From 3 November to 31 December 2025, DBS/POSB is offering an exclusive S$100 bonus cashback when you spend on in-person overseas and dining transactions in foreign currency. This is on top of the usual rewards.
This promotion is limited to the first 40,000 registered users, so early registration is key. Registration can only be done through the DBS PayLah! app.
Don’t have DBS PayLah! yet? Receive S$5 here!
AUDJOF959
- Download the DBS PayLah! app from the App Store or Google Play
- Enter the code AUDJOF959 during sign-up
- Receive S$5
How to Join the Promotion
Step 1: Register via DBS PayLah!
- Open the DBS PayLah! app and tap ‘Rewards’ at the bottom menu bar.
- Look for the banner titled ‘Overseas Shop & Dine Cashback Promotion 2025’ and tap to register.
- If you’re new to PayLah!, download it from the App Store or Google Play Store.
Step 2: Be Among the First 40,000 Registrants
- Only the first 40,000 principal credit or debit cardmembers will qualify.
- Your eligible spend will only start tracking from the date of registration, so make sure to register before you start spending.
- Transactions made before registration won’t count—even if they fall within the promo period.
Step 3: Track Your Progress
- After registration, you can monitor your spending via the ‘Overseas Shop & Dine Cashback Promotion 2025’ Spend Tracker on PayLah!.
- Once you hit your spend goal, you’ll automatically qualify for the S$100 cashback reward. Your spend goal is personalized by DBS based on your previous spending patterns, can range from S$1,000 to S$5,000. In my case, I was given S$1,000. At S$1,000, the cashback is 10% while accumulating your regular miles/cashback.
Step 4: Receive Your Cashback
Your S$100 cashback will be credited to your DBS/POSB credit or debit card (whichever was last used) within 5 working days after you receive the PayLah! notification confirming 100% goal completion. It will then appear in your next card statement.
Qualifying Spend Categories
- A major advantage of this promotion is that your qualifying spend is combined across all DBS/POSB credit cards. This allows you to split your spending between multiple cards to reach your target amount.
- For instance, if your goal is S$1,000, you can divide your spending between different DBS cards, and purchases made by supplementary cardholders will also contribute to the principal cardholder’s total, making it easier to hit the required spend.
- You’ll earn cashback on eligible overseas in-store shopping and dining transactions, as long as they fall under the qualifying categories. Online payments are excluded, so avoid making purchases through mobile ordering applications & domains (e.g. Alipay, Wechat Pay or similar apps), as these won’t be counted.
- Also note that these transactions must be processed in foreign currency, not SGD.
Shopping Spend
Category | Examples | Exclusions |
Apparel | Adidas, Charles & Keith, Cotton On, H&M, Mango, Nike, Uniqlo, Zara, Chanel, Gucci | Transactions from Membership purchase, Clubs, Grocery Shops, Supermarket, Chemists, Pharmacies, Convenience Stores and Telco (e.g. Singtel, StarHub etc) will not be included as Shopping Spend. Transactions made via DBS Instalment Payment Plans (IPP) will also not be included as eligible spend. |
Department Stores | Don Quijote, Bicester Village, Printemps, SOGO, Matsumoto Kiyoshi, Isetan, Marks & Spencer, Takashimaya, | |
Electronics & Computers | Apple, Dyson, Huawei, Samsung, Sony | |
Home/Office Furnishing & Appliances | IKEA, Mr D.I.Y., Akemi Uchi, Hooga | |
Specialty Retail | Bath & Body Works, Coach, Furla, Louis Vuitton, Michael Kors, Rolex, Swarovski | |
Personal Services | Estee Lauder Cosmetics, L’Occitane, Sephora, The Body Shop, Aesop | |
Watches & Jewellery | Cartier, Cortina Watch, Goldheart, Patek Philippe, The Hour Glass, Tiffany & Co |
Dining Spend
Category | Examples | Exclusions |
Eating Places and Restaurants | Din Tai Fung, Beauty in The Pot, Swensen’s, Coffee Bean & Tea Leaf | Transactions from Agriculture Cooperatives (e.g. Quan Fa Organic Farm, Farmer’s Market), venue bookings for F&B events will not be included as Dining spend. Transactions made via DBS Instalment Payment Plans (IPP) will also not be included as eligible spend. |
Drinking Places (Alcoholic Beverages) – Bars, Taverns, Nightclubs, Cocktail Lounges, and Discotheques | O’Learys, Zouk | |
Fast Food Restaurants | Domino’s Pizza, KFC, McDonald’s | |
Sweets, Nuts, and Confectionery Shops | Bacha Coffee, Laderach | |
Bakeries | Cedric Grolet Opéra, Lune | |
Miscellaneous Food ShopsConvenience Stores and Specialty Markets | Nespresso | |
Package Shops – Beer, Wine, and Spirits | Crystal Wines, Paneco |
Eligible Cards
This promotion is open to all DBS/POSB personal principal credit and debit cardholders, including:
Subject to Foreign Currency (FCY) Fee
Do note that all foreign currency transactions are subject to an FX fee:
- 3.25% for most DBS/POSB cards
- 3% for DBS Altitude AMEX and DBS Treasures Black Elite
However, there’s one exception worth noting — the DBS Live Fresh Card offers a way to offset foreign transaction fees entirely (see below).
