DCS Flex Card Review | What You Need To Know

DCS Flex Card

Earn up to 8% cash rebates (best value), 2.4 miles per dollar, or 8% investment credits

DCS Flex Card Overview:

The DCS Flex Card offers a versatile rewards structure wherein you can earn miles, cash rebate, or investment credits. With a competitive earning rate on cash rebate, this makes it a solid option for those seeking a cashback credit card. It also has its additional benefit like travel insurance.

Eligibility & Fees:

  • Minimum Age: 21 years old
  • Minimum Annual Income: S$30,000 (locals/PRs) or S$15,000 (aged 56 and above); S$60,000 (foreigners)
  • Annual Fee: Monthly service fee of S$10, (first year waived; afterwhich, perform a minimum of 5 transactions per month for the monthly fee to be waived) 

Key Benefits:

  • You can choose from three (3) reward options: Miles, Cash Rebates, or Investment
  • Earn up to 2.4 miles per dollar
  • Earn up to 8% cash rebates
  • Earn up to 8% investment credits
  • Minimum monthly spend of S$600
  • Capped at:
    • Miles: 750 miles per category; total 3,000 miles for all 4 categories
    • Cash Rebates: S$25 per category, total S$100 for all 4 categories
    • Investment Credits: S$25 per category, total S$100 for all 4 categories

Miles
Cash Rebates
Investment 
Foreign Currency Spend
2.4 miles per dollar
8% cash rebates
8% investment credits
Contactless Spend (SGD)
1.8 miles per dollar
6% cash rebates
6% investment credits
Online Spend (SGD)
1.8 miles per dollar
6% cash rebates
6% investment credits
All other spends (when you don't reach the S$600 minimum spend)
0.4 miles per dollar
0.3% cash rebates
0.3% investment credits
  • Enjoy up to S$1 million in personal accident protection, S$250,000 in on-flight personal accident insurance, and reimbursement for travel inconveniences when you pay your full airfare with the card.
Audz’ Preferred Strategy: Cashback
  • While miles programs can be tempting, the earn rate is too low as compared to the other miles credit cards in the market which offer better rewards with no minimum spending requirements. Investment credits, while potentially lucrative, come with added complexity and risk. The longevity of the investment platform can impact your returns. For greater control and potential returns, I would rather take cashback, then invest it into my preferred assets, tailoring it to my specific goals.
 
Best Used For Local Online and Contactless Spending for Maximum Rewards
  • To earn the most, spread your spending across at least two categories. Given the minimum monthly spend requirement of S$600, focusing on a single category won’t yield optimal rewards due to the earn rate cap. Stay within the Sweet Spot Spending for each category to maximise your cashback.
Earn Rate Cap
Sweet Spot Spending
Foreign Currency Spend
Miles: 750 miles
Cash Rebate: S$25
Investment: S$25
S$312.50
Contactless Spend (SGD)
S$416.67
Online Spend (SGD)
S$416.67
We will ignore “all other spends category” as the earn rate cap is irrelevant here for optimisation purposes.
 
  • Here’s the most ideal scenario for maximum optimisation:
Online Spend (SGD)
Contactless Spend (SGD)
Earn Rate (Cash Rebates)
Reward
S$416.67
S$416.67
6%
S$50 (max)
 
Good For Occasional Foreign Currency Spend
  • Even though foreign currency spend seem to have the highest earn rate, do take note that there is a foreign currency fee of 3.25%. Therefore, the earn rate will be lower than the local online and contactless spending (~4.75%). You will max out the cashback on foreign currency spend at a sweet spot spending of S$312.50.
 
