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Features of DBS Credit Cards

  • Contactless Payments: Tap-and-go with Visa PayWave or Mastercard Contactless.
  • Reward Points: Earn points on every spend, redeemable for vouchers, miles, or cashback.
  • Cashback Offers: Get cashback on dining, shopping, groceries, and online transactions.
  • Air Miles Accumulation: Convert reward points to airline miles for travel benefits.
  • Fuel Surcharge Waivers: Discounts or waivers on fuel transactions at partner petrol stations.
  • Complimentary Insurance: Travel insurance, purchase protection, and fraud liability cover.
  • Flexible EMI Options: Convert big purchases into easy EMIs.
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Benefits of DBS Credit Cards

  • Higher Reward Earnings: On premium categories like travel, dining, and online shopping.
  • Airport Lounge Access: With premium cards.
  • Zero Fraud Liability: Protection against unauthorized transactions.
  • Fuel Surcharge Waivers: At selected petrol stations.
  • Dining Privileges: With discounts at partner restaurants.
  • Welcome Bonuses: For new cardholders (reward points, cashback, or miles).
  • Easy Bill Payments: Via DBS digibank app.
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How to Apply for a DBS Credit Card?

  • Online Application: Select the preferred credit card.
  • Fill Details: Personal, employment, and financial details.
  • Upload Documents: Required documents (ID proof, income proof, address proof).
  • Submit & Await Approval: Instant or within 3-5 working days.

Eligibility Criteria

  • Age: Minimum 21 years (Primary), 18 years (Add-on).
  • Income Requirement: Salaried: Minimum annual income varies (e.g., S30,000–S80,000 based on card type), Self-Employed: Must show consistent income via bank statements or tax returns.
  • Credit Score: Good credit history (CIBIL score 750+ preferred).
  • Residency Status: Singapore citizens, PRs, or foreigners with valid employment passes.
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Factors to Consider Before Choosing a DBS Credit Card

  • Spending Habits: Travel, dining, shopping, fuel.
  • Reward Structure: Cashback, miles, reward points.
  • Annual Fees & Waivers: Lifetime free vs. fee-based cards.
  • Interest Rates & Late Payment Charges.

Usage of DBS Credit Cards

  • Daily Expenses: Groceries, fuel, utility bills.
  • Travel Bookings: Flights, hotels, and travel insurance.
  • Dining & Entertainment: Discounts at partner restaurants.
  • Online & Offline Shopping: Exclusive e-commerce deals.
  • Contactless Payments: Fast and secure transactions via NFC.

Frequently Asked Questions (FAQs)

How to activate my DBS credit card?
Via SMS: Send activation code to the designated number. Via digibank app: Log in and activate under "Card Services." Via ATM: Insert card, enter PIN, and follow instructions.
How to check DBS credit card balance?
Use digibank app/internet banking. Call DBS customer care. Check via ATM.
What is the interest rate on DBS credit cards?
Typically 25%–28% p.a. (varies by card type).
How to waive annual fees?
Request via DBS customer service (subject to spending criteria). Some cards offer lifetime free annual fee waivers.
How to increase credit limit?
Submit a request via digibank app or customer care. Bank reviews based on income, credit score, and repayment history.
What should I do if my card is lost/stolen?
Immediately block via digibank app or call DBS hotline. Request a replacement card (may involve a fee).
Does DBS offer credit cards for students or low-income earners?
Yes, DBS Live Fresh Student Card (for university students). Secured credit cards available for those with lower income.

List of DBS Bank Credit Cards

  • DBS Altitude Visa Signature
  • DBS Live Fresh Card
  • DBS Woman's World Card
  • DBS Points Visa Credit Card
  • DBS Takashimaya Card
  • DBS Esso Card
  • DBS Black Visa Card
  • DBS yuu Card
  • DBS SAFRA Card
  • DBS WWF Card