- DBS Points
- $5 = 1 Point
- Takashimaya Bonus Points
- $10 = 2 Points
- Takashimaya Vouchers
- 100 points = $30 Takashimaya Voucher
- on Foreign Currency Spend
- S$1= 10X Points
- on Local Dining Spend
- S$1= 5X Points
- on All Other Spend
- S$1= 1X Point
[SmartRewards | Your Points, Your Choice 🫵🏻]
Choose ANY gift at our Rewards Store, including:
1. Nintendo Switch Lite (3,090 SmartPoints)
2. Apple AirPods 3rd Gen (2,720 SmartPoints)
Or any other combination of gifts, by earning 3,100 SmartPoints.
Alternatively, you can also choose to get $250 Cash via PayNow. T&Cs apply.
PLUS, stand a chance to win a Panerai Radomir Quaranta Timepiece (worth S$8,700) OR 16,490 SmartPoints (worth an iPhone 15 Pro, 128GB in the Rewards Store) OR 5,990 SmartPoints (worth an Apple Watch Series 9 (GPS), 41mm in our Rewards Store) when you apply through MoneySmart. T&Cs apply. Check out our past Lucky Draw winners here.
- on Online & Shopping Purchases
- S$1= 10X Points
- on all other purchases
- S$1= 1X Point
- Rewards Conversion
- 10X Points = 4 Miles
[6 Weeks Faster Gift Redemption* | SmartRewards | Your Points, Your Choice 🫵]
Apply and spend a min. of S$500 in "Qualifying Spends" within 30 days from the card approval date and enjoy the ultimate flexibility to CHOOSE ANY GIFT at our Rewards Store, including:
1. Apple iPad Wi-Fi 9th Generation, 64GB (5,040 SmartPoints)
2. Sony WH-1000XM5 Wireless Noise Cancelling Headphones (4,990 SmartPoints)
3. Nintendo Switch OLED (5,000 SmartPoints)
OR any other combination of gifts available in the Rewards Store, by earning 5,100 SmartPoints.
Alternatively, you can also choose S$300 Cash via PayNow. T&Cs apply
PLUS, stand a chance to win a Panerai Radomir Quaranta Timepiece (worth S$8,700) OR 16,490 SmartPoints (worth an iPhone 15 Pro, 128GB in the Rewards Store) OR 5,990 SmartPoints (worth an Apple Watch Series 9 (GPS), 41mm in our Rewards Store) when you apply through MoneySmart. T&Cs apply. Check out our past Lucky Draw winners here.
- on Online Spend and Contactless Payments
- S$1 = 10X Points
- on All Other Spend
- S$1 = 1X Point
- Points to Miles Conversion for Selected Airline Partners
- 1 Point = 0.4 Miles
[MONEYSMART LUCKY DRAW | REFERRAL]
Stand a chance to win an Apple Watch Series 9 (GPS), 41mm (worth S$599) when you successfully apply for an eligible HSBC Credit Card through MoneySmart.
Refer friends and family to boost your lucky draw odds. The more you refer, the better your chances! T&Cs apply.
Plus get a Samsonite ZELTUS 69cm Spinner Luggage (worth S$680) or S$150 Cashback from HSBC when you meet the min. spends of S$1,000 upon card approval required and provide marketing consent. T&Cs apply.
- on up to Two Category
- S$5 = Up to 15X UNI$ (or 30 miles)
- on All Other Spend
- S$5 = 1X UNI$ (or 2 miles)
- Rewards to Miles Conversion, no min. spend
- 1 UNI$ = 2 Miles
[LUCKY DRAW]
Stand a chance to win a Panerai Radomir Quaranta Timepiece (worth S$8,700) OR 16,490 SmartPoints (worth an iPhone 15 Pro, 128GB in the Rewards Store) OR 5,990 SmartPoints (worth an Apple Watch Series 9 (GPS), 41mm in our Rewards Store) when you apply through MoneySmart. T&Cs apply. Check out our past Lucky Draw winners here.
