DBS Live Fresh Card Review | What You Need To Know

DBS Live Fresh Card Overview:

DBS Live Fresh is a credit card that rewards you for living a sustainable and eco-friendly lifestyle. This lets you earn a high cashback of 6% on Shopping and Transport spend.

DEAL ENDS 3 MAY 2026 · 13 DAYS LEFT

DBS Live Fresh Card

6% cashback on shopping and public transportation (S$800 min spend).

🎁 Up to S$599

Choose 1 Gift Selection form emailed after application

Dyson TP10

Retail S$599

Tower fan + air purifier

Galaxy Buds4 Pro + S$100 eCapitaVoucher

Worth S$449

Wireless earbuds + shop at CapitaLand malls

20,000 MaxMiles by HeyMax

Worth S$360

Convert to airline miles or retail vouchers with HeyMax

S$340 eCapitaVoucher

Shop at CapitaLand malls

S$300 Cash via PayNow

No bank details needed

Apply for DBS Live Fresh →

Requirements

You qualify if: you have no DBS/POSB credit card right now, AND haven't cancelled any DBS/POSB credit card in the last 12 months
Enter promo code SINGSAVER during application
Spend min. S$500 within 30 days of card approval
SingSaver will email you a Rewards Redemption Form — check inbox (and spam folder) after applying. Fill it in within 14 days to claim your gift, or you'll lose it.

Ends 3 May 2026 Fine print →

Eligibility & Fees:

Minimum Age: 21 years old
Minimum Annual Income: S$30,000 (locals/PRs); S$45,000 (foreigners)
Annual Fee: S$196.20 (including GST), waived for the first year

Key Benefits:

Earn 6% cashback on shopping and transport when you spend S$800 per calendar month
Earn 0.3% cashback for all eligible spends

How to Best Optimise it:

Best used on Shopping and Transport Spend

Shopping Spend:

Apparel
Department Stores
Electronics and Computers
Home/Office Furnishing & Appliances
Personal Services
Specialty Retail
Watches & Jewellery

MCC	Description
4225	Public Warehousing and Storage-Farm Products, Refrigerated Goods, Household Goods, and Storage
5021	Office and Commercial Furniture
5045	Computers and Computer Peripheral Equipment and Software
5065	Electrical Parts and Equipment
5094	Precious Stones and Metals, Watches and Jewelry
5111	Stationery, Office Supplies, Printing and Writing Paper
5137	Men’s, Ladies, and Children’s Uniforms and Commercial Clothing
5139	Commercial Footwear
5193	Florists Supplies, Nursery Stock and Flowers
5200	Home Supply Warehouse
5262	Online Marketplaces
5309	Duty Free Shops
5310	Discount Stores
5311	Department Stores
5331	Discount Shops
5399	Miscellaneous General Merchandise
5531	Auto Store, Home Supply Stores
5611	Men’s and Boys’ Clothing and Accessories Shops
5621	Ladies Ready-to-Wear Shops
5631	Ladies Accessory and Specialty Shops
5641	Children’s and Infants’ Wear Shops
5651	Family Clothing Shops
5655	Sports and Riding Clothes Shops
5661	Shoe Shops
5681	Furriers and Fur Shops
5691	Men’s and Ladies Clothing Shops
5697	Tailors, Seamstresses, Mending, and Alterations
5698	Wig and Toupee Shops
5699	Miscellaneous Clothing and Accessory Shops
5712	Furniture, Home Furnishings, and Equipment Shops, Except Appliances
5713	Floor Covering Shops
5714	Drapery, Window Covering, and Upholstery Shops
5718	Fireplace, Fireplace Screens and Accessories Shops
5719	Miscellaneous Home Furnishing Specialty Shops
5722	Household Appliance Shops
5732	Electronics Shops
5734	Computer Software Shops
5931	Used Merchandise and Secondhand Shops
5932	Antique Shops-Sales, Repairs, and Restoration Services
5933	Pawn Shops
5937	Antique Reproductions
5943	Stationery Shops, Office and School Supply Shops
5944	Jewelers, Watches, Clocks, and Silverware Shops
5947	Gift, Card, Novelty and Souvenir Shops
5948	Luggage and Leather Goods Shops
5950	Glassware/Crystal Shops
5973	Religious Goods Shops
5977	Cosmetics Shops
5978	Typewriter Shops – Sales, Rentals, Service
5992	Florists
5993	Cigar Shops and Stands
5996	Swimming Pools – Sales and Service
5997	Electric Razor Shops – Sales and Service
5999	Miscellaneous and Specialty Retail Shops
7230	Beauty and Barber Shops
7251	Shoe Repair Shops, Shoe Shine Parlors, and Hat Cleaning Shops
7273	Dating and Escort Services
7277	Counseling Services-Debt, Marriage, and Personal
7278	Buying and Shopping Services and Clubs
7297	Massage Parlors
7298	Health and Beauty Spas
7299	Miscellaneous Personal Services-Not Elsewhere Classified
7321	Consumer Credit Reporting Agencies
7361	Employment Agencies and Temporary Workers Services
7392	Management, Consulting, and Public Relations Services
8351	Child Care Services
9751	U.K. Supermarkets, Electronic Hot File

