POSB Everyday Card Review | What You Need To Know

POSB Everyday Card Overview:

The ultimate everyday card! Make your everyday more fun and exciting as you spend your day to day essentials and more, with up to 10% cash rebates on dining and online food delivery. Get bigger savings when you shop at Sheng Siong with 5% cash rebates. Need to fuel up? Save up to 22.93% on fuel when you use it on SPC petrol stations islandwide. This card gives the highest savings with SPC!

DEAL ENDS 3 MAY 2026 · 14 DAYS LEFT

POSB Everyday Card

10% cashback on dining + food delivery (S$800 min). 5% at Sheng Siong (no min spend). Petrol savings at SPC.

🎁 Up to S$599

Choose 1 Gift Selection form emailed after application

Dyson TP10

Retail S$599

Tower fan + air purifier

Galaxy Buds4 Pro + S$100 eCapitaVoucher

Worth S$449

Wireless earbuds + shop at CapitaLand malls

20,000 MaxMiles by HeyMax

Worth S$360

Convert to airline miles or retail vouchers with HeyMax

S$340 eCapitaVoucher

Shop at CapitaLand malls

S$300 Cash via PayNow

No bank details needed

Apply for POSB Everyday →

Requirements

You qualify if: you have no DBS/POSB credit card right now, AND haven't cancelled any DBS/POSB credit card in the last 12 months
Enter promo code SINGSAVER during application
Spend min. S$500 within 30 days of card approval
SingSaver will email you a Rewards Redemption Form — check inbox (and spam folder) after applying. Fill it in within 14 days to claim your gift, or you'll lose it.

Ends 3 May 2026 Fine print →

Eligibility & Fees:

Minimum Age: 21 years old
Minimum Annual Income: S$30,000 and above per annum (locals & PRs); S$45,000 and above per annum (Foreigner)
Annual Fee: S$196.20 (incl. of GST), waived for the first year. Afterwhich, you can call the bank for a waiver.

Key Benefits:

This card can earn on different categories and merchants under your usual, everyday spendings, here’s the table of all the earn rate and sweet spot spending:

Minimum Monthly Spending Required	Earn Rate Per Category	Maximum Monthly Cash Rebates	Sweet Spot Spending
S$800	10% cash rebates on all online food delivery	Daily$20	S$200
		Daily$20	5% cash rebates on offline dining spends		S$400
		10% cash rebates on SimplyGo (excluding top-ups)	Daily$20	S$200
		10% cash rebates on Malaysia Ringgit in-store spend	Daily$20	S$200
		5% cash rebates on Malaysian Ringgit offline dining spend	Daily$20		S$400
		5% cash rebates on Online Shopping at selected merchants (tiktok shop now included)	Daily$20	S$400
		8% cash rebates at Popular Bookstores	Daily$15	S$187.50
None	3% cash rebates on Pet Lovers Centre (Min. S$15 Spend on regular-priced items)	No cap	Nil
		5% cash rebates on Sheng Siong	Daily$30	S$600
		up to 20.1% on fuel savings when you use it on SPC petrol stations islandwide	No cap	Nil
All dining, online food delivery and offline dining transactions are defined as follows: – Foodpanda, GrabFood and Deliveroo transactions made under MCCs 5811, 5812, 5813, 5814; – all other dining transactions classified under MCCs 5811, 5812, 5813

How to Best Optimise it:

Best used for Dining and Online Food Delivery

Currently, POSB offers 10% cash rebates on all dining category (including online food deliveries) which is the highest offer in this card. This has a minimum spend of S$800 and a monthly cap of Daily$20. Do note that it is only applicable on the following MCCs:

MCC	Description	Example
5811	Caterers	Eats, Neo Garden, How’s Catering, etc
5812	Eating Places and Restaurants	Grab Food, Deliveroo, Din Tai Fung, Toast Box, etc.
5813	Bars, Cocktail Lounges, Discotheques, Nightclubs and Taverns – Drinking Places (Alcoholic Beverages)	Kanpai, Marche, Wine Connection, Harry’s, etc.
5814	Fast Food Restaurants	Mcdonalds, Burger King, Starbucks
Includes Grabfood, Foodpanda, and Deliveroo

Good for Online Shopping

There is 5% Cash Rebates at selected online shopping merchants with a minimum spend of S$800 and a monthly cap of Daily$20. The sweet spot spending is S$300. You can spend on the following online shopping merchants
- Amazon.sg
- Lazada
- Shopee
- RedMart
- Taobao
- Tiktok (New)

Best used at Sheng Siong

Earn 5% Cash Rebates at Sheng Siong with no minimum spend and a monthly cap of Daily$30. The sweet spot spending is S$600

