DBS Credit Cards

Whether you seek rebates, shopping deals, flyer miles and rewards or an affordable student card, DBS offers you a host of credit card options to choose from. Compare DBS bank credit cards and choose the one that best suits your needs, lifestyle and preferences.

What does DBS have on offer?

DBS, which has used this brand name since 2003 instead of the original Development Bank of Singapore, offers you a wider array of credit cards in Singapore compared to most other credit card issuers. For example:

• If you are seeking cashbacks and rebates you can choose from among the POSB Everyday Card, the DBS Black Visa Card and the DBS Live Fresh Card.
• Some lifestyle cards also come with attractive cashback and rebate deals.
• Those wanting the best air miles can opt for the DBS Altitude Cards.
• The DBS Woman’s Card and the Woman’s World Card are great for travel deals and air miles.
• You’ll have a tough time choosing among the best rewards cards by DBS because there are so many.
• DBS grocery and shopping cards also present you with a delicious dilemma on which to pick for the best shopping deals, like the DBS Takashimaya Card
• DBS Live Fresh Card, the DBS Woman’s Card and the DBS Woman’s World Card are best for online shopping.

Amazed by the choices? To help you sort through the options, we’ve categorized them into different types, so read on to find out more.

What types of DBS credit cards are available?

From student cards with no income requirement to privilege-laden travel and rewards cards and those offering excellent deals on online and offline shopping, groceries and petrol, DBS has a broad range of credit cards to pick from. The co-branded lifestyle cards such as the DBS NUS Alumni MasterCard, DBS NUSS Graduate Club Card and SAFRA DBS Card come with exclusive privileges, rewards and rebates, including annual fee waivers.

• Cashback or rebate credit cards

  • If cashbacks and rebates on everyday expenses is what you want, it’s hard to beat the POSB Everyday card. In addition to double-digit rebates on dining, and petrol purchases at Singapore Petroleum Company (SPC), you can also earn rebates on groceries, health, personal care and beauty spending, utility and other bills.
  • With the DBS Black Card you earn cashbacks on groceries and online shopping at supermarkets, and when shopping for items such as bags, shoes, clothes, jewellery and watches at various department stores.
  • DBS Live Fresh Card offers 5% cashback for online shopping and shopping via mobile apps, and when using Visa payWave, Apple Pay, Google Pay or Samsung pay, subject to a monthly minimum spend of S$600 per month.

• Travel and air miles credit cards

  • With the DBS Altitude Cards you earn 3 miles for every dollar you spend on online flight bookings and hotel transactions (capped at S$5,000 per month), 2 miles for every dollar on overseas spend in foreign currency and 1.2 miles for every dollar on local spend. Complimentary add-ons include access to Global Airport Lounges and travel accident insurance up to S$1 million.
  • Other DBS cards with travel and air mile privileges include the DBS Woman’s Card and the Woman’s World Card. Both let you earn flyer miles for online purchases. The DBS Woman’s World Card also earns DBS Points when shopping overseas.

• Rewards credit cards

  • The best rewards cards from DBS include:
    • DBS Woman’s Card
    • DBS Woman’s World Card
    • DBS Takashimaya Visa Card
    • DBS Takashimaya American Express Card
    • DBS Esso Card
    • DBS NUSS Card
    • DBS NUS Alumni Card
  • The DBS Woman’s Card and the Woman’s World Card let you earn flyer miles and multiple DBS points for online purchases, and on selected taxi services when paying through DBS MasterPass. With both cards you gain complimentary access at True Yoga and True Fitness, together with the ability to convert large purchases into 12-month instalment plans free of interest and processing fees.
  • With the DBS Woman’s World Card you can also earn 3X DBS Points for every S$5 spent when shopping overseas.
  • The DBS Takashimaya cards – American Express and Visa cards – entitle you to multiple Takashimaya Bonus Points for spend at the Takashimaya Department Store. You can redeem your points for Takashimaya gift vouchers.

• Grocery and shopping credit cards

  • DBS has a number of credit cards that offer great deals in shopping and groceries. These include:
    • DBS Black Visa Card
    • DBS Woman’s World Card
    • DBS Woman’s Card
    • DBS Altitude Visa Signature Card
    • DBS Takashimaya American Express Card
    • DBS Live Fresh Card
    • DBS Esso Card
  • The best deals in online shopping come with these DBS cards:
    • DBS Live Fresh Card
    • DBS Woman’s Card
    • DBS Woman’s World Card

• Petrol credit cards

  • With the DBS Esso MasterCard your discounts at Esso sites add up to double digits with site discounts, Smiles card discounts and credit card discounts. Receive fuel savings and free fuel when you convert Smiles Points earned on dining, shopping and other spending on your Esso Card.

• Student credit card

  • DBS Live Fresh Visa Student Card comes with 5 years annual fee waiver and gives you the opportunity to earn 0.3% cashback on local Visa payWave transactions and online shopping. There is no minimum income requirement for this card.

• Lifestyle credit cards

  • The exclusive lifestyle cards offered in collaboration with SAFRA, the recreation facilities for the armed services, and the National University of Singapore (NUS) combine exclusive privileges, fee waivers and rebates on online and offline purchases and other spending.
  • DBS SAFRA Card privileges include access to SAFRA Clubhouse gyms, entertainment and swimming pools. You can also earn SAFRA points.
  • DBS NUS Alumni MasterCard lets you support students of NUS by way of bursaries and awards each time you spend. The NUS Alumni MasterCard comes loaded with dining, shopping, entertainment and wellness privileges both on campus and around the country.
  • DBS NUSS Card waives your annual fee for as long as you remain a member of the NUS Society. You can earn DBS Rewards Points when you spend at NUSS food and beverage (F&B) outlets.

