DBS Yuu Card Review | What You Need To Know

DBS yuu App

Use my referral code: KWMLISBL to receive 2,000 yuu points.

To take advantage of yuu Points, redemptions, and exclusive deals, you’ll need to pair your DBS yuu Card with the standalone yuu App

DBS yuu Card

Earn up to 18% cash rebate or 10 miles per dollar at yuu merchants

DBS Yuu Card Overview:

The DBS yuu card is a rewards card that lets you earn and redeem yuu points at over 1,000 places in Singapore. You can get up to 18% cash rebates or 10 miles per dollar (NEW!) on your online and offline spending at yuu merchants, such as 7-Eleven, Cold Storage, SimplyGo, Singtel, Gojek, and more. It is ideal for those who shop frequently at the above yuu merchants. You can also access exclusive deals, promotions, and benefits with the yuu app, which is linked to your card.

Eligibility & Fees:

Minimum Age: 21 years old
Minimum Annual Income: S$30,000 (locals/PRs); S$45,000 (foreigners)
Annual Fee: S$196.20, first year waived
- Since minimum income requirement by MAS is S$30,000 per annum, this card is an entry-level card that should be pretty easy to get an annual fee waiver if you have some spending on this card. Most cards have a minimum spend requirement within a year to be eligible for a fee waiver. You can check out my TikTok video on getting annual fee waiver.

Key Benefits:

Enjoy base award of 10 yuu points per dollar spent (equivalent to 5% rebates or 2.78 miles per dollar) at yuu merchants with no minimum spend and no cap
Enjoy additional bonus award of 26 yuu points per dollar spent (equivalent to 13% rebates or 7.22 miles per dollar) at yuu merchants when you hit S$800 total qualified spend in a calendar month, capped at 28,800 points per calendar month. This means the spending cap for the bonus earn rate is at S$800.
Earn 0.5 yuu point per dollar spent (equivalent to 0.25% rebates or 0.14 miles per dollar) at all other non-yuu merchants
yuu Points awarded can only be tracked on yuu Rewards app
- Use my referral code (KWMLISBL) when you sign up on the app to receive 2,000 yuu points.
AMEX version offers special discounts like 30% off hotel reservations, free trials on PressReader, and 15% off Bloomingdale’s.

To make it simple for you, here is how it looks like:

	Earn Rate	Cashback	Miles	Yuu
yuu merchants	10pts/S$1	5%	2.78 miles per dollar	No min spend
yuu merchants		26pts/S$1	13%	7.22 miles per dollar	Min. S$800 spend per calendar month; spend capped at S$800 (28,800 pts)
non-yuu merchants	0.5pt/S$1	0.25%	0.14 miles per dollar	No min spend or cap

New: You can now convert yuu Points to Miles!

DBS yuu cardholders now have the flexibility to convert their yuu points into KrisFlyer miles. This offers several advantages:

No Conversion Fees: Unlike most miles credit cards, there’s no fee for transferring points.
Instant Conversions: Transfers are processed immediately.
Low Minimum Conversion: You can start converting as few as 200 points (55 miles), afterwhich in blocks of 1 mile.
No Annual Cap: There’s no limit to the amount you can convert.

While the ability to convert yuu points to KrisFlyer miles offers flexibility, it’s important to consider the cost. At 1.5 cents per mile, the conversion rate may not be ideal for everyone.

Consider this option only if:

You have excess yuu points: If you can’t find other valuable uses for your yuu points, converting them might be worthwhile.
You’re aiming for business class: Converting to miles is only beneficial for business cabin redemptions and above.
You’re a regular yuu merchant shopper: Meeting the minimum spend monthly is essential.
You need miles urgently: If you have an immediate need for KrisFlyer miles to top up for a flight redemption, this could be a viable option.

How to Best Optimise it:

Best Used On yuu Merchants

This card lets you earn points when you use the yuu app where you can earn, track, and redeem your points. Just check out the catalogue that can be seen in the app and treat yourself using the points you’ve earned

Participating Yuu Merchants: Refer to this link for the full list

Cold Storage	Cold Storage, CS Fresh, Jasons Deli
Giant	Giant, Giant Hypermart, Giant Express
Guardian	Guardian
foodpanda	food delivery, panda shops, and pandamart
Gojek	Gojek Singapore
SimplyGo	Bus and train rides via SimplyGo
CHAGEE	Orders placed via CHAGEE App
Singtel	Singtel Shop and Singtel Exclusive Retailers
Charge+ (for Visa only)	Charge+ EV Charging

New Rule: Must spend at 4 different yuu merchants

An additional rule of spending at 4 different yuu merchants per calendar month is needed to get the 18% cash rebates.
According to DBS, each calendar month, you will need to transact at 4 different Participating Merchants.

