DBS Takashimaya Card Review | What You Need To Know

DBS Takashimaya Card

Earn 5% voucher rebates (Visa) and 6% voucher rebates (AMEX) in Takashimaya Department Store

DBS Takashimaya Card Overview:

The DBS Takashimaya card offers AMEX and Visa option for shoppers at the Takashimaya Department Store and Shopping Center in Singapore. They seem to give out additional 10% discounts or double their rebates every so often. This could be a great place to do your shopping during promotions. DBS Takashimaya Card is also only card where you can still qualify for the sign up bonus despite owning a DBS credit card.

Eligibility & Fees:

  • Minimum Age: 21 years old
  • Minimum Annual Income: S$30,000 (locals/PRs); S$45,000 (foreigners)
  • Annual Fee: $196.20, first year waived (to get the annual fee waiver for the following year, charge a minimum of S$25,000 to your DBS Takashimaya AMEX card)

Key Benefits:

DBS Takashimaya (Visa)
DBS Takashimaya (AMEX)
5% voucher rebates in Takashimaya Department Store
– Earn 2 Takashimaya Bonus Points with every S$12 charged
6% voucher rebates in Takashimaya Department Store
– Earn 2 Takashimaya Bonus Points with every S$10 charged
1% voucher rebates in Takashimaya Shopping Centre
– Earn 1 Takashimaya Bonus Point with every S$30 charged
2% voucher rebates in Takashimaya Shopping Centre
– Earn 2 Takashimaya Bonus Points with every S$30 charged
  • Get discounts, parking and delivery privilege, and overseas discounts at DBS Takashimaya Stores
Best Used at Takashimaya Department Stores
  • Take advantage of the following benefits:
    • Extra 10% off during specific Takashimaya Department Store sale events. Be sure to check Takashimaya.com.sg for their sales events.
    • Get S$4 added to your CashCard for parking when you charge your card at Takashimaya Department Store for at least S$400.
    • If you spend $5 or more at Takashimaya Department Store, you can have your purchases delivered to your doorstep.
      • Non-10% Card Day: $150
      • 10% Card Day: $250
      • Otherwise, a $15 delivery fee applies
Use for discounts at overseas Takashimaya stores
  • Get 3% off at Takashimaya Shanghai and 5% off at Takashimaya Siam and Takashimaya Ho Chi Minh

Exclusion List:
  • Cold Storage, Food Village and selected food merchants at Food Hall, B2
  • Alteration, Shoe Repair, Dry-cleaning, Delivery, and any other services
  • Takashimaya Gift Vouchers
  • Any other purchases as stipulated by Takashimaya Department Store from time to time.
  • Transactions made via 3rd party app such as:
    AMAZE*
    FAVEPAY*
    SINGTEL DASH*
    SHOPEEPAY*
    SHOPBACK*
    ATOME*
    YOUTRIP*
    RAZORPAY*
    KRIS+*

*Please note that the above is not an exhaustive list and are subject to changes from time to time

Advantages:
  • Waived annual fees for the first year
  • Sign up bonus for existing DBS cardholders
  • Receive 5–6% voucher rebates in-store
  • Discounts at specific sale events
Disadvantages:
  • Most benefits have a minimum spend or payment requirement.

  • How to keep track of the Takashimaya Bonus points: This can be done on the Takashimaya App:
    • Step 1: Open the Taka App, and click on ‘Member’
    • Step 2: Click on ‘Convert to Voucher’ and convert your bonus points to digital vouchers
    • Step 3: Choose your preferred voucher denomination and tap ‘Convert’
    • Step 4: You can now use the voucher
  • When will the points expire: the bonus points expiry follows the expiry of your DBS Takashimaya Card

Final Thoughts:

If you shop at the Takashimaya Department Store or Shopping Center frequently, the DBS Takashimaya credit card is a absolutely a great choice. You can get up to 6% back on your purchases with its tiered voucher rebate system, which essentially gives you discounts all year long. Extra points give rewards an additional tier that may be redeemed for vouchers from Takashimaya. A general rewards card might be a better option, if you don’t frequently shop at Takashimaya or if you value your rewards more highly than other areas of expenses. 

💳 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.

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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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DBS Takashimaya Card

AMEX:

  • Receive one of the following dyson products of your choice when you apply for BOTH DBS Takashimaya AMEX Card and DBS Altitude AMEX card, enter your chosen promo code and spend S$300 within Takashimaya Department Store, Takashimaya Online Store and participating specialty stores at Takashimaya Shopping Centre within 30 days of card approval to be eligible for reward
    • Dyson OnTracâ„¢ Headphones (UP S$699) –  TA3001
    • Dyson Supersonic Nuralâ„¢ hair dryer (Ceramic Pink/ Rose Gold) (worth S$659) – TA300
    • Dyson WASHG1â„¢ wet floor cleaner (UP S$999) – TA3003
  • Read Terms and Conditions here
  • Valid until 31 March 2026
  • Sign Up Promotion only applies to the AMEX version.
  • Existing DBS cardholders are entitled to S$100 Cashback when you spend S$600 within 30 days of card approval date, and as long as you have not cancelled a DBS Takashimaya AMEX or Visa in the past 12 months.
  • Even though you need to spend the qualifying spend at Takashimaya, the cashback which will be credited to you in 90 days, does not need to be spent at Takashimaya.
  • You should be able to stack with existing Taka promotions + Promo codes available, unless otherwise stated.
  • If you are a new-to-DBS cardholder, you are better off signing up for another card like DBS Yuu Card (cashback) or DBS Altitude Card (miles) before signing up this card to maximise your sign up bonus.

