Best DBS/POSB Credit Cards In Singapore (2021)
Regardless of whether you want to earn cashback, miles or rewards points in general, the largest local bank in Singapore has you covered. Here are the DBS/POSB credit cards worth your consideration.
Did you know that no matter which DBS/POSB credit card you end up going for, there are plenty of nice perks you can enjoy as a DBS/POSB credit cardmember? From deals and promotions to earning tangible rewards, the sky’s the limit.
Not to forget, you can also earn higher interest rates of up to 3.00% p.a. with the DBS Multiplier Account as you credit your income/ dividends, spend on your DBS/POSB credit card, finance your DBS home loan, purchase insurance policies and invest.
Interested in getting a DBS/POSB credit card but aren’t sure which one is right for you? Read on and click ahead — we’ve rounded up the best DBS/POSB credit cards for your easy reference.
Best for cashback
Best for miles
Best for DBS Points
Best for Gen-Zs and millennials
Best for online shopping
Best all-round credit card
Best DBS/POSB Credit Cards In Singapore
Best for | Credit card | Key benefits |
Cashback | DBS Live Fresh | – 5% cashback on online and Visa contactless spend |
Miles | DBS Altitude | – 2X complimentary airport lounge passes |
DBS Points | DBS Woman’s World Card | – 2X DBS points per dollar on local online spend |
Gen-Zs and millennials | DBS Live Fresh | – 5% cashback on online and Visa contactless spend |
Online shopping | DBS Live Fresh | – 5% cashback on online and Visa contactless spend |
All-round credit card | POSB Everyday Card | – Up to 8% cash rebate on dining |
Best for cashback
Cashback credit cards are some of the most straightforward types of rewards credit cards out there. DBS Live Fresh could be the card for you if you primarily spend online or in-store via contactless payment, and are comfortable with spending at least $600 a month. On the other hand, POSB Everyday Card is a great option if you have a family to support since it rewards you on a variety of expenses from dining, online shopping and personal care to groceries, fuel, electricity and StarHub bills.
| DBS Live Fresh | POSB Everyday Card | Key Benefits | 5% cashback on online and Visa contactless spend, including SimplyGo rides | Up to 8% cashback on dining | Cons | Min. spend $600 monthly required to earn 5% cashback, otherwise you’ll earn 0.3% | Min. spend $800 required to earn up to 8% on dining. Cashback capped at $15 per calendar month. Valid till 31 January 2021 |
| DBS Altitude Visa | DBS Altitude American Express | Key Benefits | 1.2 mpd local spend | 1.2 mpd local spend | Extra perks | 2 free Priority Pass lounge visits within each 12-month period of your membership | Up to 50% savings on dining, shopping, accommodation and more with Live The World | Cons | Miles are awarded in the form of DBS points which are awarded for every $5 spent | Miles are awarded in the form of DBS points which are awarded for every $5 spent |
| DBS Woman’s World Card | DBS Woman’s Card | Key Benefits | 2X DBS points per dollar on local online spend | 1X DBS Points per dollar on local online spend | Cons | 2X DBS points per dollar on online spend are only applicable for the first $2,000 online spend per calendar month | 1X DBS points per dollar on online spend are only applicable for the first $1,000 online spend per calendar month |
| DBS Live Fresh | DBS Woman’s Card | Key Benefits | 5% cashback on online and Visa contactless spend, including SimplyGo rides | 1X DBS Points per dollar on local online spend | Cons | Min. spend $600 monthly required to earn 5% cashback, otherwise you’ll earn 0.3% | 1X DBS points per dollar on online spend are only applicable for the first $1,000 online spend per calendar month |
| DBS Woman’s World Card | DBS Woman’s Card | DBS Live Fresh | Key Benefits | 2X DBS points per dollar on local online spend | 1X DBS Points per dollar on local online spend | 5% cashback on online and Visa contactless spend, including SimplyGo rides | Cons | 2X DBS points per dollar on online spend are only applicable for the first $2,000 online spend per calendar month | 1X DBS points per dollar on online spend are only applicable for the first $1,000 online spend per calendar month | Min. spend $600 monthly required to earn 5% cashback, otherwise you’ll earn 0.3% | Key benefits of POSB Everyday Card | Pros | Cons | Up to 8% cash rebate on dining | 8% cashback on online food delivery transactions on foodpanda and Deliveroo only | Min. $800 monthly spend required | 3% cash rebate on online shopping | Only available for online shopping on Lazada, Qoo10, Shopee and Amazon.sg | Min. $800 monthly spend required | 5% cash rebate at Sheng Siong | No min. spend required | Rebate cap – $40 per calendar month | 3% cash rebate at Watsons | Available online and in-store | NIL | 1% cash rebate on recurring electricity bills | Includes Geneco, Union Power, Sembcorp Power, SP Group, Best Electricity, Ohm Energy and Tuas Power | Cash rebate on Sembcorp Power, SP Group, Best Electricity, Ohm Energy and Tuas Power recurring electricity bills is capped at $1 per calendar month | 1% cash rebate on recurring StarHub bills | No min. spend required | Cash rebate is capped at $1 per calendar month | Up to 20.1% fuel savings at SPC | No min. spend required | 20.1% savings stem from discounts from SPC&U Card and DBS/POSB Card, as well as cash rebates from POSB Everyday Card |