Earn petrol savings at SPC

Get 20.1% on fuel savings when you use it on SPC petrol stations islandwide with no minimum spend and no cap
- 5% discount on petrol purchases at any SPC petrol station
- 10% discount with an SPC&U Card (5% for non-SPC&U members)
- Additional 6% Cash Rebates in Daily$ on the final charge amount (after other applicable discounts)

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*

Past Buff/sNerfs:

Effective 1 April 2025

Buff:

Online Food Delivery

10% cash rebates will be available to ALL online food delivery, previously limited only to foodpanda and Deliveroo

Dining

Cash rebates will increase from 3% to 5% Cash Rebates

Online Shopping

Tiktok shop will be included in the qualifying merchants to earn 5% cash rebates

Online Food Delivery, Dining, and Online Shopping:

Maximum cap will be increased from Daily$15 to Daily$20

SimplyGo

Added in the categories earning 10% Cash Rebates

Malaysian Ringgit Spends

10% Cash Rebates for in-store spends and 5% Cash Rebates for offline dining spends

Nerf:

Telco Bills and Utility Bills

No longer earning 3% cash rebates
POSB Everyday Card Dining and Online Shopping Spend Trackers on Paylah! will be removed

Is it Worth it:

Advantages:

No minimum spend on certain categories – I used to use this card just for petrol at SPC and Sheng Siong!
No expiry for earned Daily$

Disadvantages:

Require a relatively high minimum of S$800 per calendar month to qualify for online shopping, and food delivery services.
Daily$ cannot be combined with DBS points, even though it’s the same bank
Telco and Utilities Bill will no longer earn 3% Cash Rebates

Frequently Asked Questions:

Where can I check my Daily$: For every $1 cash rebate earned, you will earn 1 Daily$. You can check it out via digibank Online and the DBS PayLah! app. Here’s the step-by-step process
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

Additional Resources:

Read Terms and Conditions here

Up to 10% Cash Rebates on Dining FAQs

Final Thoughts:

The POSB Everyday Card may be one of the best cashback credit card available for those who spend on the merchants in the “no minimum spend required” categories, specifically on Sheng Siong (max S$600 spending cap) and SPC (no spending cap). The categories that require a high minimum spend of S$800 is not necessarily a compelling proposition as I could see other cards that could offer a better deal. If my main mode of transport is public transport, I would be more inclined to get Standard Chartered SMART card. If I drive and pump petrol at SPC, I would be more inclined to get this card.

💳 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

Audz, your lobang sis shares personal finance to achieve happiness, prosperity and progress for us all.

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Citi PremierMiles

Get 22,000 HeyMax Miles or Dyson Airstrait™ straightener or Galaxy Buds 4 Pro + S$150 eCapitaVoucher or S$450 Grab Voucher or S$420 Cash via PayNow when you spend S$500 within 30 days of card approval

Valid till: April 12, 2026

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HSBC Live+

Get Samsung Galaxy Buds4 Pro + S$160 eCapitaVoucher Bundle or Dyson Airstrait™ straightener or 22k HeyMax Miles or S$400 Cash via PayNow when you spend S$500 by the end of the following calendar month + provide marketing consent

Valid till: May 3, 2026

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DBS YUU

Get S$340 eCapitaVoucher or 20k HeyMax miles or Samsung Galaxy Buds4 Pro + $100 eCapitaVoucher or Dyson TP10 or S$300 Cash via PayNow when you use code: SINGSAVER and spend S$500 within 30 days of card approval

Valid till: May 3, 2026

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OCBC 365

Get Dyson Airstrait or 22k Heymax Miles or Samsung Galaxy Buds4 Pro + S$180 eCapitaVoucher Bundle or S$400 Cash via PayNow when you spend S$400 within 30 days of card approval

Valid till: May 3, 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.

Citi Rewards

Valid till: April 12, 2026

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OCBC Infinity

Get Dyson Airstrait or 22k Heymax Miles or Samsung Galaxy Buds4 Pro + S$180 eCapitaVoucher Bundle or S$400 Cash via PayNow when you spend S$400 within 30 days of card approval

Valid till: May 3, 2026

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HSBC Revolution

Valid till: May 3, 2026

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Citi Cashback

Valid till: April 12, 2026

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UOB Lady’s Card

First eligible applicant at 2pm and 10pm daily to claim the below reward:
- 16 – 30 April 2026
  - 2PM – Apple iPhone 17 256G (worth S$1,299)
  - 10PM – 44k MaxMiles by HeyMax (worth S$792)
Remaining Customers: S$90 Cash via PayNow
Must spend S$500 within the first 30 days from card approval
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!