DBS Takashimaya Card

  • Earn 5% voucher rebates (Visa) and 6% voucher rebates (AMEX) in Takashimaya Department Store
  • Earn 2 Takashimaya Bonus Points with every S$12 charged (Visa) and 2 Takashimaya Bonus Points with every S$10 charged (AMEX)
  • Earn 1% voucher rebates (Visa) and 2% voucher rebates (AMEX) in Takashimaya Shopping Centre
  • Earn 1 Takashimaya Bonus Point (Visa) and 2 Takashimaya Bonus Points (AMEX) with every S$30 charged
  • Best used at Takashimaya Department Stores
 
Annual Fee
  • $196.20, first year waived (to get the annual fee waiver for the following year, charge a minimum of S$25,000 to your DBS Takashimaya AMEX card)
 
Income Requirement
  • S$30,000 (locals/PRs); S$45,000 (foreigners)
 
Points Expiry
  • The bonus points expiry follows the expiry of your DBS Takashimaya Card

 

Terms and Conditions

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UOB Lady’s Card

  • Get S$250 Cash via PayNow or 20k MaxMiles by HeyMax (worth S$360 – equivalent to a round trip to Shanghai when you successfully apply, and is among the first 80 eligible applicants and when you spend S$500 within the first 30 days from card approval
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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
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    UOB Visa Signature

    • Get S$250 Cash via PayNow or 20k MaxMiles by HeyMax (worth S$360 – equivalent to a round trip to Shanghai when you successfully apply, and is among the first 80 eligible applicants and when you spend S$500 within the first 30 days from card approval
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      Income Requirement
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        Income Requirement
        • S$30,000 (locals/PRs); S$40,000 (foreigners)

         

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        Maybank Family & Friends Card

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        Income Requirement
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        How to choose my Categories
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        Option 1: Direct Bank Promotion

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        Stackable with Usual Rewards:

        • Get a chance to open a blind box and get one of the rewards inside. This is on top of the usual rewards:
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        • Valid until 31 March 2026
        • Promotion is valid for new to bank credit card holders
        • Read Terms and Conditions here
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        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
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        Annual Fee
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        Income Requirement
        • S$30,000 (locals/PRs); S$42,000 (foreigners)
         
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        OCBC 365 Card

        FLASH DEAL:

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        USUAL REWARDS:

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        • Valid until 31 March 2026

        • Valid for New-to-Bank Cardholders
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        • Must fulfill spending requirement to receive gift confirmation
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        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:
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        • 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
         
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        DBS Altitude Card

        DBS Altitude Card

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        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

         

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        • Get S$250 Cash via PayNow or 20k MaxMiles by HeyMax (worth S$360 – equivalent to a round trip to Shanghai when you successfully apply, and is among the first 80 eligible applicants and when you spend S$500 within the first 30 days from card approval
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        • Valid for New-to-Bank Cardholders
        • Valid from 02 – 31 March 2026
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        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:

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          • Additional cashback (capped at S$120 per statement month):
            • Selected Partners: 5%
            • Grocery (MCC 5411): 2.67% – only for Tier 2
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          • Base cashback: 3.33% cashback (capped at S$200 per quarter)
          • Additional cashback (capped at S$120 per statement month):
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            • 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)
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        • 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.

         

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        POSB Everyday Card

        FLASH DEAL:

        • Get a chance to open a blind box and get one of the rewards inside. This is on top of the usual rewards:
          • Blind Box 1: Ultimate Tech Vault
          • Blind Box 2: Home Luxe Edit
          • Blind Box 3: Pro Gamer Arena


        USUAL REWARDS:

        • Get S$340 eCapitaVoucher or 21K HeyMax Miles (worth S$320) or Apple Airpods Pro 3 (worth S$349) or Samsonite STRAREN SPINNER 67/24 (worth S$600) S$300 Cash via PayNow when you apply with with the promo code: SINGSAVER, spend S$100 + have a valid DBS PayLah! account within 30 days from card approval 
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        • Valid until 31 March 2026
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        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

        FLASH DEAL:

        • Get a chance to open a blind box and get one of the rewards inside. This is on top of the usual rewards:
          • Blind Box 1: Ultimate Tech Vault
          • Blind Box 2: Home Luxe Edit
          • Blind Box 3: Pro Gamer Arena

         

        USUAL REWARDS:

        • Get Apple Watch SE Gen 3 40mm (GPS+Cell) (worth S$419) or Dyson Airstraitâ„¢ straightener (worth S$799) or 25,000 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 31 March 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.

         

        For Existing HSBC Cardholders:

        • Get S$50 cashback when you spend S$500 by the end of the following month
        • Valid until 05 March 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

        FLASH DEAL:

        • Get a chance to open a blind box and get one of the rewards inside. This is on top of the usual rewards:
          • Blind Box 1: Ultimate Tech Vault
          • Blind Box 2: Home Luxe Edit
          • Blind Box 3: Pro Gamer Arena


        USUAL REWARDS:

        • Get S$340 eCapitaVoucher or 21K HeyMax Miles (worth S$320) or Apple Airpods Pro 3 (worth S$349) or Samsonite STRAREN SPINNER 67/24 (worth S$600) S$300 Cash via PayNow when you apply with with the promo code: SINGSAVER, spend S$100 + have a valid DBS PayLah! account within 30 days from card approval 
        • Valid for New to DBS/POSB Customers only
        • Valid until 31 March 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:

         

        Terms and Conditions

        Read Full Review