| DBS Live Fresh | POSB Everyday Card | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Key Benefits | 5% cashback on online and Visa contactless spend, including SimplyGo rides | Up to 8% cashback on dining | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Cons | Min. spend $600 monthly required to earn 5% cashback, otherwise you’ll earn 0.3% | Min. spend $800 required to earn up to 8% on dining. Cashback capped at $15 per calendar month. Valid till 31 January 2021 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| DBS Altitude Visa | DBS Altitude American Express | Key Benefits | 1.2 mpd local spend | 1.2 mpd local spend | Extra perks | 2 free Priority Pass lounge visits within each 12-month period of your membership | Up to 50% savings on dining, shopping, accommodation and more with Live The World | Cons | Miles are awarded in the form of DBS points which are awarded for every $5 spent | Miles are awarded in the form of DBS points which are awarded for every $5 spent |
| DBS Woman’s World Card | DBS Woman’s Card | Key Benefits | 2X DBS points per dollar on local online spend | 1X DBS Points per dollar on local online spend | Cons | 2X DBS points per dollar on online spend are only applicable for the first $2,000 online spend per calendar month | 1X DBS points per dollar on online spend are only applicable for the first $1,000 online spend per calendar month |
| DBS Live Fresh | DBS Woman’s Card | Key Benefits | 5% cashback on online and Visa contactless spend, including SimplyGo rides | 1X DBS Points per dollar on local online spend | Cons | Min. spend $600 monthly required to earn 5% cashback, otherwise you’ll earn 0.3% | 1X DBS points per dollar on online spend are only applicable for the first $1,000 online spend per calendar month |
| DBS Woman’s World Card | DBS Woman’s Card | DBS Live Fresh | Key Benefits | 2X DBS points per dollar on local online spend | 1X DBS Points per dollar on local online spend | 5% cashback on online and Visa contactless spend, including SimplyGo rides | Cons | 2X DBS points per dollar on online spend are only applicable for the first $2,000 online spend per calendar month | 1X DBS points per dollar on online spend are only applicable for the first $1,000 online spend per calendar month | Min. spend $600 monthly required to earn 5% cashback, otherwise you’ll earn 0.3% | Key benefits of POSB Everyday Card | Pros | Cons | Up to 8% cash rebate on dining | 8% cashback on online food delivery transactions on foodpanda and Deliveroo only | Min. $800 monthly spend required | 3% cash rebate on online shopping | Only available for online shopping on Lazada, Qoo10, Shopee and Amazon.sg | Min. $800 monthly spend required | 5% cash rebate at Sheng Siong | No min. spend required | Rebate cap – $40 per calendar month | 3% cash rebate at Watsons | Available online and in-store | NIL | 1% cash rebate on recurring electricity bills | Includes Geneco, Union Power, Sembcorp Power, SP Group, Best Electricity, Ohm Energy and Tuas Power | Cash rebate on Sembcorp Power, SP Group, Best Electricity, Ohm Energy and Tuas Power recurring electricity bills is capped at $1 per calendar month | 1% cash rebate on recurring StarHub bills | No min. spend required | Cash rebate is capped at $1 per calendar month | Up to 20.1% fuel savings at SPC | No min. spend required | 20.1% savings stem from discounts from SPC&U Card and DBS/POSB Card, as well as cash rebates from POSB Everyday Card | |||||||||
| DBS Altitude Visa | DBS Altitude American Express | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Key Benefits | 1.2 mpd local spend | 1.2 mpd local spend | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Extra perks | 2 free Priority Pass lounge visits within each 12-month period of your membership | Up to 50% savings on dining, shopping, accommodation and more with Live The World | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Cons | Miles are awarded in the form of DBS points which are awarded for every $5 spent | Miles are awarded in the form of DBS points which are awarded for every $5 spent | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| DBS Woman’s World Card | DBS Woman’s Card | Key Benefits | 2X DBS points per dollar on local online spend | 1X DBS Points per dollar on local online spend | Cons | 2X DBS points per dollar on online spend are only applicable for the first $2,000 online spend per calendar month | 1X DBS points per dollar on online spend are only applicable for the first $1,000 online spend per calendar month |
