S$1 = 1 TREATS Point

on all local spend excluding petrol

1 TREATS Point = 1 DUO Point

on all local spend excluding petrol

^S$0

Min. spend per month

All Details

• Key Features

  • 5% cashback on petrol charges in Singapore and Malaysia on top of existing station discounts

  • 1.5% unlimited cashback on all foreign currency spendings

  • Ability to convert TREATS Points to DUO Points to redeem DUO Rewards

  • Complimentary travel insurance coverage of up to S$500,000

  • First 3 years annual fee waived

Rewards

Good

• 1 TREATS Point for every S$1 spent on all charges, excluding selected petrol transactions

• Ability to convert TREATS Points to DUO Points to redeem DUO Rewards

• 1 DUO Point for every S$1 TREATS Point converted, with no extra charges

• DUO Points will expire two years after the end of each month in which they are earned

Petrol

Good

• 5% Cashback on all petrol transactions in Singapore and Malaysia on top of existing station discounts

• No minimum spend and no cap

Overseas Spending

Good

• 1.5% Cashback for all transactions spent in foreign currency

• No minimum spend and no cap

Cash Back

Good

• 5% cashback on petrol transactions in Singapore and Malaysia on top of existing station discounts

• 1.5% unlimited cashback on all foreign currency spendings

• Get 1 TREATS Point per S$1 spent on all local currency spendings, excluding petrol transactions

Annual Interest Rate and Fees

Annual Principal Fee	S$120 (3 years waiver)
Supplementary Annual Fee	S$0
Fee Waiver	Available with a total yearly minimum spend of S$6,000
Interest Free Period	20 days
Annual Interest Rate	27.90% p.a. subject to a minimum charge of S$3.00
Late Payment Fees	5% of the minimum monthly repayment or S$100, whichever is higher, if minimum monthly repayment is not received by due date
Minimum Monthly Repayment	3% or minimum S$20, whichever is higher
Foreign Currency Transaction Fee	All transactions in foreign currency will be subject to an administrative fee of 2.25% and a currency conversion charge of 1% imposed by the respective card associations
Foreign Check Fee	N/A
Cash Advance Transaction Fee	8% of the transaction amount or S$15, whichever is higher
Overlimit Fee	N/A

Minimum Income Requirements

Singaporean/PR Minimum Income	S$30,000
Non-Singaporean Minimum Income	S$60000, Malaysian Citizens (in employment for at least 1 year): S$45,000

Card Association

Mastercard

Wireless Payment

MasterCard PayPass
Apple Pay
Samsung Pay

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