Use Rewards Tracker To Track Your Spending
  • Open the app: Go to the DCS Cards app and find your DCS Flex Card.
  • Check your rewards: If you’ve spent at least S$600, you’ll see your rewards. For example, you might have earned S$16 in cashback for spending S$200 overseas.
  • See your reward history: To view a list of all your rewards, tap on “Benefit History.”
Exclusion List:
  • Annual fees
  • Service charges and/or late payment charges
  • All disputed charges unresolved as at DCS’ processing date of the monthly SoA
  • All adjusting entries on the statement of account
  • Casino/access charges and/or cheque encashing charges
  • Stolen/lost/fraud Card charges
  • AXS bill payments
  • Road Tax payment
  • All transactions at LTA
  • All transactions at Singapore Post
  • 0% Interest-free Instalment Payment Plan
  • ReadyCA$H
  • DCA$H
  • Balance transfer
  • Pay4U transactions
  • Cash advance transactions
  • Transactions made with Esso Fleet Card (EFC)
  • Any transaction with transaction description “AMAZE*”
  • Any transaction made with the following Merchant Category Codes (MCC):
MCC
Description
4784
Tolls and Bridge Fees
4829
Wire Transfer/Remittance
4900
Utilities
5199
Nondurable Goods 
5960
Direct Marketing – Insurance Services
6010
Financial Institutions – Manual Cash Disbursements
6011
Financial Institutions – Automated Cash Disbursements
6012
Member Financial Institution–Merchandise and Services 
6050
Quasi Cash–Financial Institutions, Merchandise and Services
6051
Quasi Cash–Merchant (Non-Financial Institutions – Foreign Currency, Non-Fiat Currency, Cryptocurrency) 
6211
Securities–Brokers and Dealers 
6300
Insurance Sales/Underwrite
6513
Real Estate Agents & Managers – Rentals
6529
Quasi Cash-Remote Stored Value Load-Financial Institute Rentals
6540
Stored Value Card Purchase/Load 
7349
Clean/Maint/Janitorial Serv aka Property Management 
7523
Automobile Parking Lots and Garages
4
Government-Owned Lotteries (US Region only)
7801
Government Licensed On-Line Casinos (On-Line Gambling) (US Region only)
7802
Government-Licensed Horse/Dog Racing (US Region only)
7995
Gambling – Betting, including Lottery Tickets, Casino Gaming Chips, Off-Track Betting, and Wagers at Race Tracks
8062
Hospitals
8211
Schools, Elementary and Secondary
8220
Colleges, Universities, Professional Schools and Junior Colleges
8241
Schools, Correspondence
8244
Schools, Business and Secretarial
8249
Schools, Trade and Vocational
8299
Schools and Educational Services–Not Elsewhere Classified
8398
Charitable and Social Service Organizations
8661
Religious Organizations
8651
Political Organizations
9211
Court Costs including Alimony and Child Support
9222
Fines
9223
Bail and Bond Payments
9311
Tax Payment
9402
Postal Services—Government Only
9405
Intra-Government Purchases—Government Only
9399
Government Services—not elsewhere classified
9406
Government-Owned Lotteries (Non-U.S. region)

 

Effective 1 June 2025:
  • EZ-LINK*
  • IPAYMY*
  • SIMPLYGO*
  • skrill.com*
  • TRANSIT*
Buffs:
  • Effective 1 July 2025, the monthly service fee will be decreased form S$15 to S$10
  • This card now supports Apple and Google Pay
 
Nerfs:

Effective 1 June 2025, the following merchant descriptions will be excluded from earning cash rebates, miles, and investment credits:

  • EZ-LINK*
  • IPAYMY*
  • SIMPLYGO*
  • skrill.com*
  • TRANSIT*

 

But do note that BUS and MRT rides will still earn the rewards as long as it is charged directly to the card.

SimplyGo tap-as-you-go will also be eligible— top-ups are the ones that are excluded.