| DBS Live Fresh | DBS Woman’s Card | Key Benefits | 5% cashback on online and Visa contactless spend, including SimplyGo rides | 1X DBS Points per dollar on local online spend | Cons | Min. spend $600 monthly required to earn 5% cashback, otherwise you’ll earn 0.3% | 1X DBS points per dollar on online spend are only applicable for the first $1,000 online spend per calendar month |
| DBS Woman’s World Card | DBS Woman’s Card | DBS Live Fresh | Key Benefits | 2X DBS points per dollar on local online spend | 1X DBS Points per dollar on local online spend | 5% cashback on online and Visa contactless spend, including SimplyGo rides | Cons | 2X DBS points per dollar on online spend are only applicable for the first $2,000 online spend per calendar month | 1X DBS points per dollar on online spend are only applicable for the first $1,000 online spend per calendar month | Min. spend $600 monthly required to earn 5% cashback, otherwise you’ll earn 0.3% | Key benefits of POSB Everyday Card | Pros | Cons | Up to 8% cash rebate on dining | 8% cashback on online food delivery transactions on foodpanda and Deliveroo only | Min. $800 monthly spend required | 3% cash rebate on online shopping | Only available for online shopping on Lazada, Qoo10, Shopee and Amazon.sg | Min. $800 monthly spend required | 5% cash rebate at Sheng Siong | No min. spend required | Rebate cap – $40 per calendar month | 3% cash rebate at Watsons | Available online and in-store | NIL | 1% cash rebate on recurring electricity bills | Includes Geneco, Union Power, Sembcorp Power, SP Group, Best Electricity, Ohm Energy and Tuas Power | Cash rebate on Sembcorp Power, SP Group, Best Electricity, Ohm Energy and Tuas Power recurring electricity bills is capped at $1 per calendar month | 1% cash rebate on recurring StarHub bills | No min. spend required | Cash rebate is capped at $1 per calendar month | Up to 20.1% fuel savings at SPC | No min. spend required | 20.1% savings stem from discounts from SPC&U Card and DBS/POSB Card, as well as cash rebates from POSB Everyday Card | |||||||||||||||||||||
| DBS Woman’s World Card | DBS Woman’s Card | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Key Benefits | 2X DBS points per dollar on local online spend | 1X DBS Points per dollar on local online spend | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Cons | 2X DBS points per dollar on online spend are only applicable for the first $2,000 online spend per calendar month | 1X DBS points per dollar on online spend are only applicable for the first $1,000 online spend per calendar month | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| DBS Live Fresh | DBS Woman’s Card | Key Benefits | 5% cashback on online and Visa contactless spend, including SimplyGo rides | 1X DBS Points per dollar on local online spend | Cons | Min. spend $600 monthly required to earn 5% cashback, otherwise you’ll earn 0.3% | 1X DBS points per dollar on online spend are only applicable for the first $1,000 online spend per calendar month |
| DBS Woman’s World Card | DBS Woman’s Card | DBS Live Fresh | Key Benefits | 2X DBS points per dollar on local online spend | 1X DBS Points per dollar on local online spend | 5% cashback on online and Visa contactless spend, including SimplyGo rides | Cons | 2X DBS points per dollar on online spend are only applicable for the first $2,000 online spend per calendar month | 1X DBS points per dollar on online spend are only applicable for the first $1,000 online spend per calendar month | Min. spend $600 monthly required to earn 5% cashback, otherwise you’ll earn 0.3% | Key benefits of POSB Everyday Card | Pros | Cons | Up to 8% cash rebate on dining | 8% cashback on online food delivery transactions on foodpanda and Deliveroo only | Min. $800 monthly spend required | 3% cash rebate on online shopping | Only available for online shopping on Lazada, Qoo10, Shopee and Amazon.sg | Min. $800 monthly spend required | 5% cash rebate at Sheng Siong | No min. spend required | Rebate cap – $40 per calendar month | 3% cash rebate at Watsons | Available online and in-store | NIL | 1% cash rebate on recurring electricity bills | Includes Geneco, Union Power, Sembcorp Power, SP Group, Best Electricity, Ohm Energy and Tuas Power | Cash rebate on Sembcorp Power, SP Group, Best Electricity, Ohm Energy and Tuas Power recurring electricity bills is capped at $1 per calendar month | 1% cash rebate on recurring StarHub bills | No min. spend required | Cash rebate is capped at $1 per calendar month | Up to 20.1% fuel savings at SPC | No min. spend required | 20.1% savings stem from discounts from SPC&U Card and DBS/POSB Card, as well as cash rebates from POSB Everyday Card | ||||||||||||||||||||||||||||||
