| Card | Top rates | Min spend | Cap | Annual fee |
|---|---|---|---|---|
| POSB Everyday Card | 10% Online food delivery · 10% SimplyGo (bus and MRT) · 10% In-store spend in Malaysian ringgit | S$800 a month | no overall cap | S$196.20 |
| DBS yuu Card | 18% yuu supermarkets · 18% Guardian · 18% foodpanda, pandamart, CHAGEE app | S$800 a month | S$144 a month on the bonus | S$196.20 |
| DBS Chromo Card | 5% Dining · 5% Wellness (supermarkets, pharmacies, beauty) · 5% Shopping (department stores, apparel, electronics, marketplaces) | S$500 a month | S$150 a month | S$196.20 |
| DBS Live Fresh Card | 6% Shopping, in store and online (apparel, department stores, electronics, online marketplaces) · 6% Transport (public transport, ride-hailing, taxis) | S$800 a month | no overall cap | S$196.20 |
POSB Everyday Card
Pays mostly at named places: 10% on SimplyGo, food delivery and in-store ringgit spend, and 5% on dining and listed online stores, above S$800 a month — each capped at S$20. It also pays 5% at Sheng Siong and 6% at SPC with no minimum at all.
| Category | Cash back | Cap | Min spend |
|---|---|---|---|
| Dining (restaurants and bars) — one S$20 cap a month shared with food delivery; fast food earns the bonus only through delivery apps | 5% | S$20 a month | S$800 |
| Online food delivery — only at foodpanda, GrabFood — shares the S$20 dining cap | 10% | S$20 a month | S$800 |
| SimplyGo (bus and MRT) — card top-ups excluded | 10% | S$20 a month | S$800 |
| Online shopping — only at Amazon.sg, Lazada, Shopee, RedMart, Taobao, TikTok Shop | 5% | S$20 a month | S$800 |
| Popular bookstores — only at Popular | 5% | S$20 a month | S$800 |
| Sheng Siong | 5% | S$20 a month | none |
| SPC — no minimum, no cap, on top of SPC's pump discounts | 6% | none | none |
| In-store spend in Malaysian ringgit | 10% | S$20 a month | S$800 |
| Everything else eligible | 0.3% | none | none |
- Minimum spend: S$800 a month. Counted per calendar month; the Sheng Siong and SPC rates need no minimum
- Cap: no overall cap. Each bonus category has its own cap of S$20 a calendar month; there's no overall cap, and the 0.3% base is uncapped. Rebates are paid as Daily$, worth S$1 each
- Annual fee: S$196.20. Waived for the first year
- Minimum income: S$30,000 a year (Singaporeans and PRs)
- Card: credit card
What doesn't earn cash back
- instalment plans, interest, cash advances and balance transfers
- AXS, SAM and bill payments through internet banking
- utilities, insurance, education, hospitals, government services and parking
- top-ups of EZ-Link, ShopeePay, YouTrip, Amaze and similar wallets
- pre-authorised transactions such as hotel bookings
Sources: POSB Everyday Card; POSB Everyday Card cash rebates terms (updated 4 March 2026, PDF). Checked 13 October 2026.
DBS yuu Card
A card for the yuu ecosystem — Cold Storage, Giant, Guardian, foodpanda, Gojek and SimplyGo. It pays in yuu Points: 5% at those merchants with no minimum, and up to 18% if you also spend S$800 a month and shop at four of them.
