Up to 10%

Cash rebates on Online Food Delivery

Up to 5%

Cash Rebates on Groceries from Sheng Siong

Up to 5%

Cash Rebate on Online Shopping

All Details

• Key Features

  • No minimum spend at selected partner merchants

  • Base cash rebates rate: 0.3% POSB Daily$ rebate for all purchases

  • Activate SimplyGo to use your card as an EZ-Link card. SimplyGo charges MRT and bus fares to your credit card, eliminating the need for auto top-ups

  • Link the POSB Everyday Card to your DBS or POSB Savings or Current account to use card at ATM

  • At MoneySmart, we strive to keep our information accurate and up to date. This information may be different from what you see when you visit a financial institution, service provider, or specific product site. MoneySmart shall not be liable to compensate the Customer should the information is not as updated as our Partner.

Petrol

Excellent

• Up to 20.1% Fuel Savings at SPC (10% SPC&U member discount + 5% DBS/POSB Card discount + 6% POSB Everyday Card cash rebates)

• Additional 2% cash rebate at SpeedyCare

Dining

Excellent

• 10% Cash Rebates on Online Food Delivery (foodpanda & Deliveroo)

• Dining promotion: Get 3% on all other dining transactions with caterers, eating places and restaurants, bars, cocktail lounges (excluding fast food spend) when you spend above S$800 on your card per calendar month

• Enjoy 0.3% cash rebate on all other food transactions

Bill Payment

Very Good

• Utilities - Merchants : iSwitch, Keppel Electric, Senoko Energy (2% Cash Rebates with No min. spend required)

• Utilities - Merchants : SP Group^, Geneco, Sembcorp Power, Union Power, Best Electricity*, Ohm Energy*, Tuas Power* (3% Cash Rebates with No min. spend required)

• Telecommunications - Merchants : Singtel, Singtel GOMO, Starhub, Starhub giga, M1, MyRepublic, Circles.Life (3% Cash Rebates with Min. spend S$800 per calendar month)

0% Instalment

Very Good

Buffet Promotion

Very Good

Shopping

Very Good

• POSB Daily$ cash rebates earned do not expire

• Base rebate rate: 0.3% POSB Daily$ rebate

Grocery

Very Good

• Sheng Siong: Enjoy 5% cash rebates on your grocery transactions in-store, capped at S$600 spend per calendar month

• Pet Lovers Centre: Enjoy 3% cash rebate on regular-priced items with S$15 minimum purchase, not applicable in conjunction with PLC VIP member’s discount

• RedMart: Enjoy 8% cash rebates on your grocery transactions when you spend above S$800 on your card per calendar month

Cash Back

Very Good

• POSB Daily$ cash rebates earned do not expire

• Base rebate rate: 0.3% POSB Daily$ rebate

• 8% Cash Rebates at POPULAR stores & POPULAR Online Store

• 5% Cash rebate on Groceries transactions at Sheng Siong

• 5% Cash Rebates on Online Shopping (Amazon.sg, Lazada, Qoo10, Shopee, RedMart and Taobao)

• 3% Cash rebate for transactions at Watsons

• Up to 3% cash rebates on selected utilities and telecommunications merchants

• 20.1% fuel savings + additional 2% cash rebates at SPC

• Track and redeem your earned POSB Daily$ rebates to offset purchases via the DBS Lifestyle App using your DBS/POSB digibank User ID and PIN

• General exclusions apply: cash advance, insurance premiums, payments to medical, governmental, and financial institutions do not qualify for cashback

Online Shopping

Very Good

• 8% Cash Rebate at POPULAR Online Store

• 5% Cash Rebates on Online Shopping (Amazon.sg, Lazada, Qoo10, Shopee, RedMart and Taobao)

• Watsons: Enjoy 3% cash rebates on health and beauty transactions in-store and online

• Online shopping promotion: Enjoy cash rebates for online shopping when you spend above S$800 on your card per calendar month

Annual Interest Rate and Fees

Annual Principal Fee	S$194.40
Supplementary Annual Fee	S$97.20
Fee Waiver	First year waived
Interest Free Period	25 days
Annual Interest Rate	26.80%
Late Payment Fees	S$100
Minimum Monthly Repayment	3.00% or S$50, whichever is higher
Foreign Currency Transaction Fee	3.25%
Foreign Check Fee	N/A
Cash Advance Transaction Fee	8% or S$15, whichever is higher
Overlimit Fee	S$40

Minimum Income Requirements

Singaporean/PR Minimum Income	S$30,000
Non-Singaporean Minimum Income	S$45,000

Card Association

Mastercard

Wireless Payment

MasterCard PayPass
Apple Pay
Samsung Pay
Google Pay

MoneySmart Promotions

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Online Promotion