Whether you’re refreshing your wardrobe, grabbing groceries, or commuting around town, the DBS Live Fresh Card helps you earn cashback on the things you need.
DBS Live Fresh Sign Up Promotion:
- Get S$150 cashback when you apply for this card and spend a minimum of S$800 within the first 60 days from card approval date
- Promo Code: 150CASH
- Promo valid until 31 January 2025
- Promotion is valid for new DBS/POSB credit cardmembers only
- Must fulfill spending requirement to receive gift confirmation
- Read Terms and Conditions here
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.
Watch My Tiktok Video:
Before the 1st March update was announced: Video HERE
About the 1st March update was announced: Video HERE
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
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:
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.
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. For someone who prefers a card with no minimum spend, you can go for the Standard Chartered SMART card that gives 6% cashback on bus and mrt rides. Alternatively, you can also go for the newest DCS Flex Visa Platinum Card that offers 6% cashback on online and contactless spend.
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.
DBS Live Fresh Sign Up Promotion:
- Get S$150 cashback when you apply for this card and spend a minimum of S$800 within the first 60 days from card approval date
- Promo Code: 150CASH
- Promo valid until 31 January 2025
- Promotion is valid for new DBS/POSB credit cardmembers only
- Must fulfill spending requirement to receive gift confirmation
- Read Terms and Conditions here
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.
