All Details

• Key Features

  • Up to 10% cash rebates on your daily essentials when you dine, shop online or purchase groceries

  • 50% off family attractions and other exclusive deals

  • Save up to 20.1% on fuel at SPC

  • 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

• 20.1% fuel savings at SPC (10% SPC&U member discount + 5% DBS/POSB Card discount + 6% POSB Everyday Card cash rebates)

• 2% cash rebates at SpeedyCare

Dining

Excellent

• 10% cash rebates on online food delivery at foodpanda and Deliveroo when you spend above S$800 on your card per calendar month

• 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 exclusive 1-for-1 dining privileges and discounts at restaurants and bars islandwide

Bill Payment

Very Good

• 3% cash rebates at SP Group, Union Power, Tuas Power and Geneco with no minimum spend, capped at S$100 spend per calendar month

• 2% cash rebates at Keppel Electric, Senoko Energy and Sembcorp Power with no minimum spend, capped at S$100 spend per calendar month

• 3% cash rebates on phone bills (Singtel,Singtel GOMO,StarHub,StarHub giga,M1,MyRepublic, Circles.Life) when you spend above S$800 on your card per calendar month

Grocery

Very Good

• 5% cash rebates at Sheng Siong transactions in-store and Online, with no minimum spend, capped at S$600 spend per calendar month

• 5% cash rebates on your grocery transactions at RedMart when you spend above S$800 on your card per calendar month

Shopping

Very Good

• 8% Cash Rebate at POPULAR and POPULAR Online Store

• 5% Cash Rebates on Online Shopping (Amazon.sg, Lazada, Qoo10, Shopee, RedMart and Taobao) when you spend above S$800 on your card per calendar month

• 3% cash rebates at Pet Lovers Centre (purchases above S$15)

Cash Back

Very Good

• 10% cash rebates on online food delivery at foodpanda and Deliveroo when you spend above S$800 on your card per calendar month

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

• 5% cash rebates at Sheng Siong transactions in-store and Online, with no minimum spend, capped at S$600 spend per calendar month

• 5% cash rebates on your grocery transactions at RedMart when you spend above S$800 on your card per calendar month

• 5% Cash Rebates on Online Shopping (Amazon.sg, Lazada, Qoo10, Shopee, RedMart and Taobao) when you spend above S$800 on your card per calendar month

• 3% cash rebates at Pet Lovers Centre (purchases above S$15)

• 3% on 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

• 3% cash rebates on phone bills (Singtel,Singtel GOMO,StarHub,StarHub giga,M1,MyRepublic, Circles.Life) when you spend above S$800 on your card per calendar month

• 3% cash rebates at SP Group, Union Power, Tuas Power and Geneco with no minimum spend, capped at S$100 spend per calendar month

• 2% cash rebates at Keppel Electric, Senoko Energy and Sembcorp Power with no minimum spend, capped at S$100 spend per calendar month

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$196.20
Supplementary Annual Fee	S$98.10
Fee Waiver	First year waived
Interest Free Period	25 days
Annual Interest Rate	Prevailing interest rate of 27.8% p.a. (subject to compounding if the charges are not repaid in full) on the transaction amount, chargeable on a daily basis from the date of transaction until receipt of full payment. (Minimum charge: S$2.50)
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% of the amount withdrawn per transaction 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

Online Promotion