DBS Live Fresh Card Review | What You Need To Know

DBS Live Fresh Card

Earn 6% cashback on shopping and transport

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.

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.

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.

APPLY NOW

SC Simply Cash

Get S$350 Cash via PayNow or S$370 Grab Voucher when you spend a minimum of S$800 within 30 days of card approval

Valid till: October 31, 2025

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AMEX True Cashback

Get Apple Airpods 4 or S$120 eCapitaVoucher when you spend S$500 within 30 days from card approval

Valid till: July 30, 2025

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FILL OUT GOOGLE FORM

Maybank World Mastercard

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

APPLY NOW

FILL OUT GOOGLE FORM

Maybank Platinum Visa

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

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.

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

APPLY NOW - VISA

APPLY NOW - AMEX

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

APPLY NOW

HSBC Live+

Get Apple iPad (A16) 11" Wi-Fi 128GB or S$250 cash + Apple iPad 9th Gen or Dyson Supersonic Hair Dryer or S$475 Grab Voucher or S$400 Cash via PayNow when you spend S$500 by the end of the following calendar month + provide marketing consent

Valid till: November 2, 2025

APPLY NOW

UOB PRVI

Get S$60 Cash via PayNow when you spend S$500 within 30 days from approval

Valid till: October 14, 2025

APPLY NOW - Visa

APPLY NOW - Mastercard

APPLY NOW - AMEX

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

Atome

Enjoy S$10 off your first purchase (claimable from the voucher center)

Atome

Atome is a “buy now, pay later” (BNPL) platform. It lets shoppers split their purchases into three equal, interest-free payments—making it easier to manage cash flow.
Accepted at over 10,000 online and in-store merchants in Singapore
Atome usually codes as MCC 5999 (Misc. & Specialty Retail). Some banks allow points for this, others don’t.
Best Practice: Manual Payment –manually trigger your 2nd and 3rd payments via the app. Auto-payments might be flagged as recurring bills and won’t earn rewards on credit cards. You would want to choose to “Pay in 3” as longer installment plans would incur extra charges. There are often vouchers on the app that you can use to offset the cost further.

HSBC Revolution Card

Get Apple iPad (A16) 11″ Wi-Fi 128GB (worth S$499) or S$250 cash + Apple iPad 9th Gen 10.2″ WiFi 64GB (worth S$479) 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 15 October to 02 November 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.

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 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:

Best Cards for Kris+ – Dining & Shopping Spends
Best Cards for Flights
Best Cards for Ride Hailing Apps
Best Cards for Online Shopping
Best Cards with No Min Spend
Best Cards for Electronics

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 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

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

OCBC Rewards Card

Flash Deal:

Get PS5 Disc Slim (worth S$799) when you spend S$400 within 30 days of card approval and must be among the first 2 eligible applicants at 2 PM and 8 PM daily
- Pro-Tip: Set an alarm and click on the apply button at 2PM or 8PM sharp— do not click before the time
Valid from 15 to 22 October 2025
This will be in place of the existing rewards— gifts cannot be stacked
Remaining applicants will receive the existing rewards
You can opt out of the flash deal reward via the rewards redemption form

Existing Rewards:

Get AirPods Pro Gen 3 (worth S$349) or Dyson Supersonic™ (worth S$559) or 50,000 OCBC$ (worth a round trip to Bali) or S$380 Grab Vouchers or S$360 Cash via PayNow when you S$400 within 30 days from card approval
Valid until 22 October 2025
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 Rewards Card

Earn 6 miles per dollar on Watsons, Lazada, Shopee (except Shopee Pay transactions), Tiktok Shop, and Taobao (until 31 December 2025). Capped at S$1,000 per calendar month
Earn 4 miles per dollar on Eligible Online and Offline Spends, capped at S$1,110 per calendar month
Pair with Amaze for converting offline overseas retail spending to earn 4 miles per dollar

Annual Fee

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

Income Requirement

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

Points Expiry

OCBC$ expires every 2 years and can pool across cards that earn OCBC$, but not with OCBC’s other rewards currencies (Travel$, VOYAGE Miles) – This means if you have other OCBC$ earning cards (eg. OCBC Rewards Blue and Pink), you can transfer the miles together from both card at one shot with a single transfer fee.

Know what this card is best for

Terms and Conditions

Read Full Review

UOB One 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 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

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 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:

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

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