PLUS receive up to S$350 Cash Credit from UOB when you are the first 200 new-to-UOB customers who successfully apply for an eligible UOB Credit Card and spend a min. of S$1,000 per month, for 2 consecutive months from the card approval date. T&Cs apply.
- on Eligible Local and Overseas Spend
- S$1 = 10 OCBC$ (equivalent to 4 Miles per S$1)
- on All Other Spend
- S$1 = 1 OCBC$
- Rewards to Miles Conversion
- 10 OCBC$ = 4 Miles
[LUCKY DRAW]
Get a Hinomi Q1 Ergonomic Chair (worth S$499) OR a Apple AirPods 3rd Gen (worth S$261.40) OR S$280 Amazon SG Gift Card OR S$250 Cash via PayNow when you apply and spend a min. of S$500 in Qualifying Spend within 30 days of card approval. T&Cs apply.
PLUS, stand a chance to win a Panerai Radomir Quaranta Timepiece (worth S$8,700) OR 16,490 SmartPoints (worth an iPhone 15 Pro, 128GB in the Rewards Store) OR 5,990 SmartPoints (worth an Apple Watch Series 9 (GPS), 41mm in our Rewards Store) when you apply through MoneySmart! T&Cs apply. Check out our past Lucky Draw winners here.
- Cashback from Netflix, Spotify, fast food joints and more. *T&Cs apply.
- 6%*
- Annual Fee
- S$0
- Minimum Spend
- S$0
[SmartRewards | Your Points, Your Choice 🫵🏻]
Choose ANY gift at our Rewards Store, including:
1. Nintendo Switch Lite (3,090 SmartPoints)
2. Apple AirPods 3rd Gen (2,720 SmartPoints)
Or any other combination of gifts, by earning 3,100 SmartPoints.
Alternatively, you can also choose to get $250 Cash via PayNow. T&Cs apply.
PLUS, stand a chance to win a Panerai Radomir Quaranta Timepiece (worth S$8,700) OR 16,490 SmartPoints (worth an iPhone 15 Pro, 128GB in the Rewards Store) OR 5,990 SmartPoints (worth an Apple Watch Series 9 (GPS), 41mm in our Rewards Store) when you apply through MoneySmart. T&Cs apply. Check out our past Lucky Draw winners here.
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- for every S$1.60 spent
- Earn 2 Membership Rewards®
- for every S$1.60 spent with 10Xcelerator by Membership Rewards®
- Earn 20 Membership Rewards® points
- on Membership Rewards® Points
- No Expiry Date
Existing cardholders can get 87,500 Membership Rewards® points (enough for a Return Trip to Japan or South Korea*) by paying the annual fee and spending a minimum of S$6,000 within the first 2 months of card approval. T&Cs apply.
- for every full S$1.60 spend at participating Platinum 10Xcelerator Partners
- 10 Membership Rewards Points
- for every full S$1.60 spend on All Other Spend
- 2 Membership Rewards Points
- Rewards to Miles Conversion
- 1 Point = 0.55 Miles
Existing cardholders can get S$100 eCapitaVouchers from AMEX when you pay the card's annual fee and spend a min. of S$1,000 within first month of card approval. T&Cs apply.
- on Eligible Local and Overseas Spend
- S$1 = 10 OCBC$ (equivalent to 4 Miles per S$1)
- on All Other Spend
- S$1 = 1 OCBC$
- Rewards to Miles Conversion
- 10 OCBC$ = 4 Miles
[LUCKY DRAW]
Get a Hinomi Q1 Ergonomic Chair (worth S$499) OR a Apple AirPods 3rd Gen (worth S$261.40) OR S$280 Amazon SG Gift Card OR S$250 Cash via PayNow when you apply and spend a min. of S$500 in Qualifying Spend within 30 days of card approval. T&Cs apply.
PLUS, stand a chance to win a Panerai Radomir Quaranta Timepiece (worth S$8,700) OR 16,490 SmartPoints (worth an iPhone 15 Pro, 128GB in the Rewards Store) OR 5,990 SmartPoints (worth an Apple Watch Series 9 (GPS), 41mm in our Rewards Store) when you apply through MoneySmart! T&Cs apply. Check out our past Lucky Draw winners here.
