Last updated on 12 January 2025
Below, you’ll find mini reviews of the best DBS/POSB credit cards in January 2025.
These cards are also featured in Suitesmile’s lists of the best cards in Singapore for:
| Online Shopping | • DBS Woman’s World |
| Groceries | • DBS yuu |
| Foreign Currency | • DBS Woman’s World |
| Flights | • DBS Woman’s World |
| Hotels | • DBS Woman’s World |
| Telco Bills | • DBS Woman’s World • DBS yuu |
| Utilities | • POSB Everyday |
| Fuel | • POSB Everyday • DBS Esso |
| General Spending | • DBS Altitude • DBS Vantage |
| Ride-Hailing | • DBS yuu • DBS Woman’s World |
| Public Transport | • DBS Altitude |
| Hospitals/Clinics | • DBS Woman’s World |
| Airport Lounge | • DBS Altitude • DBS Vantage |
💡 Click on the + Card Summary buttons below to view the key details of each card.
DBS yuu
Get up to 18% cash rebate or 10 mpd at selected merchants
More information on the
This card gives you uncapped earn rate of 10 yuu points per dollar at participating yuu merchants, with no minimum spending required. 10 yuu points can be redeemed for 5% cash rebate or 2.78 KrisFlyer miles per dollar.
Spend at least $600 per calendar month to get a bonus 26 yuu points per dollar at those merchants (total 36 yuu points = 18% rebate = 10 mpd), capped at $78 per month ($600 spending). Yes, that’s right, the only way that you’ll get 18% cash rebate or 10 mpd is if you spend exactly $600 at participating merchants every month.
So, should you redeem yuu points for KrisFlyer miles?
By ignoring the opportunity to earn 18% rebate, you’d be “paying” about 1.8 cents per KrisFlyer mile in opportunity cost; and that’s pricey.
Tip: Redeem yuu points for excluded Giant or Cold Storage items like magazines, infant milk formula, sushi or tobacco products to lower/eliminate your opportunity cost.
If you’re looking to top-up small amounts of KrisFlyer miles for an award redemption, this is a great way to do so, as conversions are free and instantaneous.
- Giant
- Cold Storage
- Gojek
- 7-Eleven
- Foodpanda
- Singtel
- Guardian
- Breadtalk
Cardholders can also earn 35 yuu points per dollar when purchasing Dairy Farm supermarket vouchers from Giant or Cold Storage outlets, and when paying Singtel bills at Singtel kiosks in Singtel shops.
Get just 0.5% cash rebate at other merchants.
💸 Annual fee
$196.20
(First year waived)
💼 Income requirement
$30,000/year
🤑 Foreign currency fee
3.25%
🫱🫲 Transfer partners
KrisFlyer only
💯 Conversion ratio
1 yuu point = 0.5% cash rebate
3.6 yuu points = 1 KrisFlyer mile
🧮 Transfer block
200 points (56 miles)
💲Transfer fee
Free
❓How/When points are credited
Earn 1 yuu point per $1 dollar spent, plus 9 bonus yuu points for eligible online transactions (equivalent to 5% cash rebate in total). Earn a further 26 yuu points per $1 at yuu partners if you spend at least $600 in a calendar month. Base points are credited within 14 days, while bonus points are credited within 60 days.
DBS Woman’s World
Earn 4 mpd on online spending
More information on the
This card, which is also available to men, gives you a strong earn rate of 4 miles per dollar on online spending (in foreign currency too!) on key spending categories like online shopping, flights, hotels, food delivery and ride-hailing, up to $1,500 per calendar month.
The biggest drawback is that DBS points earned on this card have an expiry term of just 1 year. With a minimum transfer block of 5,000 points (10,000 miles), cardholders often find themselves with expiring “orphan” points of under 5,000, that can only be redeemed for low-value items like mall/dining vouchers.
💸 Annual fee
$196.20
(First year waived)
💼 Income requirement
$80,000/year
(Not strict. Many readers with lower income have reported that you can get an approval by applying without SingPass, then entering an annual income above $80k, before uploading your actual proof of income that is under $80k.)