Advantages:
  • Easy to achieve with broad requirements – No specific MCCs to spend on
  • Higher cash rebate rate
 
Disadvantages:
  • The annual fee is waived for the first year, after that, the fee is charged monthly. It’s currently unclear if you would need to call DCS each month to ask for a waiver, or if there’s other options. You can perform a minimum of 5 transaction per month to waived the monthly fee
  • Some customers reported difficulties contacting the DCS call centres
  • Is it possible to switch between cashback, miles, or investment credits on my card: Unfortunately, the reward type cannot be changed as of now, but DCS is already working on adding that option soon.
  • Where and how will I receive the miles/cashback/investment credits: Miles are credited to your Miles holding account and can be transferred to your Krisflyer account in multiple of 5,000 miles. A conversion fee of S$25 (subject to GST) applies for each redemption request and the process make take up to 15 working days. Here’s how to redeem:
      • Open the DCS Cards App and go to the Rewards Tracker screen
      • Tap “Redeem” or “Redeem Miles” on the Benefit History screen
      • Choose a redemption amount or enter a custom amount in multiples of 5,000 miles, then tap “Confirm.”
    • Cash Rebates will be credited on your card account in the following statement, applied to offset the billed amount.
    • Investment Credits will be deposited to your designated iFast account on the following month.
  • What are their current transfer partners for miles: Miles can only be converted to KrisFlyer miles
Final Thoughts:

This card may not be one of the highest cashback in the market (currently, the highest is 8%), but it is certainly one of the three cashback cards in my opinion with a low minimum spend required of S$600 with broad requirements for local online and contactless spending. Since it is not MCC specified and you don’t need to drill down to the MCC of the merchant to know if it qualifies for cashback. However, there are some minor inconveniences like monthly fee chargeable after 12-months fee waiver.

💳 Credit cards change their T&Cs every so often and it is difficult to stay updated. That’s why I created a Telegram Broadcast where you can receive timely bite-sized updates to get the most out of your spending.

💡 We believe in always paying our credit card bills on time and in full. It is only by doing that, can we fully maximise our credit card benefits.

Purchases made through links in this article may generate an affiliate commission that helps keep this site running. Found this post useful? Subscribe to our Telegram Channel for more updates!

lobangsis

Audz, your lobang sis shares personal finance to achieve happiness, prosperity and progress for us all.

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Maybank Family & Friends

Get Samsonite Interlace Spinner 67/24 when you spend S$1,300 for the first two months of card approval. Or, apply for CreditAble and spend S$1,200 for the first two months of card approval.

Valid till: May 1, 2026

DBS YUU

Receive S$300 cashback + S$80 Esso Fuel Voucher (promo code: YUU380) when you spend S$800 within 60 days of card approval

Valid till: October 31, 2025

Maybank XL

Get S$60 cashback when you make one transaction (first 2,000 customers)

Valid till: May 1, 2025

Citi Rewards

Get Apple iPad (A16) 11" Wi-Fi 128GB or Dyson Airwrap Origin or Apple Watch SE Gen 3 40mm (GPS + Cell) or S$450 Grab Voucher or S$400 Cash via PayNow when you spend S$500 within 30 days of card approval

Valid till: October 31, 2025

Valid for new-to-bank credit cardholders or does not own any of the bank’s credit cards in the last 12 months, unless otherwise stated.

Gift confirmation are usually sent after you have completed rewards redemption form (sent to your email) & fulfilled qualifying spend within stipulated period.

Maybank Family & Friends

Get Samsonite Interlace Spinner 67/24 when you spend S$1,300 for the first two months of card approval. Or, apply for CreditAble and spend S$1,200 for the first two months of card approval.

Valid till: May 1, 2026

DBS YUU

Receive S$300 cashback + S$80 Esso Fuel Voucher (promo code: YUU380) when you spend S$800 within 60 days of card approval

Valid till: October 31, 2025

maybank xl cardface

Maybank XL

Get S$60 cashback when you make one transaction (first 2,000 customers)

Valid till: May 1, 2025

Citi Rewards

Get Apple iPad (A16) 11" Wi-Fi 128GB or Dyson Airwrap Origin or Apple Watch SE Gen 3 40mm (GPS + Cell) or S$450 Grab Voucher or S$400 Cash via PayNow when you spend S$500 within 30 days of card approval

