S$5 = 5 DBS Points (2 Miles per S$1)

on Online Purchases

S$5 = 1 DBS Point (0.4 Miles per S$1)

on Other Purchases

Complimentary

e-Commerce Protection for Online Purchases

All Details

• Key Features

  • 5X DBS Points per S$5 / 2 miles per S$1 on online purchases

  • 1X DBS Points per S$5 / 0.4 miles per S$1 on other purchases

  • Complimentary e-Commerce Protection on online purchases

  • Enjoy first year annual fee waiver

  • At MoneySmart, we strive to keep our information accurate and up to date. This information may be different from what you see when you visit a financial institution, service provider, or specific product site. MoneySmart shall not be liable to compensate the Customer should the information is not as updated as our Partner.

Buffet Promotion

Rewards

• DBS Points earned in your first year expire in a year from card application. Subsequent DBS Points earned expire a year from earned date

Shopping

Excellent

• 1X DBS Points per S$5

• 0.4 miles per S$1 on other purchases

Online Shopping

Very Good

• Complimentary e-Commerce Protection on online purchases

• 5X DBS Points per S$5 on online purchases

• 2 Miles per S$1 on online spend

Annual Interest Rate and Fees

Annual Principal Fee	S$163.50
Supplementary Annual Fee	S$81.75
Fee Waiver	First year waived
Interest Free Period	25 days
Annual Interest Rate	27.80% p.a. chargeable on daily basis (subject to compounding)
Late Payment Fees	S$100 (For outstanding balance above S$200)
Minimum Monthly Repayment	3.00% or S$50, whichever is greater
Foreign Currency Transaction Fee	3.25%
Foreign Check Fee	N/A
Cash Advance Transaction Fee	8% or S$15, whichever is greater
Overlimit Fee	S$40

Minimum Income Requirements

Singaporean/PR Minimum Income	S$30,000
Non-Singaporean Minimum Income	S$45,000

Card Association

Mastercard

Wireless Payment

MasterCard PayPass
Apple Pay
Samsung Pay
Google Pay

MoneySmart Promotions

Online Promotion