Compare the Best DBS Credit Cards in Singapore 2019

Updated December 2019

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.

Popular DBS Credit Cards

DBS Live Fresh Card

Up to 10%

Cashback on Online, Transport and Contactless spend

Up to S$80

Cash Back Cap per month

S$600

Min. Spend per month

Online Promotion: Enjoy up to S$180 cashback. Valid till 31 Mar 2020.

Up to 10%

Cashback on Online, Transport and Contactless spend

Up to S$80

Cash Back Cap per month

S$600

Min. Spend per month

Online Promotion: Enjoy up to S$180 cashback. Valid till 31 Mar 2020.

Key Features

  • Earn up to 10% cashback on your Transport spend (includes bus, train and taxi rides, and even ride-hailing services) with a minimum spend of S$600 per calendar month for the first 180 days from Card Approval Date
  • Earn 5% cashback on Online & Visa contactless spend with a minimum spend of S$600 per calendar month
  • Earn 0.3% cashback on all other spend
  • All-in-one card: Use the same card for your bus and train rides, and ATM withdrawals
  • Enjoy 1-year annual fee waiver

Annual Interest Rate and Fees

Annual Interest Rate26.80%
Principle Annual Fee$193
Supplementary Annual FeeS$96.30
Fee Waiver1 year
Minimum Monthly Repayment3.00% or S$50, whichever is higher
Interest Free Period20 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$45,000

Other

Card AssociationVisa
Wireless PaymentVisa Contactless, Apple Pay, Samsung Pay, Google Pay
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

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

S$1 = 1.2 Miles

Local Spend

S$1 = 2 Miles

Overseas Spend

S$1 = 4 Miles

Bus, MRT and Taxi rides

Online Promotion: Get up to 38,000 Miles Valid till 31 Mar 2020.

S$1 = 1.2 Miles

Local Spend

S$1 = 2 Miles

Overseas Spend

S$1 = 4 Miles

Bus, MRT and Taxi rides

Online Promotion: Get up to 38,000 Miles Valid till 31 Mar 2020.

Key Features

  • Enjoy up to 4 miles/S$1 on bus, MRT and taxi rides
  • 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 Rate26.80%
Principle Annual Fee$193
Supplementary Annual FeeS$96.30
Fee WaiverAvailable
Minimum Monthly Repayment3.00% 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 Contactless, Apple Pay, Samsung Pay, Google Pay
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

Online Promotion: Enjoy S$120 cashbackValid till 31 Mar 2020.

S$5 = 5X Points

on Online Spend

S$5 = 1X Point

on All Other Spend

1 Point = 2 Miles

Rewards to Miles Conversion

Online Promotion: Enjoy S$120 cashbackValid till 31 Mar 2020.

Key Features

  • 5X DBS Points (or 10 miles) per S$5 spent online
  • 1X DBS Points (or 2 miles) per S$5 spent on all other purchases
  • Shop now, pay later with 0% interest payment plans
  • Complimentary e-Commerce Protection on your online purchases
  • 1 year fee waiver, subsequent years waived with a minimum spend of S$15,000 p.a.

Annual Interest Rate and Fees

Annual Interest Rate26.80%
Principle Annual Fee$161
Supplementary Annual FeeS$80.25
Fee WaiverAvailable
Minimum Monthly Repayment3.00% 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

S$5 = 10X Points

on Online Spend

S$5 = 1X Points

on All Other Spend

1 Point = 2 Miles

Rewards to Miles Conversion

Online Promotion: Enjoy S$120 cashbackValid till 31 Mar 2020.

S$5 = 10X Points

on Online Spend

S$5 = 1X Points

on All Other Spend

1 Point = 2 Miles

Rewards to Miles Conversion

Online Promotion: Enjoy S$120 cashbackValid till 31 Mar 2020.

Key Features

  • 10X DBS Points (or 10 miles) per S$5 spent online
  • 3X DBS Points (or 6 miles) per S$5 spent overseas
  • 1X DBS Points (or 2 miles) per S$5 spent on all other purchases
  • Shop now, pay later with 0% interest payment plans
  • Complimentary e-Commerce Protection on your online purchases
  • 1 year fee waiver, subsequent years waived with min. spend of $25,000 p.a.

Annual Interest Rate and Fees

Annual Interest Rate26.80%
Principle Annual Fee$193
Supplementary Annual FeeS$96.3
Fee WaiverAvailable
Minimum Monthly Repayment3.00% 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

S$5 = 3X Points

on All Local Visa Contactless purchases

S$5 = 1X Points

on All Other Spend

1 Point = 2 Miles

Rewards to Miles Conversion

S$5 = 3X Points

on All Local Visa Contactless purchases

S$5 = 1X Points

on All Other Spend

1 Point = 2 Miles

Rewards to Miles Conversion

Key Features

  • 3X DBS Points (or 6 miles) per S$5 spent on all local Visa contactless purchases
  • 1X DBS Point (or 2 miles) per S$5 spent on all other purchases
  • Shop now, pay later with 0% interest payment plans

Annual Interest Rate and Fees

Annual Interest Rate26.80%
Principle Annual Fee$193
Supplementary Annual Fee$96.3
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 contactless, Apple Pay, Samsung Pay, Google Pay
DBS Live Fresh Visa Student Card

0.3%

Cash Back on All Spend

S$500

Credit Limit per month

18

Min. Age Requirement

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
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Best DBS Credit Cards 2019

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).

Try MoneySmart’s new KrisFlyer miles calculator

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 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.