Participating Merchants (each is considered a participating merchant)	Participating Merchants (each is considered a participating merchant)
7-Eleven	7-Eleven
Charge+	Charge+ Singapore
Cold Storage	– Cold Storage – CS Fresh – Jasons Deli
foodpanda	– foodpanda food delivery – panda mart – panda shops
Giant	– Giant – Giant Hypermart – Giant Express
Guardian	Guardian
Gojek	Gojek Singapore
Singtel	– Singtel Shop – Singtel Exclusive Retailers
SimplyGo	Bus and train rides via SimplyGo
CHAGEE	Orders placed via CHAGEE App

Past Buffs/Nerfs:

Buffs:

Effective 01 October 2025:

SimplyGo and CHAGEE is considered as part of the participating merchants to get up to 18% cash rebates
Despite an added requirement of spending at 4 different yuu merchants, this is generally good because for example in DFI brands (7-Eleven, Giant, Cold Storage), they count as separate merchants, not one. Hitting the 4-merchant rule is easy with small spends like a panda order, a Gojek ride, or Singtel bills/vouchers.

Effective 16 June 2025:

Charge+ EV Charging is added to the merchants that can earn 18% cash rebates, but only for the Visa version.

Nerfs:

Effective 01 November 2025:

BreadTalk Group (BreadTalk, Toast Box, Thye Moh Chan) will be removed from the DBS yuu earning list. Cardholders can still earn 18% cash rebates until 31 Oct, and each brand counts toward the 4-merchant minimum in the October update.
Mandai Wildlife Group will be removed from the participating merchant by 01 Nov 2025. Therefore, from 01 Oct 2025, this can still be utilised, but only the Visa version.

Effective 01 October 2025:

Minimum spend is increased to S$800, bonus cap is increased to 28,800 points
AMEX version will no longer earn 18% cash rebates on Mandai Wildlife Group
Non-yuu merchants earn rate will decrease from 0.5% to 0.25%

Effective 27 October 2024:

yuu Points will no longer be awarded at all Food Republic and Food Junction outlets.

What to Avoid:

Exclusion List:

i. Any transaction that is subsequently cancelled, voided, refunded or reversed (“Refunded Transactions”) for any reason

ii. Pre-authorisation transactions on the Card account, e.g. hotel bookings;

iii. Balance transfers, cash advance, My Preferred Payment Plan (“MP3”) monthly transactions, and any fees and charges (including annual fees, interest charges, cheque processing fees, administrative fees, cash advance fees, finance charges and/or late payment charges and other miscellaneous fees and charges);

iv. 0% interest-free Instalment Payment Plan (“IPP”) transaction(s);

v. All other bill payments via internet banking and fees charged by DBS;

vi. Any payment made with the following Merchant Category Codes (“MCC”);

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

vii. Any transactions matching the terms below:

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*

viii. Any other transactions determined by DBS from time to time

Is it Worth it:

Advantages:

Although you accrue the same number of points with both the DBS yuu Visa Card and the AMEX Card, the AMEX version offers special discounts
Highest cash rebates in the market
Able to exchange points to miles (NEW!)

Disadvantages:

yuu merchants like Cold Storage generally have higher mark ups for their products, so the cash rebates may be offset by the high mark ups.
Restricted to Yuu merchants and may not be useful for those who do not spend at Yuu merchants with at least S$800 spending per month
Points must be converted into cash rebates or miles, but to use the rebates, you need to spend at the participating merchants where you can offset your next purchase. This approach may be less beneficial if you don’t shop at these specific yuu merchants, don’t fly on Singapore Airlines and simply prefer cashback directly on your credit card bill.

Frequently Asked Questions:

When are the yuu Points credited: Base Award will be credited to qualifying cardmembers’ linked yuu Account within 14 days from the date the transaction is posted. The Bonus Award will be credited to qualifying cardmembers’ linked yuu Account within 60 days after the end of each calendar month.
How long are the yuu points valid for: Points earned in this card expires in 2 years
How do I earn yuu points: You can scan your yuu ID to be scanned by QR code or barcode on the yuu app when shopping on merchants. Or you can pay with your DBS yuu card for more rewards
How to redeem miles: You can redeem miles through the yuu App. Just log in, go to ‘Me’, and select ‘Transfer to Krisflyer’ to instantly convert your yuu Points into miles.
How to redeem cash rebates: Redeem your yuu Points instantly to offset purchases at popular merchants like Cold Storage, Giant, Guardian, 7-Eleven, and foodpanda.

Additional Resources:

Read Terms and Conditions here

Final Thoughts:

For anyone who shop regularly with a minimum spend of S$800 a month at Yuu merchants must get this card to take advantage of the 18% rebates. But take note of the upcoming changes effective October and November 2025!

💳 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.