Transport Spend:

Public Transport
Ride-Hailing Services
Taxis

MCC	Description
4011	Railways
4111	Local and Suburban Commuter Passenger Transportation, including Ferries
4112	Passenger Railways
4121	Taxicabs and Chauffeur-Driven Limousines
4131	Bus Lines
4214	Motor Freight Carriers and Haulage-Local and Long Distance, Removal and Storage Companies, and Local Delivery Services
4215	Courier Services-Air and Ground, and Freight Forwarders
4789	Transportation Services
7511	Truck Stop Transactions

*the above list is not an exhaustive list and are subject to changes from time to time.

Here is the Sweet Spot Spending to earn maximum cashback:

Category	Earn Rate	Base Rate	Cashback cap per month	Sweet Spot Spending
Shopping Spend	5.7%	0.3%	S$50	S$877.19
Transport Spend	5.7%	0.3%	S$20	S$350.88

For all other spend categories like dining, you will only earn 0.3% cashback. Therefore, it would not make sense to use this card outside of shopping and transport spend and above the sweet spot spending in that particular month.

What to Avoid:

Exclusion List:

Posted 0% Interest Instalment Payment Plan monthly transactions;
Posted My Preferred Payment Plan monthly transactions;
Interest, finance charges, cash advances, cash withdrawal, balance transfer, smart cash, AXS payments (except Pay + Earn), SAM online bill payments, bill payments via internet banking, and all fees charged by DBS;
Any transaction subsequently cancelled, voided, refunded, or reversed for any reason;
Any other transactions determined by DBS from time to time;
Any transactions under these MCCs:

MCC	Description
4784	Toll and Bridge Fees
4829	Money Transfer
4900	Utilities – Electric, Gas, Water, Sanitary
6010	Financial Institutions – Manual Cash Disbursements
6011	Financial Institutions – Automated Cash Disbursements
6012	Financial Institutions – Merchandise, Services and Debt Repayment
6051	Non-Financial Institutions – Foreign Currency, Liquid and Cryptocurrency Assets, Money Orders (not Money Transfer), Account Funding (not Stored Value Load), Travelers Cheques, and Debt Repayment
6211	Security Brokers/Dealers
6300	Insurance Sales, Underwriting, and Premiums
6381	Insurance Premiums
6399	Insurance, Not Elsewhere Classified
6540	Non-Financial Institutions – Stored Value Card Purchase/Load
7523	Parking Lots, Parking Meters and Garages
7995	Betting (including lottery tickets, casino gaming chips, off-track betting, and wagers at race tracks) through any channel;
8062	Hospitals
8211	Elementary and Secondary Schools
8220	Colleges, Universities, Professional Schools, and Junior Colleges
8241	Correspondence Schools
8244	Business and Secretarial Schools
8249	Vocational Schools and Trade Schools
8299	Schools and Educational Services (Not Elsewhere Classified)
8398	Non-profit Organisations
8661	Religious Organisations
9211	Court Costs, Including Alimony and Child Support
9222	Fines
9223	Bail and Bond Payments
9311	Tax Payments
9399	Government Services (Not Elsewhere Classified)
9402	Postal Services – Government Only
9405	Intra-Government Purchases – Government Only

AMAZE*	AXS BizPay*	AXS PTE LTD*
BAGUS*	CANTINE*	EZLINK*
EZ-LINK*	PAYPAL AXS PTE LTD	RAZERPAY*
SAM -*	SAM PAYMENTS*	SEDAP*
SGEBIZ*	SHOPEEPAY*	SINGAPORE E-BUSINESS*
SINGTEL DASH*	TRANSIT 3*	YOUTRIP*

Is it Worth it:

Advantages:

No cap on base cashback
Increased to 6% cashback on Shopping and Transport spend
Higher cashback cap of S$50 on the update than the recent S$20

Disadvantages:

The new change has a higher minimum spend required with a lower cashback rate
S$800 minimum spend may compel us to spend more than required, if we are generally low spenders or just starting to have an income
Upon effectivity of the update, bonus cashback is only limited to shopping and transport spend, and common spendings like dining and groceries does not earn the bonus cashback

Past Buffs/Nerfs:

Previously, it offers up to 5% cashback on online & visa contactless spend with an additional 5% green cashback when you spend on selected Eco-Eateries, Retailers, and Transport Services. All other spends will earn you 0.3% cashback.