- Cash Back on Dining, Groceries, Petrol
- 5%
- Cash Rebate Cap per quarter
- S$250
- Min. spend monthly in a calendar quarter
- S$600
[MONEYSMART LUCKY DRAW | REFERRAL]
Stand a chance to win an Apple Watch Series 9 (GPS), 41mm (worth S$599) when you successfully apply for an eligible HSBC Credit Card through MoneySmart.
Refer friends and family to boost your lucky draw odds. The more you refer, the better your chances! T&Cs apply.
Plus get a Samsonite ZELTUS 69cm Spinner Luggage (worth S$680) or S$150 Cashback from HSBC when you meet the min. spends of S$1,000 upon card approval required and provide marketing consent. T&Cs apply.
- Local Spend
- S$1 = Up to 1.25 Miles
- Overseas Spend
- S$1 = Up to 2.25 Miles
- for personalized assistance
- Dedicated Concierge Service
- on Air Tickets and Foreign Currency Spend
- S$1 = 8X Points
- on Dining, Petrol, Groceries, Taxi, Hotel Bookings
- S$1 = 3X Points
- Rewards to Miles Conversion for Selected Airline Partners
- 1 Point = 0.4 Miles
- Local Spend
- S$1 = 1.3 Miles
- Overseas Spend
- S$1 = 2.2 Miles
- On Travel Spend at Expedia & Kaligo
- S$1 = Up to 10 Miles
- No limit. No Cap.
- S$1 = 1X yuu Point
- On your daily spend
- up to 30X yuu Points
- Points Cap
- Unlimited
- No limit. No Cap.
- S$1 = 1X yuu Point
- On your daily spend
- up to 30X yuu Points
- Points Cap
- Unlimited
- on all local spend excluding petrol
- S$1 = 1 TREATS Point
- on all local spend excluding petrol
- 1 TREATS Point = 1 DUO Point
- Min. spend per month
- S$0
- on Online Spend
- S$5 = 5 DBS Points (2 Miles per S$1)
- on All Other Spend
- S$5 = 1 DBS Point (0.4 Miles per S$1)
- Rewards to Miles Conversion
- 1 Point = 2 Miles
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- for every S$1 spent on eCapitaVoucher purchases, capped at S$1,200 monthly
- Earn up to 15 STAR$®
- at participating Merchants at Heartlands CapitaLand Malls
- Earn up to 20 STAR$®
- at participating Merchants in CapitaLand Malls in Town
- Earn up to 30 STAR$®
- Cash Back on Dining, Groceries & Petrol
- Up to 8%
- Total Cash Back Cap, per month
- S$80
- at Shell & Esso
- Up to 20.88% savings
[6 Weeks Faster Gift Redemption* | SmartRewards | Your Points, Your Choice 🫵]
Apply and spend a min. of S$500 in "Qualifying Spends" within 30 days from the card approval date and enjoy the ultimate flexibility to CHOOSE ANY GIFT at our Rewards Store, including:
1. Apple iPad Wi-Fi 9th Generation, 64GB (5,040 SmartPoints)
2. Sony WH-1000XM5 Wireless Noise Cancelling Headphones (4,990 SmartPoints)
3. Nintendo Switch OLED (5,000 SmartPoints)
OR any other combination of gifts available in the Rewards Store, by earning 5,100 SmartPoints.
Alternatively, you can also choose S$300 Cash via PayNow. T&Cs apply
PLUS, stand a chance to win a Panerai Radomir Quaranta Timepiece (worth S$8,700) OR 16,490 SmartPoints (worth an iPhone 15 Pro, 128GB in the Rewards Store) OR 5,990 SmartPoints (worth an Apple Watch Series 9 (GPS), 41mm in our Rewards Store) when you apply through MoneySmart. T&Cs apply. Check out our past Lucky Draw winners here.
