POSB Everyday Card

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Ideal for

Family Dining

Card benefit

0.3- 10 % cashback

Annual Fee

S$196.20

Minimum Annual Income

S$30,000

Make your everyday more rewarding with the POSB Everyday Card. Enjoy up to 10% cash rebates on your daily spend, along with bigger savings on dining, shopping, and more!

Supported Payment Network:

Supported Payment Type:

Promo Code:SINGSAVER

Offers

SingSaver Reward up to S$879

Apply through SingSaver and choose from 12 premium rewards

Limited time only

Worth S$320

Limited time only

Worth S$350

Limited time only

Worth S$396

Limited time only

Worth S$479

Limited time only

Worth S$499

Limited time only

Worth S$559

Top-up only S$120

Limited time only

Worth S$799

Top-up only S$120

Limited time only

Worth S$649

Limited time only

Worth S$729

Top-up only S$200

Limited time only

Worth S$649

Top-up only S$300

Limited time only

Worth S$999

Top-up only S$600

Limited time only

Worth S$200

SingSaver Exclusive Offer

S$320 Cash via PayNow
S$350 eCapitaVoucher
22,000 Max Miles by HeyMax (worth S$396)
Sony WF-1000XM6 (worth S$479)
Dyson Cool™ AM07 Tower Fan (worth S$499)
Dyson V8 Cyclone Vacuum Cleaner (worth S$559, top up S$120)
Dyson Airstrait™ hair straightener (worth S$799) (Top up S$120)
Sony WH-1000XM6 Headphones (worth S$649) (top up S$200)
Dyson Clean+Wash Hygiene hard floor cleaner (worth S$729) (Top up S$200)
Apple iPad (A16) 11" 128GB WiFi (worth S$649) (Top up S$300)
Apple MacBook Neo (A18 Pro) 256GB w/ Magic Keyboard (worth S$999, top up S$600)

Stackable Welcome Offer

Up to S$200 Cashback on Cashline

Highlights

SingSaver's Take

Up to 10% cash rebates on food delivery via foodpanda, GrabFood and Deliveroo.

Up to 10% cash rebates on in-store spend in Malaysian Ringgit (MYR).

Up to 10% cash rebates on SimplyGo.

Things to Consider

Food delivery

Online shopping rebate

Rebate cap applied

Benefits

Cashback Local

Up to 10 %

Cashback Supermarket

5 %

Cashback Petrol

Up to 6 %

Cashback Retail

Up to 5 %

Cashback Local Online Shopping

Up to 5 %

Cashback Overseas Online Shopping

5 %

Cashback Overseas

Up to 10 %

Cashback Dining

Up to 10 %

Cashback Base Rate

0.3 %

Cashback Bonus Cap

S$ 120 / month

Cashback Transport

Up to 10 %

Fees & Charges

Annual Fee

S$ 196.20

Foreign Currency Transaction Fee

3.25 %

Cash Advance Service Charge

8 %

Late Payment Charge

S$ 100

Installment Rate

0 %

Installment Tenure

Up to 24 months

Installment Processing Fee

From 2 %

Eligibility

Monthly Spend Required

S$ 800

Minimum Annual Income

S$ 30,000

Minimum Age

21 years old

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SingSaver Promo Code

SINGSAVER

Annual Fee

S$196.20

Cashback Local

Up to 18 %

0.5 %

Airmiles Base Rate

0.28 miles / dollar

1.3 miles / dollar

POSB Everyday Card

Who is this card for

Parents with young children looking to earn cash rebates on daily expenses will benefit from the POSB Everyday Card. They’d be able to earn 5% cash rebates on groceries, whether they prefer to shop on Redmart or Sheng Siong. On hectic days, they’d be able to take advantage of the 10% cash rebates on online food deliveries. Meanwhile, the 10% cash rebates on offline MYR spend will come in handy during weekend trips in Johor Bahru. If they own a family car, they can also save on fuel at SPC stations islandwide, thanks to the 6% cash rebates.
Young working adults looking to save on everyday spending will also find the POSB Everyday Card useful. From 10% cash rebates on bus and train rides with SimplyGo, to 5% cash rebates on major e-commerce platforms including Shopee and TikTok Shop, the POSB Everyday Card can be an effective way to manage spending.

Compare to other cards

Now that you know the POSB Everyday Card makes for a solid everyday rewards card, it’s time to look at its direct competitors.

Compared to the DBS Live Fresh Card and the HSBC Live+ Credit Card, the POSB Everyday Card’s benefits seem to be tailored toward cardholders who rarely spend outside of Singapore and Johor Bahru. Unlike the DBS Live Fresh Card which offers rewards on select overseas spend, and the HSBC Live+ Credit Card, which offers discounts of up to 15% when you dine abroad, POSB Everyday Card members are only rewarded for offline MYR spend.