Recommended Cards for This Promo
1.DBS Altitude
- A solid all-rounder that earns miles on overseas spending, making it a great pick if you’re traveling during the promo period as it earns an uncapped 2.2 miles per dollar on foreign currency transactions. The 3% FX fee (for AMEX) is slightly lower than most cards, adding to its appeal. However, the retailer may or may not be able to accept Amex, so I carry the Visa version which is more widely accepted worldwide.
2. DBS Live Fresh Card – Zero FX Fee Promo
- There is an ongoing promo for this card to offset the 3.25% fcy fees of up to S$50 when you spend a minimum of S$800 per calendar month.
- At a sweet spot spending of S$1,538, you would max out this foreign currency fee cashback of S$50.
- This promotion is only available across selected destinations:
- Southeast Asia: Brunei, Cambodia, Indonesia, Laos, Malaysia, Myanmar, Philippines, Thailand, Vietnam
- East Asia: China, Hong Kong, Japan, Mongolia, South Korea, Taiwan
- You can get more information on the DBS Livefresh website.
- DBS Live Fresh Promo T&Cs
3. DBS Woman’s World Card
- While it’s primarily known for online rewards at 4 miles per dollar, the DBS Woman’s World Card also earns an uncapped 1.2 miles per dollar on offline foreign currency transactions.
Here are the top picks at a glance:
Cards | DBS Altitude | DBS LiveFresh | DBS WWMC |
Fcy fees | 3.25% (Visa) 3% (Amex) | 0% fx fees, up to S$50 cashback for fx fees | 3.25% |
In-store Shopping Earn Rate | 2.2 miles per dollar | 6% cashback, Capped at S$50 per calendar month Sweet spot spending: S$877.19 per month | 1.2 miles per dollar |
In-store Dining Earn Rate | 2.2 miles per dollar | 0.3% unlimited cashback | 1.2 miles per dollar |
Min spend required on card | nil | S$800 per month | nil |
Best for: | both shopping and dining | only shopping | both shopping and dining |
My Strategy:
If I were in-store shopping overseas paying in foreign currency, DBS Livefresh would be my top choice with a minimum spend of S$800, up to a sweet spot spending of S$877.19 per calendar month to max out the cashback. Afterwhich, I would switch to DBS Altitude for the remaining S$122.81 for the rest of the shopping or dining spend to hit S$1,000 of my spend goal for this promotion. Do check your spend goal to see if it’s even worthwhile for you to go for this promotion.
Conclusion:
If you’re planning an overseas trip, the DBS/POSB Overseas Shop & Dine Cashback Promotion is a great way to earn extra value on your spend. With a generous S$100 cashback up for grabs and simple tracking via DBS PayLah!, it’s an easy win for DBS Altitude and DBS LiveFresh cardholders to double dip on rewards.
Just remember — registration is limited, and cashback is only available to the first 40,000 sign-ups. So, don’t wait too long to register and start swiping toward that S$100 reward!
