Best DBS Credit Cards In Singapore 2025

Last updated on 2 November 2025

In this page, you’ll find mini reviews of the best DBS and POSB credit cards in November 2025. Find out key details as well as pros and cons of each card at a glance.

🎁 Ready to apply? Check out the latest DBS credit card sign-up promotions

These cards are also featured in Suitesmile’s lists of the best cards in Singapore for:

Best for Cashback	• DBS yuu
Online Shopping	• DBS Woman’s World
Groceries	• DBS yuu
Foreign Currency (Overseas & Online)	• DBS Woman’s World
Flights	• DBS Woman’s World
Hotels	• DBS Woman’s World
Phone Bills	• DBS Woman’s World • DBS yuu
Fuel	• POSB Everyday • DBS Esso
General Spending	• DBS Altitude • DBS Vantage
Ride-Hailing	• DBS yuu • DBS Woman’s World
Public Transport	• DBS Altitude
Food Delivery	• DBS yuu • DBS Woman’s World • POSB Everyday
Hospitals/Clinics	• DBS Woman’s World
Airport Lounge	• DBS Altitude • DBS Vantage

Best DBS credit cards in Singapore

Note: DBS and POSB credit cards are not worth their annual fees as they don’t have unique features/benefits. Always request for an annual fee waiver.

💡 Click on + Card Summary below to view key details like pros & cons, miles/cashback details, annual fee, income requirement, and more.

DBS yuu

18% cash rebate or 10 mpd at selected merchants

Apply

🎁 Sign-up bonus

+ Card Summary

More information on the

DBS yuu Visa Card

Suitesmile rating:

✍️ Short summary
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 S$800 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 S$78 per month (S$800 spending). Yes, that’s right, the only way that you’ll get 18% cash rebate or 10 mpd is if you spend exactly S$800 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.

Here are some participating yuu merchants:

Giant
Cold Storage
Gojek
7-Eleven
Foodpanda
Singtel
Guardian
SimplyGo (Singapore public buses, MRT, LRT)
Charge+ EV charging (Visa only)
CHAGEE (via CHAGEE app only)

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
S$196.20
(First year waived, always request for a waiver after that)

💼 Income requirement
S$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 S$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 S$1 at yuu partners if you spend at least S$800 in a calendar month. Base points are credited within 14 days, while bonus points are credited within 60 days.

📜 Terms & conditions

DBS Woman’s World

Earn 4 mpd on online spending

Apply

🎁 Sign-up bonus

+ Card Summary

More information on the

DBS Woman’s World Mastercard

Suitesmile rating:

✍️ Short summary
This card, which is also available to men, gives you a strong earn rate of 4 miles per dollar on online spending (in any currency) up to $1,000 per calendar month, with no minimum spending requirement. This covers a wide range of spending categories like online shopping, flights, hotels, food delivery and ride-hailing.

The biggest drawback of this card is its short points expiry term of just 1 year. Cardholders should set yearly reminders to transfer out the points before they expire.

💸 Annual fee
$196.20
(First year waived, always request for a waiver after that)

💼 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.

📜 Terms & conditions

POSB Everyday

Get unlimited 20.1% discount on fuel at SPC

Apply

🎁 Sign-up bonus

+ Card Summary

More information on the

POSB Everyday Mastercard

Suitesmile rating:

✍️ Short summary
This card gives you unlimited 20.1% discount (15% instant, 6% cash rebate) on fuel purchases at SPC.

Cardholders with at least $800 worth of spending per calendar month can get 10% cash rebate for selected spending categories like:

Food Delivery: 10% cash rebate, up to $200/month (shared cap with Dining)
Dining: 5% cash rebate, up to $400/month (shared cap with Food Delivery)
SimplyGo: 10% cash rebate, up to $200/month
Malaysian Ringgit In-Person: 10% cash rebate, up to $200/month
Online Shopping: 5% cash rebate, up to $400/month (selected merchants like Shopee, Lazada etc.)
Sheng Shiong: 5% cash rebate, up to $400/month

💸 Annual fee
$196.20
(First year waived, always request for a waiver after that)

💼 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.

📜 Terms & conditions

DBS Altitude

Earn 1.3 mpd on local spend, 2.2 mpd on foreign currency

Apply

🎁 Sign-up bonus

+ Card Summary

More information on the

DBS Altitude Visa Signature Card

Suitesmile rating:

✍️ Short summary
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, always request for a waiver after that)
Note: Annual fee payments come with 10,000 miles (not worth it)

💼 Income requirement
$30,000/year

🤑 Foreign currency fee
AMEX: 3%
Visa: 3.25%

🛋️ Airport lounge access
2 free lounge visits per card membership year
(Visa version only, 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.

📜 Terms & conditions

DBS Vantage

Earn 1.5 mpd on local spend, 2.2 mpd on foreign currency

Apply

🎁 Sign-up bonus

+ Card Summary

More information on the

DBS Vantage Visa Infinite Card

Suitesmile rating:

✍️ Short summary
This card gives you an uncapped earn rate of 1.5 miles per dollar (or 1.5% cashback) on SGD spending and 2.2 miles per dollar (or 2.2% cashback) 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%

🛋️ Airport lounge access
10 free lounge visits per card membership year
(via Priority Pass)

⏰ 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.

📜 Terms & conditions