Watch My Tiktok Video:

Before the 1st March update was announced: Video HERE
About the 1st March update was announced: Video HERE

Frequently Asked Questions:

When will I get my Cashback:

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.

Additional Resources:

Read Terms and Conditions here

Final Thoughts:

This card is no longer a great cashback card for one’s daily spending with the upcoming changes. It could be a useful card when you are spending on shopping or transport category for the month.

💳 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.

lobangsis

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lobangsis

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

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Citi Rewards

Get 22,000 HeyMax Miles or Dyson Airstrait™ straightener or Galaxy Buds 4 Pro + S$150 eCapitaVoucher or S$450 Grab Voucher or S$420 Cash via PayNow when you spend S$500 within 30 days of card approval

Valid till: April 12, 2026

APPLY NOW

OCBC Infinity

Get Dyson Airstrait or 22k Heymax Miles or Samsung Galaxy Buds4 Pro + S$180 eCapitaVoucher Bundle or S$400 Cash via PayNow when you spend S$400 within 30 days of card approval

Valid till: May 3, 2026

APPLY NOW

HSBC Revolution

Get Samsung Galaxy Buds4 Pro + S$160 eCapitaVoucher Bundle or Dyson Airstrait™ straightener or 22k HeyMax Miles or S$400 Cash via PayNow when you spend S$500 by the end of the following calendar month + provide marketing consent

Valid till: May 3, 2026

APPLY NOW

Citi Cashback

Valid till: April 12, 2026

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.

Citi Rewards

Valid till: April 12, 2026

APPLY NOW

OCBC Infinity

Get Dyson Airstrait or 22k Heymax Miles or Samsung Galaxy Buds4 Pro + S$180 eCapitaVoucher Bundle or S$400 Cash via PayNow when you spend S$400 within 30 days of card approval

Valid till: May 3, 2026

APPLY NOW

HSBC Revolution

Valid till: May 3, 2026

APPLY NOW

Citi Cashback

Valid till: April 12, 2026

APPLY NOW

UOB Lady’s Card

First eligible applicant at 2pm and 10pm daily to claim the below reward:
- 16 – 30 April 2026
  - 2PM – Apple iPhone 17 256G (worth S$1,299)
  - 10PM – 44k MaxMiles by HeyMax (worth S$792)
Remaining Customers: S$90 Cash via PayNow
Must spend S$500 within the first 30 days from card approval
Valid for New-to-Bank Cardholders
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!

UOB Lady’s Card

Earn 4 miles per dollar (10x UNI$ for every S$5 spent) on your preferred category
Earn 0.4 miles per dollar (1x UNI$ per S$5 spent) base earn rate
No minimum monthly spending required
Spending Cap:

- Classic Card: S$1,000
- Solitaire & Above Card: S$1,500 — spending cap of S$750 per category

Depending on what your planned usage is, you can change the categories every quarter.

Annual Fee

S$196.20 (incl. GST), waived for first year

Income Requirement

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

Points Expiry

They expire 2 years after the final day of each periodic quarter in which they were earned

Know what this cards is best for

Terms and Conditions

Read Full Review

UOB Visa Signature

First eligible applicant at 2pm and 10pm daily to claim the below reward:
- 16 – 30 April 2026
  - 2PM – Apple iPhone 17 256G (worth S$1,299)
  - 10PM – 44k MaxMiles by HeyMax (worth S$792)
Remaining Customers: S$90 Cash via PayNow
Must spend S$500 within the first 30 days from card approval
Valid for New-to-Bank Cardholders
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!

