As the subsidiary of the world’s best bank, DBS, POSB bank has been promising the best credit card deals of the decade. Along with POSB credit cards, DBS has also aligned several other credit cards that will serve you best. 

Although Singapore’s economy comes to grips with troubled businesses and retrenchments, DBS/POSB banks have been committed in providing the ideal solutions in handling tough situations. From sustaining the employment rate to coming up with exclusive promotional offers, DBS/POSB has been providing great options for Singaporeans. 

Why Do You Need A DBS/POSB Credit Card? 

• The promotional deals

There are simply many deals for both new and existing DBS/POSB credit card holders. You can look out for the latest promotions that you can easily access through DBS PayLah! app. 

• Exchange points for rewards

You will be able to earn high interest rates offered on any DBS/POSB credit cards. Besides that, you can redeem exciting gifts as you exchange your points earned on any eligible items available. 

• Expense planner

The DBS PayLah! app can be more than just your promotions tracker. You can also monitor your expenses according to the categories you spend. Doing so allows you to stick to your budget and plan your earnings well. 

When you are choosing a credit card, your decision is influenced by the way you spend. Here’s a list of top DBS/POSB credit cards in Singapore that you can choose based on your expenditures. 

Daily Use: POSB Everyday Card

Do you prefer to enjoy rebates and cashback without any minimum spends? Then, a POSB Everyday Card is your most ideal option. It is basically allowing you to earn as you spend for your necessities on a regular basis. 

An average Singaporean who spends most on groceries, food delivery, and health would love this credit card. You can earn 3% instant cash rebate at Watsons and earn 5% cash rebate as you purchase more than S$800 on online platforms such as Amazon.sg, Lazada, Qoo10 and Shopee. 

As for online food delivery perks, you can enjoy up to 8% cash rebate on Foodpanda and Deliveroo when you spend more than S$800 per month. Also, if you choose to dine-in, then you are able to earn 3% cash rebate. In fact, you can earn 5% cash rebates on your grocery purchases more than S$800 at Sheng Siong every month. 

With a minimum of S$15 spend at Pet Lovers Centre, you are eligible to earn 3% cash rebate which can buy your pet the best supplies. Besides that, you can enjoy up to 20% at any SPC stations in the island. You can also use this credit card as an EZ-Link card. This ultimately simplifies your expenses on travelling. 

Annual Interest Fee and Rate

S$192.60 / 26.80%

Minimum Income Requirements

Singaporean/Permanent Resident : S$30,000

Non Singaporean : S$45,000

Low Monthly Expenses: DBS Live Fresh Card

With DBS Live Fresh Card, you can earn more while you spend less. A minimum monthly expenses worth of S$600 is more than enough to earn you 5% cashback on online and Visa Contactless payments. Plus, your first year annual fee is waived off. 

Young professionals who enjoy entertainment and shopping rebates will savour this credit card. From latest fashion to movie tickets, you are up for excellent rebates and discounts. You can easily earn S$60 every month as you spend online at Fly Scoot, Gojek Rides, and all authorised PayPal transactions. 

For daily public transport commuters, you can activate SimplyGo in this credit card to link your EZ-Link. You can have worry-free commutes with this card. Moreover, you can use it as an ATM card and make things easier for you.

And if you are new to Shopee, you get a S$7 discount for a minimum purchase of S$15. For existing Shopee customers, you can earn S$10 worth of discount for every S$100 spent on Thursdays. 

Annual Interest Fee and Rate

S$192.60 / 26.80%

Minimum Income Requirements

Singaporean/Permanent Resident : S$30,000

Non Singaporean : S$45,000

Online Shopping: DBS Woman's Card

Online shopping is inevitably the easiest and the most cost-efficient way of shopping. To further enhance your shopping experiences, you can use DBS Woman’s Card. There are unbelievable discounts and deals that you get to enjoy with this card. 

This card offers you 5X DBS points for every S$5 spent on online purchases. The points can also be converted to 10 air miles for every 5X DBS points. You can earn from Agoda bookings, online fashion and health stores. There are up to 10% rebates for services used at Browhaus, Strip, Estetica, and Est. Lab. Besides, you will have Complimentary e-Commerce Protection which protects all your online purchases made. 

There are also exclusive deals on dining at some of the best restaurants in the island. You can even reward yourself complimentary stay at The Fullerton Hotel Singapore. 

You can also use your rewards points to redeem Apple products, groceries, vouchers, offset purchases, movie tickets and many more. This credit card will certainly provide you an easy redemption experience. With one year lifespan, you have more than enough time to redeem the rewards points earned. It will be easy as there will be plenty of promotions and deals that you can redeem from. 

Annual Interest Fee and Rate

S$160.50 / 26.80%

Minimum Income Requirements

Singaporean/Permanent Resident : S$30,000

Non Singaporean : S$45,000

Air Miles: DBS Altitude American Express Card

For maximum earnings on air miles, you will need to sign up for a DBS Altitude Express Card. This is best suited for working adults who travel frequently. From managing hotels and ticket bookings to dining rewards, you can constantly earn as you travel. 

You can earn three miles for every S$1 you spend for traveling. Meanwhile, you will receive two miles for every S$1 spent in foreign currency. In addition, you have 1.2 miles for every S$1 you spend in Singapore. You can also quicken your miles earnings when you spend booking hotels and flights at Kaligo, Agoda and Expedia. 

The best part about air miles earned is that there is no expiry. So, you don’t have to worry about using all your air miles points within a restricted time. This card has S$1,000,000 worth of travel accident insurance coverage. And, every year when you pay your annual fee, you will instantly receive 10,000 bonus miles points. 

Besides hotels and flights, the card offers you 15% discounts on food and beverages. There are discounts at selected restaurants such as Porta, Park Hotel Clarke Quay, Gordon Grill and many more. You also get to enjoy up to 30% discounts on Lazada and up to S$15 discounts on RedMart. There are many other ongoing promotional deals that you can enjoy with this credit card.  

Annual Interest Fee and Rate

S$192.60 / 26.80%

Minimum Income Requirements

Singaporean/Permanent Resident : S$30,000

Non Singaporean : S$45,000

Students: DBS Live Fresh Student Card

We have looked through several options for working adults, so what about young students? Well, DBS offers you its first and best student credit card in Singapore, Live Fresh Student Card. This card is designed mainly for students from local universities and polytechnics. 

As a student, you will definitely need to spend more on food, coffee and entertainment. The best news is that you don’t have to worry about your minimum monthly income as there are no limits set on your income nor your monthly expenses. As a bonus, your yearly annual fee will be waived off for the first five years of your use! 

You stand a chance to earn 5% cashback on payments made at McDonald’s, Starbucks, Netflix, Spotify, and Golden Village. You can also enjoy ongoing promotions at Café Mosaic, Ikura Japanese, DC Super Heroes Café and more. As long as you frequently spend at any of these outlets, you can earn up to S$500 every month. This is the highest cashback rate offered for students with zero minimum income.

Just like every other DBS/POSB credit card, you can activate SimplyGo. So, you can skip the routine of checking and topping up your EZ-Link card balance every time you commute. There are also rebates and discounts on selected fashion stores such as Pomelo and Nike Stores. 

Annual Interest Fee and Rate

S$192.60 / 26.80%

Minimum Income Requirements

Singaporean/Permanent Resident : N/A

Non Singaporean : N/A

Get Your DBS/POSB Credit Card Now

Use this opportunity to optimise your expenses with one of these top DBS/POSB credit cards. You can enjoy earning as you spend for your daily needs.