What benefits can I get with a DBS credit card?

• Rewards

  • DBS credit card holders can look forward to a host of rewards including vouchers from Takashimaya Department Store, on Esso Synergy fuel purchases and AirAsia Big Points. DBS Bank’s Frequent Flyer Programme entitles you to convert DBS Points earned on spending to air miles. Refer to the DBS Rewards Catalogue for the many exciting paths to redeeming your rewards points.

• Complimentary extras

  • DBS Lifestyle App makes shopping, dining and travel as easy as can be. Use it to download mobile coupons or redeem your rewards in a jiffy.
  • Use DBS FasTrack to order with your DBS or POSB credit card and avoid waiting in line for your food.

• Easy and convenient mobile and digital payments

  • You can pay for your card transactions using DBS MasterPass, EZ-Pay, Visa Checkout, Visa payWave, Apple Pay, Android Pay or Samsung pay.
  • With DBS Recurring Bill Payments you pay one or multiple bills, save your time and earn reward points.
  • You can make credit card payments via iBanking, digibank, SMS banking, or through DBS/POSB ATMs, Video Teller Machines (VTMs), through AXS Stations via AXS e-Station, AXS m-Station and AXS QuickBill, by interbank Giro and by cheque.

• Security

  • EMV (Europay, MasterCard, Visa) chips in DBS Credit cards offer enhanced security against fraud.
  • One Time Password for Online Transactions. Ensure your working mobile phone number is updated for the SMS messages.
  • SMS Notification Alerts. This function allows you to customise thresholds for transactions, and you’ll receive an alert if those thresholds are exceeded.

How can I apply for a DBS credit card?

Follow these steps to apply for a DBS credit card:

1. Compare the various DBS credit card options, reviewing their privileges, benefits and costs.
2. Select the credit card that best suits you, considering your lifestyle, credit needs, spending patterns, income and circumstances. Comparison tables make this easy.
3. Check the eligibility criteria for your chosen credit card to ensure that you meet those requirements. Eligibility criteria may vary from card to card, especially income levels, but you can expect the following:
   • Age. You must be at least 21 years of age.
   • Income. With the exception of students, you must have a minimum annual income of S$30,000 for Singapore citizens or Singapore Permanent Resident (SPRs) and S$45,000 for foreign nationals.
   • Supporting documents and information you will need to submit.
     For salaried:
     • A photocopy of your National Registration Identity Card (NRIC), front and back, AND
     • Latest 12-month Central Provident Fund (CPF) contribution history statement AND
     • Computerised payslips for the last three months OR
     • Latest Income Tax Notice of Assessment OR
     • POSB or DBS account number if your salary has been credited to this account for the last three months via Giro.
     For self-employed or fully commissioned:
     • A photocopy of your NRIC (front and back) AND
     • Latest 2 years Income Tax Notices of Assessment
     For commission or variable income earners:
     • A photocopy of your NRIC (front and back) AND
     • Latest 12 months CPF contribution history OR
     • Latest Income Tax Notice of Assessment
     Foreign nationals:
     • Valid Passport with 6 months’ validity AND
     • Employment Pass with at least 6 months’ validity AND
     • Latest computerised payslip or salary crediting Singapore dollar account with DBS/POSB account AND
     • Most recent Income Tax Notice of Assessment where available
     • If employment is less than three months, a company letter dated within three months of application that certifies employment and your salary in Singapore dollars.
4. Once you have all the documents and information lined up, click the “Go to site” button to be taken to a secure application page.
5. Provide the required details and documents.
6. Submit your online application. You should allow 7 working days for processing your application. There will be delays if your application was not submitted with the required documents or the information was incomplete.

Frequently Asked Questions

• What can I use my DBS points for?

  You may redeem your DBS points for a host of rewards including movie tickets, dining vouchers, home appliances and spa treatments.

• When do my DBS points expire?

  DBS Points are time-limited and expire one year from the quarterly period in which you earned them.

• How do I cancel my credit card if it’s lost or stolen?

  You should report the stolen credit card immediately. DBS will cancel it and arrange to send you a new card. After you report your lost or stolen card you will not be held liable for fraudulent transactions that are made using your card. You can report lost or stolen cards to these numbers:

  • In Singapore: 1800 339 6963
  • From overseas: (65) 6339 6963

• I don’t want my Credit Card any more. What do I do?

  You can now cancel your Credit Card easily at your convenience using the new digital banking service. Just click the “Cancel now” button in the website and identify yourself using the last 4 digits of your DBS/POSB Card and your Card PIN.

  For security reasons, you should cut your credit cards in half and dispose of them separately. Your monthly statement will inform you of any outstanding balances on your account until the full balance has been paid off.

• I damaged my card, how do I get a replacement?

  You may now request replacement of your damaged cards using Card & Pin or digibank Online services in the website. Just click the “Click here to request replacement” button and submit your request. You will receive your replacement Credit Card & PIN separately within 3 to 5 working days from the requested date.

• If I forget the PIN on my Credit Card, can I get a new one?

  You can reset your forgotten PIN instantly via internet banking, the DBS/POSB Digibank App or the DBS website.

  • DBS/POSB Internet Banking:

  Login to Internet Banking, choose Cards and Reset Card PIN

  • DBS/POSB Digibank app:

  Login to Digibank App, choose Card Services and Reset Card PIN

  • If you don’t use DBS Internet or Mobile Banking services, you can reset your PIN using the DBS Bank website.