UOB Visa Signature

Earn 4 miles per dollar (10x UNI$ per S$5) on Overseas Spend with a minimum spend of S$1,000 in FCY per statement month
Earn 4 miles per dollar (10x UNI$ per S$5) on Petrol Spend and Contactless Transactions (including SimplyGo) with a minimum spend of S$1,000 in SGD per statement month
Spending Cap:
- Until 1 August 2025 Statement:
  - Combined cap of S$2,000 per statement month
- From 1 September 2025 Statement – Split into 2 categories:
  - Category 1 (Overseas Spends including Online): S$1,200 (UNI$2,400) per statement month
  - Category 2 (Petrol and Contactless Spends including SimplyGo): S$1,200 (UNI$2,400) per statement month
    
    Note: Categories 1 and 2’s cap are separate — you can meet just one or both.

Annual Fee

S$218 first year waived

Income Requirement

S$50,000 (locals/PRs); S$40,000 (foreigners)

Points Expiry

UNI$ are valid for 2 years, starting from the end of the quarter in which they were earned.

Terms and Conditions

Read Full Review

UOB Preferred Platinum Visa

NIL

UOB Preferred Platinum Visa Card

Earn 4 miles per dollar on mobile contactless payments, online shopping, and entertainment, no minimum spend, capped at S$1,200 per calendar month
- Spend caps will be divided into 2 categories:
  - 1st category – Mobile Contactless Payment (S$600 spend cap)
  - 2nd Category – Selected Online Transactions (S$600 spend cap)
Earn 0.4 miles per dollar on other spending
Can earn on specific online payments (specific MCCs only) and on the following mobile contactless (in-store) payment method:
- Apple Pay
- Google Pay
- Samsung Pay (excluding MST)

Annual Fee

S$196.20, first year waived

Income Requirement

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

Points Expiry

UNI$ are valid for 2 years, starting from the end of the quarter in which they were earned.

Know what this card is best for:

Best Cards for Kris+ – Dining & Shopping Spends

Terms and Conditions

Read Full Review

Maybank Family & Friends Card

Receive Samsonite Interlace Spinner 67/24 as a new-to-bank customer, when you apply for a new Maybank Credit Card and charge a minimum of S$1,300 within the first two months of card approval. Alternatively, you may apply for CreditAble and a new Maybank Credit Card, and charge a minimum of S$1,200 within the first two months of card approval.
Fill up this google form after signing up to qualify for rewards
Read Terms and Conditions here

Maybank Family & Friends Card

Earn 6% or 8% cashback for five (5) of your chosen spend categories across ten (10) options.
- Each category has a cashback cap of S$120 or S$180 (which would max out at S$333.33 or S$375 of spending per category)
Earn bonus 8% cashback on Malaysian Ringgit or Indonesian Rupiah spends
Minimum spend of S$800 (Effective 01 January 2026, these changes will take effect):

Tier	Minimum Spend	Cap per Category
Tier 1 – 6% cashback	S$800 per calendar month	S$20 (max S$333.33 spend)
Tier 2 – 8% cashback	S$1,600 per calendar month	S$30 (max S$375 spend)
Base cashback will also drop from 0.3% to 0.22% for all other spend.	✔ Free Tablet Plus Membership	Base cashback will also drop from 0.3% to 0.22% for all other spend.

Earn unlimited 0.22% cash rebates on all spends below S$800

Annual Fee

S$180 (First 3 years free)

Income Requirement

S$30,000 (locals/PRs); S$60,000 (foreigners)

How to choose my Categories

To choose your desired Categories, the Cardmember needs to download the Maybank TREATS SG mobile app, then select and confirm the categories on the Benefit Selection page. This choice will apply to the first Lock-In Period (3 months), and no changes can be made once confirmed; You can change the categories quarterly and you may choose depending on your spending needs. The categories will take effect the following month.

Know what this card is best for

Best Cards for Kris+ – must choose dining and/or online shopping category
Best Cards for EV Charging – must choose transport category
Best Cards for Bus/MRT
Best Cards for Ride Hailing
Best Cards for Telco
Best Cards to pair with Amaze
Best Cards for Petrol
Best Cards for Food Delivery
Best Cards for Public Transport
Best Cards for Grocery
Best Cards for Restaurant

Terms and Conditions

Read Full Review

Citi Cashback Card

Option 1: Direct Bank Promotion

Receive S$300 cashback Welcome Offer when you spend S$800 in the first 2 months upon card approval
Valid til 4 May 2026
Read Terms and Conditions here

Option 2: Singsaver Promotion

Get 22,000 HeyMax Miles (worth S$396) or Dyson Airstrait™ straightener (worth S$799) or Galaxy Buds 4 Pro + S$150 eCapitaVoucher (worth $499) or S$450 Grab Voucher or S$420 Cash via PayNow upon activating and spending a min. S$500 within 30 days of card approval
Valid until 12 April 2026
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 Cashback Card

Earn 8% cashback on Petrol and local private hire/taxi, 6% cashback on Dining at restaurants and cafes daily, worldwide, 6% cashback on groceries at supermarkets and grocery stores daily, worldwide.
Up to 20.88% fuel savings at Esso and Shell & 23.64% savings at Caltex
There is an S$800 minimum spend required each month, and cashback is limited to S$80 per statement month.
Get 0.2% base cashback for other spends

Tip: You don’t have to meet the minimum monthly spend requirement every month. If you can’t hit S$800 for the month, you can buy supermarket vouchers in store (and get 6% cashback) to use in the next few months.

