Comparing the Best DBS/POSB Credit Cards in Singapore (2025)

Every spending situation is unique. SingSaver assembles the 'Best For' list, so you can decide what’s best for you.

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 card member? 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 4.10% 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.

Looking for the best credit cards to complement your spending patterns and expenditure in 2025? Check out our Ultimate Credit Card Guide that covers all things credit cards in Singapore – from choosing between a cashback, miles, or rewards credit card to planning your credit card strategy.

Cashback credit cards are some of the most straightforward types of rewards credit cards out there.

DBS Live Fresh Card could be your daily expenditure card since it offers up to 6% cashback for shopping and transport, plus 0.3% unlimited cashback for all eligible spend.

DBS yuu Card offers a base cash rebate of 5% (10 yuu points) at participating merchants with no minimum spend required.

You'll earn an additional 13% cash rebate (26 yuu points) when you spend a minimum of S$600 per month, or up to 18% cashback in total (36 yuu points).

However, note that you'll need to link your DBS yuu card to the yuu mobile app and pay by scanning your yuu ID to enjoy the maximum cash rebate. That's because the yuu app offers 0.5% cash rebate (1 yuu point), whereas the card earns you a 4.5% cash rebate (9 yuu point). 

On the other hand, the POSB Everyday Card is a great option if you have a family to support since it rewards you on various expenses from dining, online shopping and personal care to groceries, petrol, utilities, and telco bills.

The best DBS miles card is the DBS Woman's World Card.  

As unintuitive as it may be, both men and women are allowed to sign up for DBS Woman’s World Card (and DBS Woman’s Card) if they so wish. These two rewards credit cards from DBS dole out generous rewards points on online purchases. The best part? No minimum spend!

Aside from that, there's also the DBS Altitude Card.  There are two variants to choose from — Visa or American Express — depending on your preference and the extra perks that come with each credit card.

It isn’t far-fetched to say that Gen-Zs and millennials are adept at all things online, including buying anything and everything off the internet effortlessly. DBS Live Fresh Card and DBS Woman’s Card are particularly great for those who have a penchant for doing their shopping online. 

These two cards have a minimum annual income requirement of just S$30,000 — great even if you are a freshly-minted entrant to the workforce.

DBS Woman’s World Card, DBS Woman’s Card and DBS Live Fresh Card are credit cards that reward you handsomely for local online purchases. The most generous of them all — DBS Woman’s World Card — is also the hardest to attain as it has a rather high annual income requirement of S$80,000 (though, it's said that the income requirement isn't particularly strict, especially if you're an existing DBS cardholder).

An individual who has his or her own family to support may find their ideal all-in-one credit card in the form of POSB Everyday Card.

This cashback credit card offers cash rebates on dining, online shopping, Watsons purchases, grocery shopping at Sheng Siong, recurring electricity and StarHub bills and SPC petrol purchases. Most grounds are covered.

You can even pair this card with the DBS Multiplier Account to earn 4.10% p.a. or more on your hard-earned savings.

Applying for a DBS/POSB credit card is a breeze! If you're an existing DBS/POSB banking or credit card customer, simply log in to your DBS/POSB ibanking to apply for your credit card of choice.

Alternatively, you can visit the DBS/POSB website, click on your preferred credit card and select “Apply Now”. You'll be guided to submit an application via Singpass MyInfo for a quick and seamless process.

To check on your DBS/POSB credit card application status, you can call the customer service hotline.

Once your physical credit card arrives, remember to activate it before use.

Have questions about your DBS/POSB credit card? Whether it's about benefits, rewards, miles, balance, or annual fee waivers, you can reach the DBS/POSB customer service hotline at 1800 111 1111 for DBS and 1800 339 6666 for POSB. If you're calling from overseas, dial +65 6339 6666 or +65 6327 2265 instead.

For urgent matters like a lost card or a suspected fraudulent transaction, call 1800 339 6963 (or +65 6339 6963 from overseas) for DBS, and 1800 339 6963 (or +65 6339 6963) for POSB. You can also chat with virtual chatbots on the DBS/POSB websites, or send an email requesting assistance.

Want to waive your DBS/POSB credit card annual fee? You have several options:

• Submit a request online: Use the digibot on the DBS/POSB online banking website or submit a request via DBS/POSB digibank online.

• Call customer service: Reach out to the DBS/POSB customer service hotline.

• Visit a branch: Head to your nearest DBS/POSB branch to speak with a representative.

Need to cancel your DBS/POSB credit card? Visit the respective help and support pages and use the virtual assistant function. Click on “Cancel Now” to begin the cancellation process. You can also submit an online form via the same DBS/POSB support page.

Most DBS/POSB credit cards let you accumulate DBS rewards points or POSB Daily$ on your purchases. However, there are a few exceptions. 

You won't earn DBS points with these cards:

• DBS Corporate Card

• DBS Purchasing Card

• DBS Country Club Card

• DBS Live Fresh Card

• DBS Takashimaya Card

• DBS Esso Card

• DBS SAFRA Card

Your rewards points earn rate varies depending on the card you have. For example, you might earn a certain number of DBS Points for every S$5 spent online in local currency with the DBS Altitude Card, while the DBS Woman’s Card might offer a different earn rate for the same spending category.