Another thing to note is the $800 minimum monthly spend needed for enjoying higher cash rebates. The same sum also applies to the DBS Live Fresh Card, whereas HSBC Live+ Credit Card members will need to fork out $1,000 for their first quarter and $600 for the subsequent quarter for that coveted 8% cashback rate.

All in all, the POSB Everyday Card is a good fit for people whose spending habits align with its benefits. If you’re looking to accumulate some savings each month, and you’re not a big spender, POSB’s relatively low cashback caps might not be a deal breaker. On the other hand, if you frequently travel around the region and want to earn rewards on in-person purchases, you might want to consider signing up for the DBS Live Fresh Card instead. Otherwise, there’s always the HSBC Live+ Credit Card with its complimentary travel insurance and dining deals across Asia—perks any traveller would love.

POSB Everyday Card

Interest rate: 27.8%

Annual fee: $196.20 (First year waiver available)

Minimum annual income:

$30,000 for Singapore citizens and PRs.
$45,000 for foreigners.

Benefits:

10% cash rebates on online food deliveries.
5% cash rebates on dining.
10% cash rebates on offline MYR spend.
10% cash rebates on bus & train rides with SimplyGo.
Up to 20.1% fuel savings at SPC stations islandwide.
Exclusive deals on dining, family attractions, fuel and groceries.
No minimum spend for groceries, fuels and pet supplies.

DBS Live Fresh Card

Interest rate: 27.80%

Annual fee: $196.20 (First year waiver available)

Minimum annual income:

$30,000 for Singaporeans and PRs
$45,000 for foreigners

Benefits:

5.7% cashback on transport and shopping spend.
3.25% cashback on overseas point-of-sales transactions in Brunei, Cambodia, China, Indonesia, Hong Kong, Japan, Laos, Malaysia, Mongolia, Myanmar, Philippines, South Korea, Taiwan, Thailand and Vietnam.
0.3% unlimited cashback on all spending.
Get discounts on AirAsia, Korean Air and Qatar Airways flights and travel bookings with Trip.com, Expedia and more.

HSBC Live+ Credit Card

Interest rate: 26.9%

Annual fee: $196.20 (First year waiver available)

Minimum annual income:

$30,000 for Singaporeans and PRs.
$40,000 for foreigners.

Benefits:

8% cashback on eligible dining, shopping and entertainment expenses. Get cashback on your streaming subscriptions, like Netflix, Spotify and Disney+.
5% cashback at Shell and Caltex stations, and up to 17% in fuel savings.
0.3% cashback on all other eligible spend.
Complimentary AIG insurance coverage on any loss or damage to your online purchases.
Discounted rates on comprehensive travel insurance from HSBC TravelSure, with over 50 benefits including Cancel For Any Reason.

Credit card application

Step 1: Apply via our POSB Everyday Card page

Start by clicking on our card application link.

Check to see if your income data and identification details are up to date on SingPass MyInfo, so you can apply with SingPass. Your approval-in-principal page should appear within minutes of submitting your application.

Step 2: Make sure you have all your documents

Want to skip the hassle of consolidating all your required documents? Consider applying with SingPass to streamline the process. Otherwise, prepare the following:

The front and back of your NRIC
Latest 3 computerised payslips or crediting bank statements
Latest Income Tax Notice of Assessment

Step 3: Say hello to your new card

Activate your new POSB Everyday Card via the digibank mobile app. You'll need to enter a One-Time-Password after entering your 6-digit online banking PIN to secure your credit card transactions. Now you can start collecting your cash rebates as you spend, and track your transactions on the go!

Credit card application resources

Frequently asked questions about the POSB Everyday Card

Are there annual fees for the POSB Everyday Card?
Yes, the annual fee for the POSB Everyday Card is $196.20. Each supplementary card will cost you $98.10 per card. The annual fee for the first year of your membership is waived.
What is the income requirement for the POSB Everyday Card?
Singaporean citizens and Permanent Residents will need a minimum annual income of $30,000, while foreigners will need to earn $45,000 per year.
What is the mile per dollar or cashback offered?
The POSB Everyday Card offers 10% cash rebates on online food deliveries, offline MYR spend, as well as bus and train rides with SimplyGo. You can also get 5% cash rebates on dining and e-commerce spend on popular online shopping sites like Lazada and Shopee. POSB Everyday Card members can also claim 20.1% fuel savings at SPC stations islandwide.
Are there extra perks for the credit card?
When you spend with your POSB Everyday Card, you get cashback in the form of Daily$. Redeem your Daily$ to offset purchases at Pet Lovers Centre, Sheng Siong or a SPC station. You can also do so online via the DBS Apple Rewards store or through the Zalora, AXS or Shopee app.

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POSB Everyday Card