DBS Credit Cards

Compare DBS credit cards against other leading providers in Singapore

About the provider

Development Bank of Singapore (DBS) is a multinational banking and financial services company headquartered in Singapore. It has market-dominant positions in consumer banking, treasury and markets, asset management, securities brokerage, equity and debt fund-raising in Singapore and Hong Kong. 

In Singapore, DBS provides personal banking and an array of DBS credit cards and debit cards such as DBS Woman’s MasterCard card, and specific cards such as DBS Takashimaya Card, DBS NUS Alumni Card, DBS Esso Card. Debit cards such as SAFRA DBS Debit Card, Passion POSB Debit cards and others are also a preferred choice in the country.

Why should I choose DBS credit cards?

DBS credit cards are teeming with rewards and card services to help you iron out financial issues in case of emergencies. Here are a few perks that await you: 

  • Temporary credit limit increase – Increase your credit limit through advance payment scheme and cover unexpected events like wedding, travel, compassionate visits and hospitalization. 
  • Borrow from your credit card – Get a chance to borrow up to your available credit limit on your DBS credit card with fixed interest rate for as low as 6.99% per annum and monthly installments from 12-60 months. Much more, no documents required when you withdraw cash directly to your deposit account. 
  • Affordable payment plans – Credit card holders can split their bills conveniently at 0% interest with flexible payment options of 3, 6, 12, 18 or 24 months. 
  • Reinstatement of suspended accounts – DBS reinstates deferred unsecured credits or credit cards through a free online application. 
  • Cash advance – Get instant cash to meet emergency financial situations through iBanking, DBS/POSB ATM or any DBS/POSB branch in Singapore. 
  • Pay other bank’s credit cards – Enjoy the convenience, simplicity, and security when paying your credit card balances from other banks with your DBS credit card for free. 
  • Enjoy featured rewards – With your DBS credit cards, you enjoy exclusive privileges and deals with DBS Lifestyle. Check out the list of merchants deals via the DBS Lifestyle app.

What privileges do you get from DBS credit cards?

Earn more points with DBS Altitude Card

If you are looking for the fastest way to earn points and fly anywhere, then the DBS Altitude Card is the right one for you. DBS rewards offer 3 miles for online transactions capped at $5,000 each month. Use your Altitude card to book your hotel and flight with Singapore Air, Cathay Pacific, Qatar Airways and Agoda. You can even enjoy up to 10 miles per dollar spend with online travel partners like Expedia and Kaligo. 
 

Party All Night Long with DBS Fresh Card
 
DBS credit cards will let you experience entertainment privileges and everything fresh through the Live Fresh card that provides 5% cashback for online shopping or using the VISA payWave through your card, Samsung Pay, Android Pay or Apple Pay. Simply spend a minimum of S$600 in a calendar month to receive up to S$60 cashback.
 
Savor Amazing Black Benefits with DBS Black Card
 
Shopping is the new black showered with huge rewards and entertainment privileges from DBS! Join the black wagon from now till 31st December 2017 as DBS Black Card offers 5% cashback when you shop in-store for clothes, bags, shoes, jewellery and watches, and at department stores with a minimum spend of S$700 and receive up to S$70 cashback.

You can also earn 3X DBS Points per S$5 spent on local Visa payWave purchases. Just tap and pay using your Card, Apple Pay, Samsung Pay or Android Pay. Get 1X DBS Point per S$5 spent on all other purchases. Don’t forget to check out DBS Lifestyle for the hottest designer labels and latest cafes. 

Be Rewarded for Your Alma Mater with DBS NUS Alumni Card

With the DBS NUS Alumni Card, you’ll be giving back to your alma mater of NUS with every transaction you make. DBS makes a contribution to support NUS students in bursaries and awards with each transaction. 

Plus, you’ll enjoy exclusive dining privileges for entertainment, dining, shopping and wellness on campus and islandwide. Earn 1X DBS point for every S$5 you spend locally. 

DBS Woman’s Card - Online Shopping Never Looked This Good

If you’re an online retail spending warrior, you’ll want this card in your life. It’s got some killer rewards such as 10X DBS Points (or 10 miles) per S$5 spent on online shopping purchase, 3X DBS Points (or 6 miles) per S$5 spent overseas shopping purchase and 1X DBS Points (or 2 miles) per S$5 spent on all other purchases. 

Not to mention, you’ll get complimentary e-commerce protection for your online purchases and up to 20% off at Lazada, YOOX and more. 

Enjoy great petrol privileges with DBS Esso Card

Some of the best fuel savings await you with the DBS Esso Card. You’ll practically drive for free with up to 21.2% savings on fuel. With this card, you’ll have auto-enrolment into Esso Smiles Driver Programme and reap the benefits such as S$10 instant fuel redemption with as low as 300 Smiles Points earned or up to S$30 instant fuel redemption with 750 Smiles Points earned.

DBS Takashimaya American Express Card

Frequent shopper at Takashimaya Department Store? This is the card you’ve been waiting for. With every 100 points (S$500 spend), get a $30 Takashimaya Voucher. On top of that, get an additional 10% savings during selected sale events at the department store. Plus, you’ll receive S$3 top-up to CashCard with a minimum spending amount of S$120.

 

What are the fees and charges?

Below is a table of annual fees that come with being a DBS credit cardholder. 

 

Annual Membership Fees

 

Card Type

Principal Card 

Supplementary Card

DBS Altitude Visa Signature

S$192.60

S$96.30

DBS Esso

S$192.60

S$96.30

DBS Woman’s World

S$192.60

S$96.30

DBS Takashimaya American Express

S$192.60

S$96.30

DBS NUS Alumni

S$128.40

S$77.04

DBS Black

S$192.60

S$96.30

DBS Live Fresh

S$192.60

S$96.30

DBS Woman’s

S$160.50

S$80.25

 

 

How do I apply for DBS credit cards?

Before you can enjoy the perks of any DBS credit card, you need to comply with the following application checklist: 

  • Applicants should be more than 21 years old
  • Singaporean Citizens and Permanent Residents should have a minimum annual income of S$30,000 while foreigners should have at least S$45,000 salary per year.
  • Applicants who do not have current DBS or POSB accounts should present copies of utility or telecommunication bills
  • Foreigners should also present a valid passport, Employment Pass, latest computerized pay slip and company letter certifying employment and salary. 
  • Singaporean citizens and permanent residents should submit a copy of NRIC, latest 12 months CPF contribution, most recent income tax notice of assessment, latest three months computerized pay slip and salary crediting personal DBS/POSB account number.
  • Student applicants should be existing students from NTU, NUS, SMU, SUTD, SIM, Nanyang Polytechnic, Ngee Ann Polytechnic, SIT, Temasek Polytechnic, Singapore Polytechnic or Republic Polytechnic. They should submit a copy of NRIC, student matriculation card, parent’s or guardian’s NRIC, proof of legal guardianship and passport.  
     

What other products does DBS offer?

DBS is your one-stop shop for financial products as it also offers: 

  • Insurance – Home insurance, travel insurance and personal accident plans can be acquired from DBS. 
  • Loans – DBS provides financing plans like home loans, personal loans, car loans, education loans and secured financing. DBS loans offer 1.99% interest rate per annum when you sign up for a car loan online. You can also enjoy 1.40% fixed rate per annum when you get approved for home loans. 

 

 

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Last update on Aug 21, 2019