Paid in yuu Points: 1 point is worth 0.5% of the spend it came from. At yuu merchants the card pays 0.5% base plus 4.5% bonus with no minimum (5% in total; SimplyGo also 5%). With S$800 of eligible spend in the calendar month and purchases at 4 participating merchants, a further 13% is added — 18% in total. Other spend earns 0.25%.
| Category | Cash back | Cap | Min spend |
|---|---|---|---|
| yuu supermarkets — only at Cold Storage, CS Fresh, Jasons Deli, Giant — scan or link your yuu ID | 5% | within card cap | none |
| yuu supermarkets — only at Cold Storage, CS Fresh, Jasons Deli, Giant | 18% | within card cap | S$800 + purchases at 4 participating merchants |
| Guardian | 5% | within card cap | none |
| Guardian | 18% | within card cap | S$800 + purchases at 4 participating merchants |
| foodpanda, pandamart, CHAGEE app | 5% | within card cap | none |
| foodpanda, pandamart, CHAGEE app | 18% | within card cap | S$800 + purchases at 4 participating merchants |
| SimplyGo (bus and MRT) | 5% | within card cap | none |
| SimplyGo (bus and MRT) | 18% | within card cap | S$800 + purchases at 4 participating merchants |
| Gojek | 18% | within card cap | S$800 + purchases at 4 participating merchants |
| Everything else eligible | 0.25% | within card cap | none |
- Minimum spend: S$800 a month. Only for the 18% tier, together with purchases at 4 participating merchants; the 5% rates need no minimum
- Cap: S$144 a month on the bonus. Bonus points are capped at 28,800 yuu Points (S$144) a calendar month; the base has no cap
- Annual fee: S$196.20. Waived for the first year
- Minimum income: S$30,000 a year (Singaporeans and PRs)
- Card: Visa or American Express credit card
What doesn't earn cash back
- instalment plans, interest, cash advances and balance transfers
- AXS, SAM and bill payments through internet banking
- utilities, insurance, education, hospitals, government services and parking
- top-ups of EZ-Link, ShopeePay, YouTrip, Amaze and similar wallets
- some purchases at the merchants themselves, such as tobacco, vouchers and infant formula (list in the terms)
Sources: DBS yuu Card; DBS yuu Card terms (updated 7 August 2026, PDF). Checked 13 October 2026.
DBS Chromo Card
Who can apply: Only for applicants aged 21 to 29.
A card for under-30s: 1% on everything, and 5% on whichever two categories you spend the most on each month, from S$500 of spend. Nothing on foreign-currency purchases.
1% on all eligible spend, plus 4% on the two categories where you spent the most that month, once the card has S$500 of spend in the calendar month. Foreign-currency spend counts towards the S$500 but earns no cashback. From three months after the month you turn 30, the card pays a flat 1.7% with no cap instead.
| Category | Cash back | Cap | Min spend |
|---|---|---|---|
| Dining — only if it's one of your two biggest categories that month | 5% | S$30 a month | S$500 |
| Wellness (supermarkets, pharmacies, beauty) — only if it's one of your two biggest categories that month | 5% | S$30 a month | S$500 |
| Wellness (supermarkets, pharmacies, beauty) — only if it's one of your two biggest categories that month | 5% | S$30 a month | S$500 |
| Shopping (department stores, apparel, electronics, marketplaces) — only if it's one of your two biggest categories that month | 5% | S$30 a month | S$500 |
| Transport — only if it's one of your two biggest categories that month | 5% | S$30 a month | S$500 |
| Entertainment (cinemas, games, streaming, telco) — only if it's one of your two biggest categories that month | 5% | S$30 a month | S$500 |
| Travel (airlines, hotels, travel agencies), paid in SGD — only if it's one of your two biggest categories that month | 5% | S$30 a month | S$500 |
| Everything else eligible | 1% | within card cap | none |
- Minimum spend: S$500 a month. Counted per calendar month
- Cap: S$150 a month. S$150 a calendar month in total, base included; the bonus is capped at S$30 per category
- Annual fee: S$196.20. Waived for the first five years
- Minimum income: S$30,000 a year (Singaporeans and PRs)
- Card: credit card
What doesn't earn cash back
- all foreign-currency transactions
- instalment plans, interest, cash advances and balance transfers
- AXS, SAM and bill payments through internet banking
- utilities, insurance, education, hospitals, government services and parking
- top-ups of EZ-Link, ShopeePay, YouTrip, Amaze and similar wallets
Sources: DBS Chromo Card; DBS Chromo Card terms (updated 5 September 2026, PDF). Checked 13 October 2026.