Valid till: October 31, 2025

DCS Flex Card

NIL

DCS Flex Card

  • You can choose from three (3) reward options: Miles, Cash Rebates, or Investment
  • Earn up to 2.4 miles per dollar
  • Earn up to 8% cash rebates
  • Earn up to 8% investment credits
  • Minimum monthly spend of S$600
  • Capped at:
    • Miles: 750 miles per category; total 3,000 miles for all 4 categories
    • Cash Rebates: S$25 per category, total S$100 for all 4 categories
    • Investment Credits: S$25 per category, total S$100 for all 4 categories

 

Annual Fee
  • Monthly service fee of S$15, (first year waived; afterwhich, you can perform minimum 5 transactions per month to waive the monthly fee) – effective 1 July 2025, this will be decreased to S$10

 

Income Requirement
  • S$30,000 (locals/PRs) or S$15,000 (aged 56 and above); S$60,000 (foreigners)

 

Where and how will I receive the miles/cashback/investment credits
  • Miles are credited to your Miles holding account and can be transferred to your Krisflyer account in multiple of 5,000 miles. A conversion fee of S$25 (subject to GST) applies for each redemption request and the process make take up to 15 working days.
    • Here’s how to redeem:
      • Open the DCS Cards App and go to the Rewards Tracker screen
      • Tap “Redeem” or “Redeem Miles” on the Benefit History screen
      • Choose a redemption amount or enter a custom amount in multiples of 5,000 miles, then tap “Confirm.”
  • Cash Rebates will be credited on your card account in the following statement, applied to offset the billed amount.
  • Investment Credits will be deposited to your designated iFast account on the following month.
 
Know what this card is best for


Terms and Conditions
Read Full Review

HSBC Revolution Card

  • Get Apple iPad (A16) 11″ Wi-Fi 128GB (worth S$499) or Bose QuietComfort Wireless Noise Cancelling Headphones (worth S$499) or Dyson Supersonic Hair Dryer (worth S$559) or S$475 Grab Vouchers or S$400 Cash via PayNow when you spend S$500 by the end of the following calendar month + provide marketing consent
  • Valid from from 10 October to 31 October 2025
  • Available for New HSBC Cardholders
    • New cardholder is defined as customers with no existing principal HSBC credit card and who haven’t canceled one in the past 12 months.

For Existing HSBC Cardholders:

  • Get S$50 cashback when you spend S$500 by the end of the following month
  • Valid until 31 December 2025
  • Available for Existing HSBC Cardholders
    • Existing Cardholder is defined as customers whose most recent principal HSBC Credit Card was issued more than 12 months ago and who haven’t canceled one in the past 12 months.
    • Eg. You already hold an HSBC TravelOne Card and you apply for HSBC Live+ Card, you are already an existing cardholder.
  • Read Terms and Conditions here
  • Must provide marketing consent to HSBC
  • This gift will be fulfilled directly by HSBC

HSBC Revolution Card

  • Earn 4 miles per dollar on selected online and contactless spend categories, capped at S$1,500 per calendar month (until 28 February 2026)
  • The categories include:
    • Department Stores and Retail Stores
    • Dining (excluding hotel dining)
    • Transportation & Membership Clubs
    • Travel-Related 
  • You will only earn 0.4 miles per dollar on other categories outside of these online categories and if you spend above $1,000 per calendar month.
  • The rewards points conversion fee is waived indefinitely— transferring your points is completely free!
  • Note: Contactless payment, upsized cap of S$1,500, and travel-related category will only be available until 28 February 2026. 

 

Special hack: 

Even though you may not be able to use the card for flights or hotel bookings directly, you can actually use atome to make your bookings via agoda or trip.com and pay via atome platform. Atome’s MCC is 5999 which falls under 4 mile per dollar category. In addition, spreading your travel spending across 3 months instalments can help you keep within the S$1,000 spending cap. However, you will not be able to earn extra cashback on platforms like Shopback or Azgo.

If you are new to Atome, you can sign up here to receive points that is equivalent to S$10 off your first transaction. 