Keep in mind that some transactions don't qualify for DBS points accrual. These generally include:

• Bill payments via AXS or SAM

• Payments to educational, governmental, insurance, financial, medical, and non-profit organisations

• Gambling and betting transactions

• Top-ups to prepaid mobile wallets and cards like EZ-Link, GrabPay, and Singtel Dash

• Instalment plans

It's best to be aware of the expiry date for your DBS Points. For the first year, they generally expire a year from your credit card account opening date. In subsequent years, DBS Points expire a year from the date they were earned. Make sure to keep track and redeem them before they expire!

Want to turn your spending into travel? You can convert your DBS rewards points to airline miles with the DBS Rewards Frequent Flyer Programme. This allows you to convert your points to KrisFlyer miles (Singapore Airlines), Asia Miles (Cathay Pacific), Qantas Points, or AirAsia BIG Points.

For every 1 DBS point, you'll get 2 air miles. Conversions must be done in blocks of 5,000 DBS points and are subject to a S$26.75 transfer fee for each transaction. The conversion process typically takes 7 working days.

Redeeming your DBS rewards points is simple. You can do it through these channels:

• DBS digibank: Log in, select “Cards”, followed by “Redeem Rewards” to browse the catalogue and add items to your cart.

• DBS Rewards website: Log in to browse the rewards redemption catalogue and redeem e-vouchers, rebates, and air miles.

• DBS Lifestyle app: If you have the app, find the “Rewards” category to browse the catalogue.

With the POSB Everyday Card, you earn Daily$ instead of DBS Points. It's a straightforward way to get cash rebates on your everyday spending. For every S$1 cash rebate you earn, you get Daily$1.

And the best part? Your Daily$ never expire! You can redeem them anytime you like.

To unlock these awesome savings, simply spend at least S$800 per month on qualifying purchases:

• Dining: Enjoy 10% cash rebates on online food delivery from foodpanda and Deliveroo. Get 3% cash rebates on other dining (except fast food restaurants). This is capped at Daily$15 per month.

• Shopping: Earn 5% cash rebates on online shopping at popular sites like Amazon.sg, Lazada, Shopee, RedMart, and Taobao. You'll also get 8% cash rebates at POPULAR Bookstore and POPULAR Online Store. Bonus cash rebates are capped at Daily$15 per month.

• Telco: Get 3% cash rebates on your phone bills (capped at Daily$3 per month).

• Malaysia Spending: Enjoy 5% cash rebates on your Malaysia Ringgit (MYR) spending every Saturday and Sunday. This is capped at Daily$15 per week and valid until 31 January 2025.

The POSB Everyday Card also gives you extra cash rebates on these categories with no minimum spend required:

• Groceries: 5% cash rebates at Sheng Siong (capped at Daily$30 per month).

• Utilities: Up to 3% cash rebates on your utility bills (capped at Daily$3 per month).

• Fuel & Automotive Services: 6% cash rebates at SPC and 2% cash rebates at SpeedyCare (excluding SPC Balestier and SPC Bukit Merah).

• Shopping for Pets: 3% cash rebates at Pet Lovers Centre (minimum spend of S$15 applies).

And for all other eligible spending, you'll still earn 0.3% cash rebates.

Yes, you can even turn your Daily$ into miles! Here's how to convert your POSB Daily$ to KrisFlyer miles:

• Log in to digibank online with your User ID and PIN.

• Complete the authentication process.

• Under "Cards", click on "Redeem Daily$".

Keep in mind that redeeming KrisFlyer miles takes up to 14 working days. You'll receive an email notification upon successful (or unsuccessful) redemption. A transaction fee will be charged to your card upon successful redemption.

You have plenty of options for redeeming your POSB Daily$:

• Instant in-store redemption: Offset your purchases instantly at Pet Lovers Centre, Sheng Siong, and SPC.

• DBS PayLah! app: Use your Daily$ to offset purchases through the app.

• digibank online: Offset your credit card bills with your Daily$.

• Participating merchants: Redeem your Daily$ instantly online at the DBS Apple Rewards Store, Zalora, AXS, and Shopee.

Like most banks, DBS/POSB credit cards can be segregated into cashback or miles.

The best DBS/POSB cashback card for daily expenditure is the DBS Live Fresh Card, which rewards you with up to 6% cashback with a minimum spend of S$800, plus a 0.3% unlimited base cashback rate. You can use it for everyday spending such as shopping, dining, groceries, ride-hailing services, and public transport rides.

However, the DBS yuu Card is also an excellent cashback card, offering up to 18% cash rebate with a monthly minimum spend of S$600. Even if you don't hit the S$600 minimum spending requirement, you'll still get 5% cashback at Guardian, Gold Storage, Giant, 7-Eleven, BreadTalk, Toast Box, foodpanda, Singtel retailers, and more. 

If you're into miles, the DBS Woman's World Mastercard is one of the best miles cards, offering 4 mpd on the first S$1,500 of your online spend. While it has a high minimum annual income of S$80,000, it's not uncommon for those earning below that threshold to get approval, especially if you're an existing DBS cardholder.

Aside from that, the DBS Altitude Card is also a solid alternative; it offers 1.3 mpd on local spend and 2.2 mpd for foreign currency spend.

Additionally, you'll also get two free lounge passes a year (Visa version only) and your DBS Points never expire. If you own the DBS Woman's World Card or DBS Woman's Card, your DBS Points also pool together, so you can minimise orphan miles and paying conversion fees.