Best DBS/POSB Singapore Credit Cards (September 2024)

Last updated on 31 August 2024

The following are the best DBS/POSB credit cards in September 2024.

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
General Spending: DBS Altitude, DBS Vantage
Transportation: DBS yuu, DBS Woman’s World
Hospitals/Clinics: DBS Woman’s World
Airport Lounge: DBS Altitude, DBS Vantage

💡Click on the + Card Summary buttons below to instantly view the key details of each card!

DBS yuu

Get up to 18% cash rebate at selected merchants

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🎁 Sign-up bonus

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DBS yuu American Express Card

Suitesmile rating:

✍️ Short summary
This card gives you unlimited 5% cash rebate at yuu partners with no minimum spending required.

Spend at least $600 per calendar month to get a bonus 13% cash rebate (total 18%) at yuu partners, capped at $78 per month ($600 spending).

yuu partners include:
– Giant
– Cold Storage
– Gojek
– 7-Eleven
– foodpanda
– Singtel
– Guardian
– Food Republic
– Food Junction
– Breadtalk

Cardholders can also get 17.5% cash rebate 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%

💯 Conversion ratio
1 yuu point = 0.5% cash rebate

❓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.

📜 Terms & conditions

DBS Woman’s World

Earn 4 mpd on online spending

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🎁 Sign-up bonus

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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 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 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

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🎁 Sign-up bonus

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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.

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.

📜 Terms & conditions

DBS Altitude

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

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🎁 Sign-up bonus

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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 (via Priority Pass) per year 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
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 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

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🎁 Sign-up bonus

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DBS Vantage Visa Infinite Card

Suitesmile rating:

✍️ Short summary
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 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 Esso Platinum

Get unlimited 18% discount on fuel at Esso

Apply now

🎁 Sign-up bonus

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DBS Esso Platinum Mastercard

Suitesmile rating:

✍️ Short summary
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%

📜 Terms & conditions