Annual Fee

S$196.20 (incl. 9% GST), first year waived

Income Requirement

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

When is Cashback Credited

Your earned cash back will be automatically credited to your Citi Cash Back Card account monthly at billing cycle date, in multiples of $10. S$50 is the minimum cash back withdrawal amount (after that, multiples of S$10). When your cashback total reaches S$50, it will be automatically credited to your credit card statement. Through the Citi Mobile App, you will also be able to monitor the cashback you have earned.

Know what this card is best for:

Terms and Conditions

Read Full Review

OCBC 365 Card

Get Dyson Airstrait (worth S$799) or 22,000 HeyMax Miles (worth $600) or Samsung Galaxy Buds4 Pro + S$180 eCapitaVoucher Bundle (worth S$529) or S$400 Cash via PayNow when you S$400 within 30 days from card approval
Valid until 03 May 2026

Valid for New-to-Bank Cardholders
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!

OCBC 365 Card

Earn 6% cashback on Petrol, 5% cashback on Dining, and 3% cashback on Groceries, Land Transport, Streaming, Electric Vehicle Charging, Watsons, Utilities.
This has 2 tiers of spend requirement and cap respectively:
- Tier 1: S$800;S$80
- Tier 2: S$1,600; S$160
Best paired with OCBC 360 Savings Account as it offers the highest ROI with a minimum spend of S$800 on your first S$100,000 when you credit your salary, make purchases with an eligible OCBC credit card, and save regularly.

Annual Fee

S$196.20 (including GST), waived for the first 2 years.

Income Requirement

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

How is Cashback Credited

Cashback will be automatically offset against the month’s billed amount

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 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 One Card

First eligible applicant at 2pm and 10pm daily to claim the below reward:
- 16 – 30 April 2026
  - 2PM – Apple iPhone 17 256G (worth S$1,299)
  - 10PM – 44k MaxMiles by HeyMax (worth S$792)
Remaining Customers: S$90 Cash via PayNow
Must spend S$500 within the first 30 days from card approval
Valid for New-to-Bank Cardholders
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!

UOB One Card

Tier 1 & 2: Spend either S$600 or S$1,000/month for 3 consecutive months, with at least 10 eligible transactions each month:
- Base cashback:
  - S$600/S$1,000: 3.33% cashback (capped at S$60/100 per quarter)
- Additional cashback (capped at S$120 per statement month):
  - Selected Partners: 5%
  - Grocery (MCC 5411): 2.67% – only for Tier 2
Tier 3: Earn up to 10% Total Cashback: Spend S$2,000/month for 3 consecutive months, with at least 10 eligible transactions each month:
- Base cashback: 3.33% cashback (capped at S$200 per quarter)
- Additional cashback (capped at S$120 per statement month):
  - Selected Partners: 6.67%
  - Grocery (MCC 5411): 4.67%

	Tier 1	Tier 2	Tier 3
Minimum Spend	S$600	S$1,000	S$2,000
Minimum Transaction Count	10	10	10
Base Cashback per quarter	3.33% (S$60 cashback)	3.33% (S$100 cashback)	3.33% (S$200 cashback)
Additional Cashback on Selected Spends	5%	5%	6.67%
Additional Cashback on Grocery Spend New	–	2.67%	4.67%
Total	up to 8.33%	up to 8.33%	up to 10%
These changes will be effective from your next qualifying quarter (as of writing – 1 July 2025)

Earn up to 22.66% fuel savings at Shell and SPC
Earn 4.33% cashback on Singapore Power utilities bills

Annual Fee

S$196.20, waived for the first year

Income Requirement

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

When Cashback is Credited

The Quarterly Cashback for a given a quarter will be credited to the card account in the next statement month following the end of that quarter.

