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 · 7 DAYS LEFT
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
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.
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 |
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 | 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
- Use Daily$ to offset your online purchases instantly at participating merchants’ website or mobile app:
- Instants Daily$ redemption:
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.
