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:
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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
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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.
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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
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yuu Points awarded can only be tracked on yuu Rewards app
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Use my referral code (KWMLISBL) when you sign up on the app to receive 2,000 yuu points.
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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 |
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
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 |
BreadTalk Group (BTG) (will be removed by 01 Nov 2025) | BreadTalk, Thye Moh Chan, Toast Box |
Mandai Wildlife Group (from 01 Oct 2025, only the Visa version will earn points) (will be removed by 01 Nov 2025) | Singapore Zoo, River Wonders, Night Safari, Bird Paradise, Rainforest Wild Asia Only online ticketing sites will be eligible |
Please note that not all outlets/branches of these participating yuu merchants are included; you’ll need to check the excluded outlets here under ‘Appendix 1″ | |
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) | |
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 |
Mandai Wildlife Group (excluded on DBS yuu AMEX card) | – Bird Paradise – Night Safari – Rainforest Wild Asia – River Wonders – Singapore Zoo |
Singtel | – Singtel Shop – Singtel Exclusive Retailers |
SimplyGo | Bus and train rides via SimplyGo |
CHAGEE | Orders placed via CHAGEE App |
BreadTalk | BreadTalk |
ToastBox | ToastBox |
Thye Moh Chan | Thye Moh Chan |
- From 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.
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:
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:
- 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.
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.