Know what this card is best for:

Terms and Conditions

Read Full Review

POSB Everyday Card

Get S$340 eCapitaVoucher or 20K HeyMax Miles (worth S$320) or Samsung Galaxy Buds4 Pro + $100 eCapitaVoucher (worth $449) or Dyson TP10 (worth S$599) or S$300 Cash via PayNow when you apply with with the promo code: SINGSAVER, spend S$500 + have a valid DBS PayLah! account within 30 days from card approval
Valid for New to DBS/POSB Customers only
Valid until 15 April 2026
Read Terms and Conditions here

POSB Everyday Card

S$800 Minimum Spend:

10% cash rebates on online food delivery from foodpanda and Deliveroo
3% cash rebates on other dining spends
5% cash rebates on Malaysia Ringgit spend every Saturday and Sunday
5% cash rebates on Online Shopping at selected merchants
up to 3% cash rebates on Telco Bills
8% cash rebates at Popular Bookstores

No Minimum Spend:

3% cash rebates on Pet Lovers Centre (Min. S$15 Spend on regular-priced items)
5% cash rebates on Sheng Siong
up to 22.93% on fuel savings when you use it on SPC petrol stations islandwide.
up to 3% cash rebates on utility bills with selected electricity retailers

Annual Fee

S$196.20 (incl. of GST), waived for the first year.

Income Requirement

S$30,000 and above per annum (locals & PRs); S$45,000 and above per annum (Foreigner)

Where do I redeem my Daily$

You can redeem you Daily$ using various options:

- Instants Daily$ redemption:
  - Use your Daily$ to offset your purchase instantly in-stores at participating merchants: Sheng Siong, SPC, Watsons, Pet Lovers Centre
- DBS PayLah!
  - Offset any of your purchases with Daily$ anytime, anywhere. Find out more here
- Digibank Online
  - Offset your credit card bills or redeem Krisflyer miles. Find out more here
- Participating Merchants’ Website or Mobile App
  - Use Daily$ to offset your online purchases instantly at participating merchants’ website or mobile app:
    - DBS Apple Rewards Store
    - Shopee
    - Zalora
    - AXS

Know what this card is best for

Terms and Condition

Full Review

HSBC Live+ Card

Get Samsung Galaxy Buds4 Pro + S$160 eCapitaVoucher Bundle (worth S$509) or Dyson Airstrait™ straightener (worth S$799) or 22,000 HeyMax Miles (worth S$450) or S$400 Cash via PayNow when you spend S$500 by the end of the following calendar month + provide marketing consent
Valid until 03 May 2026
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.

Read Terms and Conditions here
Must fulfill spending requirement to receive gift confirmation
Remember to check for SingSaver email to secure your rewards after you have applied!

For Existing HSBC Cardholders:

Get S$50 cashback when you spend S$500 by the end of the following month
Valid until 03 May 2026
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 Live+ Card

Earn 5% cashback capped at S$3,125 spending on dining, entertainment, and shopping categories.
There is a minimum spend required monthly of S$600 in each quarter, per calendar month but it is easy to hit the amount of spending with just one category. This means that you could spend S$600 on dining category in Jul, S$600 in shopping category in Aug, S$600 in entertainment category in Sept and receive your full 5% cashback.

Pro-tip: You can buy vouchers via heymax to clock the minimum spending or for large electronic purchases at Courts, Best Denki or furniture purchases at IKEA.

Annual Fee

S$196.20 (first year waived) (For subsequent years, you can request for a waiver)

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

When is Cashback Credited

It will be credited within 2 months, after the end of each calendar quarter.

Know what this card is best for:

Terms and Conditions

Read Full Review

DBS Altitude Card

Get S$340 eCapitaVoucher or 20K HeyMax Miles (worth S$320) or Samsung Galaxy Buds4 Pro + $100 eCapitaVoucher (worth $449) or Dyson TP10 (worth S$599) or S$300 Cash via PayNow when you apply with with the promo code: SINGSAVER, spend S$500 + have a valid DBS PayLah! account within 30 days from card approval
Valid for New to DBS/POSB Customers only
Valid until 15 April 2026
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:

Best Cards for Airport Lounge
Must be paired with CardUp/iPayMy
- Best Cards for Insurance
- Best Cards for Renovations, MCST, Donations, Tax, Rent

Terms and Conditions

Read Full Review

DBS Live Fresh Card Review | What You Need To Know

DBS Live Fresh Card Overview:

Eligibility & Fees:

Key Benefits:

Best used on Shopping and Transport Spend

Exclusion List:

Advantages:

Disadvantages:

Final Thoughts:

lobangsis

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