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
No minimum monthly spending required
Spending Cap:

- Classic Card: S$1,000
- Solitaire & Above Card: S$1,500 — spending cap of S$750 per category

Depending on what your planned usage is, you can change the categories every quarter.

Annual Fee

S$196.20 (incl. GST), waived for first year

Income Requirement

S$30,000 (locals/PRs); S$40,000 (foreigners)

Points Expiry

They expire 2 years after the final day of each periodic quarter in which they were earned

Know what this cards is best for

Terms and Conditions

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UOB Visa Signature

First eligible applicant at 2pm and 10pm daily to claim the below reward:
- 16 – 30 April 2026
  - 2PM – Apple iPhone 17 256G (worth S$1,299)
  - 10PM – 44k MaxMiles by HeyMax (worth S$792)
Remaining Customers: S$90 Cash via PayNow
Must spend S$500 within the first 30 days from card approval
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!

UOB Visa Signature

Earn 4 miles per dollar (10x UNI$ per S$5) on Overseas Spend with a minimum spend of S$1,000 in FCY per statement month
Earn 4 miles per dollar (10x UNI$ per S$5) on Petrol Spend and Contactless Transactions (including SimplyGo) with a minimum spend of S$1,000 in SGD per statement month
Spending Cap:
- Until 1 August 2025 Statement:
  - Combined cap of S$2,000 per statement month
- From 1 September 2025 Statement – Split into 2 categories:
  - Category 1 (Overseas Spends including Online): S$1,200 (UNI$2,400) per statement month
  - Category 2 (Petrol and Contactless Spends including SimplyGo): S$1,200 (UNI$2,400) per statement month
    
    Note: Categories 1 and 2’s cap are separate — you can meet just one or both.

Annual Fee

S$218 first year waived

Income Requirement

S$50,000 (locals/PRs); S$40,000 (foreigners)

Points Expiry

UNI$ are valid for 2 years, starting from the end of the quarter in which they were earned.

Terms and Conditions

Read Full Review

UOB Preferred Platinum Visa

NIL

UOB Preferred Platinum Visa Card

Earn 4 miles per dollar on mobile contactless payments, online shopping, and entertainment, no minimum spend, capped at S$1,200 per calendar month
- Spend caps will be divided into 2 categories:
  - 1st category – Mobile Contactless Payment (S$600 spend cap)
  - 2nd Category – Selected Online Transactions (S$600 spend cap)
Earn 0.4 miles per dollar on other spending
Can earn on specific online payments (specific MCCs only) and on the following mobile contactless (in-store) payment method:
- Apple Pay
- Google Pay
- Samsung Pay (excluding MST)

Annual Fee

S$196.20, first year waived

Income Requirement

S$30,000 (locals/PRs); S$40,000 (foreigners)

Points Expiry

UNI$ are valid for 2 years, starting from the end of the quarter in which they were earned.

Know what this card is best for:

Best Cards for Kris+ – Dining & Shopping Spends

Terms and Conditions

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Maybank Family & Friends Card

Receive Samsonite Interlace Spinner 67/24 as a new-to-bank customer, when you apply for a new Maybank Credit Card and charge a minimum of S$1,300 within the first two months of card approval. Alternatively, you may apply for CreditAble and a new Maybank Credit Card, and charge a minimum of S$1,200 within the first two months of card approval.
Fill up this google form after signing up to qualify for rewards
Read Terms and Conditions here

Maybank Family & Friends Card

Earn 6% or 8% cashback for five (5) of your chosen spend categories across ten (10) options.
- Each category has a cashback cap of S$120 or S$180 (which would max out at S$333.33 or S$375 of spending per category)
Earn bonus 8% cashback on Malaysian Ringgit or Indonesian Rupiah spends
Minimum spend of S$800 (Effective 01 January 2026, these changes will take effect):

Tier	Minimum Spend	Cap per Category
Tier 1 – 6% cashback	S$800 per calendar month	S$20 (max S$333.33 spend)
Tier 2 – 8% cashback	S$1,600 per calendar month	S$30 (max S$375 spend)
Base cashback will also drop from 0.3% to 0.22% for all other spend.	✔ Free Tablet Plus Membership	Base cashback will also drop from 0.3% to 0.22% for all other spend.

Earn unlimited 0.22% cash rebates on all spends below S$800

Annual Fee

S$180 (First 3 years free)

Income Requirement

S$30,000 (locals/PRs); S$60,000 (foreigners)

How to choose my Categories

To choose your desired Categories, the Cardmember needs to download the Maybank TREATS SG mobile app, then select and confirm the categories on the Benefit Selection page. This choice will apply to the first Lock-In Period (3 months), and no changes can be made once confirmed; You can change the categories quarterly and you may choose depending on your spending needs. The categories will take effect the following month.