DBS Live Fresh Card
Closed to new applicants. DBS stopped taking new applications for this card on 7 September 2026; existing cardholders keep the cashback programme.
No longer offered to new applicants. Existing cardholders get 6% on shopping and transport above S$800 a month, capped at S$50 and S$20.
| Category | Cash back | Cap | Min spend |
|---|---|---|---|
| Shopping, in store and online (apparel, department stores, electronics, online marketplaces) — the S$50 cap is on the 5.7% bonus; the 0.3% base continues | 6% | S$50 a month | S$800 |
| Transport (public transport, ride-hailing, taxis) — the S$20 cap is on the 5.7% bonus | 6% | S$20 a month | S$800 |
| Everything else eligible | 0.3% | none | none |
- Minimum spend: S$800 a month. S$800 of retail spend in the same calendar month
- Cap: no overall cap. Bonus caps of S$50 on shopping and S$20 on transport per calendar month; the 0.3% base has no cap
- Annual fee: S$196.20. Waived for the first year
- Minimum income: S$30,000 a year (Singaporeans and PRs)
- Card: Visa credit card
What doesn't earn cash back
- instalment plans, interest, cash advances and balance transfers
- AXS, SAM and bill payments through internet banking
- utilities, insurance, education, hospitals, government services and parking
- top-ups of EZ-Link, ShopeePay, YouTrip, Amaze and similar wallets
Sources: DBS Live Fresh Card; DBS Live Fresh cashback terms (updated 16 January 2026, PDF). Checked 13 October 2026.
Questions and answers
Is the POSB Everyday Card a debit card?
No — it's a credit card, issued by DBS Bank under the POSB brand, with a minimum income of S$30,000 a year for Singaporeans and PRs. Its cash rebates come as Daily$, worth S$1 each.
What is the minimum spend on the POSB Everyday Card?
S$800 of eligible spend a month. Counted per calendar month; the Sheng Siong and SPC rates need no minimum.
What is the cash back cap on the POSB Everyday Card?
There is no overall monthly cap. Each bonus category has its own cap of S$20 a calendar month; there's no overall cap, and the 0.3% base is uncapped. Rebates are paid as Daily$, worth S$1 each.
Is there an annual fee on the POSB Everyday Card?
S$196.20 a year, including GST. Waived for the first year.
What is the minimum spend on the DBS yuu Card?
S$800 of eligible spend a month. Only for the 18% tier, together with purchases at 4 participating merchants; the 5% rates need no minimum.
What is the cash back cap on the DBS yuu Card?
S$144 a month. Bonus points are capped at 28,800 yuu Points (S$144) a calendar month; the base has no cap.
Is there an annual fee on the DBS yuu Card?
S$196.20 a year, including GST. Waived for the first year.
What is the minimum spend on the DBS Chromo Card?
S$500 of eligible spend a month. Counted per calendar month.
What is the cash back cap on the DBS Chromo Card?
S$150 a month. S$150 a calendar month in total, base included; the bonus is capped at S$30 per category.
Is there an annual fee on the DBS Chromo Card?
S$196.20 a year, including GST. Waived for the first five years.
Best cards by category
- Best cashback credit cards for dining in Singapore
- Best cashback credit cards for groceries in Singapore
- Best cashback credit cards for online shopping in Singapore
- Best cashback credit cards for transport in Singapore
- Best cashback credit cards for petrol in Singapore
Other banks
- OCBC cashback cards
- UOB cashback cards
- Citi cashback cards
- HSBC cashback cards
- Standard Chartered cashback cards
- Trust Bank cashback cards
- American Express cashback cards
- CIMB cashback cards
Checked against the banks' own pages and terms on 13 October 2026. Banks change rates, caps and exclusions at short notice — the card's terms on the bank's site are what counts. Tratobor takes no money from banks and has no referral links; this is reference information, not financial advice.