🤑 Foreign currency fee
3.25%
⏰ Points expiry
1 year from transaction
🫱🫲 Transfer partners
KrisFlyer, Asia Miles, Qantas Frequent Flyer
💯 Transfer ratio
1 point = 2 miles
🧮 Transfer block
5,000 points (10,000 miles)
💲Transfer fee
$27.25 per transfer
🤗 Points pooling
Points from this card can be combined with those from other DBS cards and transferred out together at once.
❓How/When points are credited
Earn 1 base point per $5 dollar spent, plus 9 bonus points for eligible online transactions (equivalent to 4 mpd in total). Base points are credited immediately when the transaction is posted, while bonus points are credited around the middle of the following calendar month.
POSB Everyday
Get unlimited 20.1% discount on fuel at SPC
More information on the
This card gives you unlimited 20.1% discount (15% instant, 6% cash rebate) on fuel purchases at SPC.
Get 2-3% cash rebate at selected electricity retailers, capped at $2-3 per calendar month ($100 spending).
Cardholders with at least $800 worth of spending per calendar month get 10% cash rebate for food delivery, 5% for online shopping at selected stores and 3% for dining and telco. Cash rebates for these categories have a monthly cap.
💸 Annual fee
$196.20
(First year waived)
💼 Income requirement
$30,000/year
🤑 Foreign currency fee
3.25%
❓How/When cashback is credited
Cash rebate amount is credited into the card by the end of 3 calendar months.
DBS Altitude
Earn 1.3 mpd on local spend, 2.2 mpd on foreign currency
More information on the
This card gives you an earn rate of 1.3 miles per dollar on SGD spending, and 2.2 miles per dollar on foreign currency transactions.
Other great features include 2 free airport lounge visits per year (Visa version only) and that the miles/points earned on this card do not expire.
💸 Annual fee
$196.20
(First year waived, get 10,000 miles with subsequent annual fee payments)
💼 Income requirement
$30,000/year
🤑 Foreign currency fee
AMEX: 3%
Visa: 3.25%
🛋️ Airport lounge access
2 free visits per calendar year via Priority Pass
⏰ Points expiry
Points earned from this card do not expire!
🫱🫲 Transfer partners
KrisFlyer, Asia Miles, Qantas Frequent Flyer
💯 Transfer ratio
1 point = 2 miles
🧮 Transfer block
5,000 point (10,000 miles)
💲Transfer fee
$27.25 per transfer
🤗 Points pooling
Points from this card can be combined with those from other DBS cards and transferred out together at once.
❓How/When points are credited
Base points are credited immediately when the transaction is posted, while bonus points are credited around the middle of the following calendar month.
DBS Vantage
Earn 1.5 mpd on local spend, 2.2 mpd on foreign currency
More information on the
This card gives you an uncapped earn rate of 1.5 miles per dollar on SGD spending and 2.2 miles per dollar on foreign currency spending.
This is a great backup card, if you have exhausted all your specialized cards with better earn rates.
Like the entry-level DBS Altitude card, this card also gives you a fantastic 6 mpd earn rate on air tickets on selected airlines (e.g. Qatar Airways, Turkish Airlines, Finnair and more) and hotels booked via the dedicated Expedia link, up to $5,000 per calendar month.
Cardholders receive Accor Plus Explorer membership, which comes with 1 complimentary hotel stay in Asia Pacific and up to 50% off dining in Accor properties.
Cardholders are also entitled to 10 free airport lounge visits (via Priority Pass) per card membership year!
💸 Annual fee
$599.50
(Strictly no waiver. Comes with 12,500 points, equivalent to 25,000 miles)
💼 Income requirement
$120,000/year
🤑 Foreign currency fee
3.25%
⏰ Points expiry
3 years from transaction
🫱🫲 Transfer partners
KrisFlyer, Asia Miles, Qantas Frequent Flyer
💯 Transfer ratio
1 point = 2 miles
🧮 Transfer block
5,000 points (10,000 miles)
💲Transfer fee
$27.25 per transfer
🤗 Points pooling
Points from this card can be combined with those from other DBS cards and transferred out together at once.
❓How/When points are credited
Base points are credited immediately when the transaction is posted, while bonus points are credited around the middle of the following calendar month.
DBS Esso Platinum
Get unlimited 18% discount on fuel at Esso
More information on the
This card gives you an instant 18% discount on fuel purchases at Esso.
💸 Annual fee
$196.20
(First year waived)
💼 Income requirement
$30,000/year
🤑 Foreign currency fee
3.25%