 

Annual Fee
  • None

 

Income Requirement

  • The amount of  Total Relationship Balance—combined value of your deposits, investments, and insurance with HSBC, based on average monthly balance over the last 3 months— will determine the income requirement
    • Less than S$50,000 TRB 
      • Salaried (locals/PRs): S$65,000 
      • Self-Employed/Commission-based (locals/PRs): S$65,000
      • Foreigners: S$65,000
    • S$50,000 and above TRB
      • Salaried (locals/PRs): S$30,000 
      • Self-Employed/Commission-based (locals/PRs): S$40,000
      • Foreigners: S$65,000
         

Points Expiry
  • 37-month period, starting from the month after the month in which the points were acquired

 
Transfer Partners
  • Japan Airlines, Air Canada Aeroplan, Fortune Wings Club, Qatar Airlines, Turkish Airlines, Mileage Plus, Krisflyer, Thai Royal Orchid Plus, Flying Blue, Air Asia, British Airways, Asia Miles, Etihad, EVA Air, Qantas, Vietnam Airlines

 

Know what this card is best for:

 

Terms and Conditions

Read Full Review

Citi Rewards Card

Option 1: Direct Bank Promotion

  • Receive 40,000 bonus Points Welcome Offer when you spend S$800 in the first 2 months of account opening.
  • Valid til 28 February 2026
  • Read Terms and Conditions here
  •  

Option 2: Singsaver Promotion

  • Get Dyson Airwrap Origin (worth S$549) or Apple iPad (A16) 11″ Wi-Fi 128GB (worth S$499) or Apple Watch SE Gen 3 40mm (GPS + Cell) (worth S$419) or S$450 Grab Voucher or S$400 Cash via PayNow upon activating and spending a min. S$500 within 30 days of card approval
  • Valid until 31 October 2025
  • Promotion is valid for new to bank credit card holders
  • Read Terms and Conditions here
  • Must fulfill spending requirement to receive gift confirmation
  • Remember to check for SingSaver email and complete the registration to secure your reward!
  •  

Citi Rewards Card

  • Earn 4 miles per dollar on online spending, with no minimum spend and a spending cap of S$1,000 per statement month.
  • You can use this card for any online spending inclusive of ride-hailing apps or taxis.
  • Pro tip: Pair this card to Amaze for Overseas Offline Spending
  • Do not use on travel-related spending: Car Rentals, Hotels, Flights, Train Tickets or Public Transport (eg. SimplyGo)
  • Get 17% instant fuel discount on Techron® fuels with all Citi Credit/Debit cards when you pay with the CaltexGO app. Get 16% instant fuel discount on Platinum 98 or 14% instant fuel discount on other grades of petrol and diesel with all Citi Credit/Debit Cards.
    This is on top of 4 miles per dollar on Citi Rewards + Amaze.

 

Annual Fee
  • S$194.40 (First year waived)

 

Income Requirement
  • S$30,000 (locals/PRs); S$42,000 (foreigners)

 

Points Expiry
  • After 60 months (5 years) from the date the card is opened (i.e. not from the transaction date)., reward points will expire.

 

Transfer Partners
  • Krisflyer, Flying Blue, British Airways, Thai Royal Orchid, Etihad, Asia Miles, EVA Air, IHG, Qatar Airways, Turkish Airlines, Qantas

 

Know what this card is best for:

 

Terms and Conditions

Read Full Review

DBS Woman’s World Card

This card doesn’t offer any sign-up promotions. To make the most of your sign-up rewards, consider applying for the DBS Altitude card first. This is because you can combine points from both DBS cards, and the DBS Altitude card also includes two complimentary airport lounge passes.

DBS Altitude Card

Earn 1.3 miles per dollar on local spend and 2.2 miles per dollar on foreign currency spend

2 Priority Pass visits per membership year (Visa version only)

DBS Woman’s World Card

  • Earn 4 miles per dollar (10X DBS points per S$5) spent online, regardless of local or foreign currency. Capped at S$1,000 spending per calendar month
  • Earn 1.2 miles per dollar (3X DBS Points per S$5) spent abroad in-store 
  • No minimum monthly spending required
  • Best used for online or in-app spend (e.g Kris+) locally

 

Annual Fee
  • S$196.20, (First year waived)

 

Income Requirement
  • S$80,000/year (The income requirement is arbitrary – I was approved for the card even though I didn’t meet that income threshold.)