| DBS Live Fresh | DBS Woman’s Card | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Key Benefits | 5% cashback on online and Visa contactless spend, including SimplyGo rides | 1X DBS Points per dollar on local online spend | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Cons | Min. spend $600 monthly required to earn 5% cashback, otherwise you’ll earn 0.3% | 1X DBS points per dollar on online spend are only applicable for the first $1,000 online spend per calendar month | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| DBS Woman’s World Card | DBS Woman’s Card | DBS Live Fresh | Key Benefits | 2X DBS points per dollar on local online spend | 1X DBS Points per dollar on local online spend | 5% cashback on online and Visa contactless spend, including SimplyGo rides | Cons | 2X DBS points per dollar on online spend are only applicable for the first $2,000 online spend per calendar month | 1X DBS points per dollar on online spend are only applicable for the first $1,000 online spend per calendar month | Min. spend $600 monthly required to earn 5% cashback, otherwise you’ll earn 0.3% | Key benefits of POSB Everyday Card | Pros | Cons | Up to 8% cash rebate on dining | 8% cashback on online food delivery transactions on foodpanda and Deliveroo only | Min. $800 monthly spend required | 3% cash rebate on online shopping | Only available for online shopping on Lazada, Qoo10, Shopee and Amazon.sg | Min. $800 monthly spend required | 5% cash rebate at Sheng Siong | No min. spend required | Rebate cap – $40 per calendar month | 3% cash rebate at Watsons | Available online and in-store | NIL | 1% cash rebate on recurring electricity bills | Includes Geneco, Union Power, Sembcorp Power, SP Group, Best Electricity, Ohm Energy and Tuas Power | Cash rebate on Sembcorp Power, SP Group, Best Electricity, Ohm Energy and Tuas Power recurring electricity bills is capped at $1 per calendar month | 1% cash rebate on recurring StarHub bills | No min. spend required | Cash rebate is capped at $1 per calendar month | Up to 20.1% fuel savings at SPC | No min. spend required | 20.1% savings stem from discounts from SPC&U Card and DBS/POSB Card, as well as cash rebates from POSB Everyday Card | |||||||||||||||||||||||||||||||||||||||
| DBS Woman’s World Card | DBS Woman’s Card | DBS Live Fresh | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Key Benefits | 2X DBS points per dollar on local online spend | 1X DBS Points per dollar on local online spend | 5% cashback on online and Visa contactless spend, including SimplyGo rides | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Cons | 2X DBS points per dollar on online spend are only applicable for the first $2,000 online spend per calendar month | 1X DBS points per dollar on online spend are only applicable for the first $1,000 online spend per calendar month | Min. spend $600 monthly required to earn 5% cashback, otherwise you’ll earn 0.3% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Key benefits of POSB Everyday Card | Pros | Cons | Up to 8% cash rebate on dining | 8% cashback on online food delivery transactions on foodpanda and Deliveroo only | Min. $800 monthly spend required | 3% cash rebate on online shopping | Only available for online shopping on Lazada, Qoo10, Shopee and Amazon.sg | Min. $800 monthly spend required | 5% cash rebate at Sheng Siong | No min. spend required | Rebate cap – $40 per calendar month | 3% cash rebate at Watsons | Available online and in-store | NIL | 1% cash rebate on recurring electricity bills | Includes Geneco, Union Power, Sembcorp Power, SP Group, Best Electricity, Ohm Energy and Tuas Power | Cash rebate on Sembcorp Power, SP Group, Best Electricity, Ohm Energy and Tuas Power recurring electricity bills is capped at $1 per calendar month | 1% cash rebate on recurring StarHub bills | No min. spend required | Cash rebate is capped at $1 per calendar month | Up to 20.1% fuel savings at SPC | No min. spend required | 20.1% savings stem from discounts from SPC&U Card and DBS/POSB Card, as well as cash rebates from POSB Everyday Card | |||||||||||||||||||||||||||||||||||||||||||||||||||
Key benefits of POSB Everyday Card | Pros | Cons | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Up to 8% cash rebate on dining | 8% cashback on online food delivery transactions on foodpanda and Deliveroo only | Min. $800 monthly spend required | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
3% cash rebate on online shopping | Only available for online shopping on Lazada, Qoo10, Shopee and Amazon.sg | Min. $800 monthly spend required | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
5% cash rebate at Sheng Siong | No min. spend required | Rebate cap – $40 per calendar month | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
3% cash rebate at Watsons | Available online and in-store | NIL | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
1% cash rebate on recurring electricity bills | Includes Geneco, Union Power, Sembcorp Power, SP Group, Best Electricity, Ohm Energy and Tuas Power | Cash rebate on Sembcorp Power, SP Group, Best Electricity, Ohm Energy and Tuas Power recurring electricity bills is capped at $1 per calendar month | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
1% cash rebate on recurring StarHub bills | No min. spend required | Cash rebate is capped at $1 per calendar month | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Up to 20.1% fuel savings at SPC | No min. spend required | 20.1% savings stem from discounts from SPC&U Card and DBS/POSB Card, as well as cash rebates from POSB Everyday Card |