Know what this card is best for

Best Cards for Kris+ – must choose dining and/or online shopping category
Best Cards for EV Charging – must choose transport category
Best Cards for Bus/MRT
Best Cards for Ride Hailing
Best Cards for Telco
Best Cards to pair with Amaze
Best Cards for Petrol
Best Cards for Food Delivery
Best Cards for Public Transport
Best Cards for Grocery
Best Cards for Restaurant

Terms and Conditions

Read Full Review

Citi Cashback Card

Option 1: Direct Bank Promotion

Receive S$300 cashback Welcome Offer when you spend S$800 in the first 2 months upon card approval
Valid til 4 May 2026
Read Terms and Conditions here

Option 2: Singsaver Promotion

Get 22,000 HeyMax Miles (worth S$396) or Dyson Airstrait™ straightener (worth S$799) or Galaxy Buds 4 Pro + S$150 eCapitaVoucher (worth $499) or S$450 Grab Voucher or S$420 Cash via PayNow upon activating and spending a min. S$500 within 30 days of card approval
Valid until 12 April 2026
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 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
There is an S$800 minimum spend required each month, and cashback is limited to S$80 per statement month.
Get 0.2% base cashback for other spends

Tip: You don’t have to meet the minimum monthly spend requirement every month. If you can’t hit S$800 for the month, you can buy supermarket vouchers in store (and get 6% cashback) to use in the next few months.

Annual Fee

S$196.20 (incl. 9% GST), first year waived

Income Requirement

S$30,000 (locals/PRs); S$42,000 (foreigners)

When is Cashback Credited

Your earned cash back will be automatically credited to your Citi Cash Back Card account monthly at billing cycle date, in multiples of $10. S$50 is the minimum cash back withdrawal amount (after that, multiples of S$10). When your cashback total reaches S$50, it will be automatically credited to your credit card statement. Through the Citi Mobile App, you will also be able to monitor the cashback you have earned.

Know what this card is best for:

Terms and Conditions

Read Full Review

OCBC 365 Card

Get Dyson Airstrait (worth S$799) or 22,000 HeyMax Miles (worth $600) or Samsung Galaxy Buds4 Pro + S$180 eCapitaVoucher Bundle (worth S$529) or S$400 Cash via PayNow when you S$400 within 30 days from card approval
Valid until 03 May 2026

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 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:
- Tier 1: S$800;S$80
- Tier 2: S$1,600; S$160
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

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 One Card

First eligible applicant at 2pm and 10pm daily to claim the below reward:
- 16 – 30 April 2026
  - 2PM – Apple iPhone 17 256G (worth S$1,299)
  - 10PM – 44k MaxMiles by HeyMax (worth S$792)
Remaining Customers: S$90 Cash via PayNow
Must spend S$500 within the first 30 days from card approval
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!

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

POSB Everyday Card

Get S$340 eCapitaVoucher or 20K HeyMax Miles (worth S$320) or Samsung Galaxy Buds4 Pro + $100 eCapitaVoucher (worth $449) or Dyson TP10 (worth S$599) or S$300 Cash via PayNow when you apply with with the promo code: SINGSAVER, spend S$500 + have a valid DBS PayLah! account within 30 days from card approval
Valid for New to DBS/POSB Customers only
Valid until 15 April 2026
Read Terms and Conditions here

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

Get Samsung Galaxy Buds4 Pro + S$160 eCapitaVoucher Bundle (worth S$509) or Dyson Airstrait™ straightener (worth S$799) or 22,000 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 03 May 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.

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 03 May 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

Get S$340 eCapitaVoucher or 20K HeyMax Miles (worth S$320) or Samsung Galaxy Buds4 Pro + $100 eCapitaVoucher (worth $449) or Dyson TP10 (worth S$599) or S$300 Cash via PayNow when you apply with with the promo code: SINGSAVER, spend S$500 + have a valid DBS PayLah! account within 30 days from card approval
Valid for New to DBS/POSB Customers only
Valid until 15 April 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:

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

POSB Everyday Card Review | What You Need To Know

POSB Everyday Card Overview:

Eligibility & Fees:

Key Benefits:

Best used for Dining and Online Food Delivery

Good for Online Shopping

Best used at Sheng Siong

Earn petrol savings at SPC

Exclusion List:

Effective 1 April 2025

Buff:

Nerf:

Advantages:

Disadvantages:

Final Thoughts:

lobangsis

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