 

Points Expiry
  • 1 year from transaction (therefore you need to be able to earn miles fast or have multiple DBS points earning credit cards). Minimum redemption is 5,000 points (10,000 miles), leaving smaller amounts unusable (you can redeem mall vouchers, if you really need to.)

 

Transfer Partners
  • KrisFlyer, Asia Miles, Qantas Frequent Flyer

 

Know what this card is best for:

 

Terms and Conditions

Read Full Review

UOB Krisflyer Card

NIL

UOB Krisflyer Card

  • Earn uncapped 3 miles per dollar on SIA-related spend—Singapore Airlines, Scoot, KrisShop, and Kris+ purchases 
  • Earn 2.4 miles per dollar on eligible everyday spends with a minimum spend of S$1,000 on SIA-related spends in a card membership year
  • Earn 1.2 miles per dollar on all other purchases

 

Annual Fee
  • S$194.40 (incl. GST), waived for first year

 

Income Requirement
  • S$30,000 (locals/PRs); S$40,000 (foreigners)

 

Know what this card is best for

 

Terms and Conditions

Read Full Review

UOB Evol Card

Flash Deal:

  • Get Apple Watch SE Gen 3 40mm (GPS) (worth S$349) when your are among the first 3 successful new-to-bank cardholders at 12PM every day and spend S$500 within 30 days of card approval
  • Remaining applicants will receive the existing rewards
  • Valid until 14 October 2025

 

Existing Rewards:

  • Get S$60 Cash via PayNow when you spend S$500 in the first 30 days from card approval date
  • Valid until 14 October 2025
  • Valid for New-to-Bank Cardholders
  • Read Terms and Conditions here

UOB Evol Card

  • Earn 10% cashback on all online and mobile contactless spend (Apple Pay, Samsung Pay, Fitbit Pay)
  • Earn 10% cashback on Selected Gym, Telco, and Streaming Services (NEW!)
  • Earn 1% cashback on ALL Overseas Foreign Currency Spends (until 31 December 2025)
  • 0.3% cashback for all other spends
  • Minimum spend of S$800 each statement month
  • S$100 total cashback cap (until 31 December 2025) per statement month, capped at:
    • S$30 – online & mobile contactless
    • S$20 – selected gym, telco, and streaming services
    • S$20 – all overseas foreign currency spend
    • S$30 – other spends
  • Max possible cashback of 6.4% earned (not 10%)
Annual Fee
  • S$196.20 (incl. GST), waived with 3 monthly transactions for 12 consecutive months
Income Requirement
  • S$30,000 (locals/PRs); S$40,000 (Foreigners
Know what this card is best for:

Terms and Conditions

Read Full Review

DBS Live Fresh Card

  • Get S$300 cashback when you use the promo code: LFC300, and spend S$800 and have a valid DBS PayLah! account within 60 days from card approval date
  • Valid until 31 October 2025
  • Read Terms and Conditions here

DBS Live Fresh Card

  • Earn 6% cashback on shopping and transport when you spend S$800 per calendar month
 
Annual Fee
  • S$196.20 (including GST), waived for the first year
 
Income Requirement
  • S$30,000 (locals/PRs); S$45,000 (foreigners)
 
When is Cashback Credited
  • Cashback will be awarded to the account (that is of good standing) by the end of the following calendar month.
  • Cashback awarded will be reflected in the monthly Card Account statement. Cashback will automatically be applied to pay part of the billed amount for that statement month.

