767: “Activate Last 4 digits of Card”. Your SMS may look like, “Activate 1234”.

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.

How to set SMS alert for DBS credit card?

To set SMS transaction alerts for your DBS credit card, log in to your DBS digibank online, go to “Manage Alerts” located on the top right hand of the webpage, and enable alerts for your DBS credit card. You will be required to set a threshold limit.

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).