Terms and Conditions

Read Full Review

AMEX True Cashback Card

      • Get S$160 eCapitaVoucher when you spend S$500 within 30 days from card approval
      • Valid from 29 December 2025
      • Promotion is valid for new to bank credit card holders
      • Read Terms and Conditions here

      AMEX True Cashback Card

      • Earn 1.5% Unlimited Cashback with minimum monthly spending requirement and no maximum spending cap
      • Best used on commonly excluded merchants
       
      Annual Fee
      • S$174.40 (incl. of 9% GST) waived for the first year
       
      Income Requirement
      • S$30,000 (locals/PRs); S$45,000 (foreigners)
       
      When is Cashback Credited
      • Receive cashback in the same month’s statement
       
      Know what this card is best for

      Terms and Conditions

      Read Full Review

      UOB Absolute AMEX Card

      Flash Deal:

      • Get Apple Watch SE Gen 3 40mm (GPS) (worth S$349) when your are among the first 3 successful new-to-bank cardholders at 12PM every day and spend S$500 within 30 days of card approval
      • Remaining applicants will receive the existing rewards
      • Valid until 14 October 2025

       

      Existing Rewards:

      • Get S$60 Cash via PayNow when you spend S$500 in the first 30 days from card approval date
      • Valid until 14 October 2025
      • Valid for New-to-Bank Cardholders
      • Read Terms and Conditions here

      UOB Absolute AMEX Card

      • Earn 1.7% cashback with no minimum spend requirement, no cashback cap, and no spend exclusions
      • You can get 0.3% cashback on Grab Top-Up, this is the only card that still give rewards for GarbPay
      Annual Fee
      • S$196.20 (incl. GST), waived for first year
       
      Income Requirements
      • S$30,000 (locals/PRs); S$40,000 (foreigners)
       
      When is Cashback Credited
      • Cashback earned in current statement period is automatically used to offset the following month’s bill
       
      Know what this card is best for
       

      Terms and Conditions

      Read Full Review

      amex krisflyer ascend cardface

      AMEX Krisflyer Ascend Card

      • Get up to 20,000 KrisFlyer Miles when you spend a minimum of S$1,000 within the first 2 months of card approval
        • 13,800 bonus miles
        • 5,000 miles (first-time Singapore Airlines Credit Card applicants only)
        • 1,200 miles from spend
      • Only for new-to-bank card holders
      • Valid until 30 September 2025
      • Read Terms and Conditions here

      amex krisflyer ascend cardface

      AMEX Krisflyer Ascend Card

      • 1.2 miles per dollar on local and overseas spend
      • 2 miles per dollar on Singapore Airlines, Scoot, and KrisShop spend
      • 2 miles per dollar on Grab transactions, capped at S$200 per calendar month
      • No conversion fees
      • Get Accelerated to KrisFlyer Elite Gold Status
      • One Complimentary Night’s Stay at Hilton Hotel
      • Complimentary Travel Insurance
       
      Annual Fee
      • S$397.85
       
      Income Requirement
      • Not specified
       

      Terms and Conditions

      DBS Altitude Card

      • Get 38,000 miles when you use the promo code: ALTP38, pay the annual fee, have a valid DBS PayLah! account, and spend S$800 within 60 days from card approval date. 
      • Get 28,000 miles when you use the promo code: ALTPW28, choose not to pay the annual fee, but must have a valid DBS PayLah! account and spend S$800 within 60 days from card approval
      • Valid until 30 November 2025
      • Read Terms and Conditions here

      DBS Altitude Card

      • Earn 1.3 miles per dollar (3.25 DBS Points per S$5) spent locally, including bus and train rides and 2.2 miles per dollar (5.5 DBS Points per S$5) spent on overseas purchases in foreign currency with no minimum monthly spending required and no maximum spending cap
      • This comes with two complimentary lounge passes per 12-month membership period

       

      Annual Fee
      • S$196.20 (inclusive of GST), first year waived

       

      Income Requirement
      • S$30,000 (locals/PRs); S$45,000 (foreigners)

       

      Points Expiry
      • No expiry

       

      Know what this card is best for:

       

      Terms and Conditions

      Read Full Review