Best DBS & POSB Credit Cards 2021

Our credit card experts have handpicked the best rewards cards from DBS and POSB. Each card has distinct strengths and weaknesses that make them ideal for different people. Read our reviews below to find out which one might be more suitable for you.

Compare Best DBS & POSB Credit Cards by Dollar Value

Based on an average monthly spend of S$2,000, we analysed the best DBS & POSB credit cards on the market to estimate returned value-to-consumer after 2 years, accounting for rebates and netting out annual fees. As a note, dollar value is heavily dependent on spending habits; intangible benefits (like free travel insurance and airport lounge access) are valuable but difficult to quantify.

A graph displaying how best DBS & POSB credit cards compare to one another in terms of their rewards
Best DBS & POSB Credit Cards in Singapore by Estimated 2-Year Dollar Value
DBS Altitude Visa:
  • Fee-waiver & perks like lounge access
POSB Everyday:
  • Rebates up to 8% in Singapore & Malaysia
DBS Live Fresh:
  • All-in-one card w/ top rebates for online & contactless spend
DBS Woman's World:
  • 4 miles per S$1 for online shopping
DBS Live Fresh Student:
  • 5% rebate on Starbucks, McDonald's, Netflix & more
DBS Insignia Visa Infinite:
  • Free 2N hotel stay, Club Hyatt Membership & exclusive privileges
DBS Esso Platinum:
  • Up to 21.2% fuel savings at Esso
DBS Black Visa Card:
  • 0% interest instalment plan for purchases with Visa payWave

Compare Best DBS & POSB Credit Cards by Dollar Value

Based on an average monthly spend of S$2,000, we analysed the best credit cards on the market to estimate returned value-to-consumer after 2 years, accounting for rebates and netting out annual fees. As a note, dollar value is heavily dependent on spending habits; intangible benefits (like free travel insurance and airport lounge access) are valuable but difficult to quantify.

A graph displaying how best DBS & POSB credit cards compare to one another in terms of their rewards
Best DBS & POSB Credit Cards in Singapore by Estimated 2-Year Dollar Value

DBS Altitude Visa: Affordable Miles & Luxury Perks

  • Free lounge access & golf privileges, waivable fee
  • Promotions: Use code FLASHCNY to get 100% cashback (gift) on dining and groceries (up to S$288) when you apply for a DBS/POSB credit card (valid until February 9)
  • Receive 8% off online shopping by reaching monthly Personalised Spend Goal online (rewards capped at S$16-S$120/mo)
  • Read Our Full Review
  • Alternative: 10,000 bonus miles w/ payment of annual fee
  • 1.2 miles per S$1 locally, 2 miles overseas, 3 miles for online travel bookings
  • Miles earned never expire
  • Free travel insurance, 2x lounge visits, golfing & dining privileges
  • DBS My Preferred Payment Plan (0% interest instalments)
If you want to earn at top rewards rates and enjoy luxury travel perks–but aren’t willing to pay a massive annual fee–DBS Altitude Visa Card may be the card for you. Cardholders earn 1.2 miles per S$1 local spend, 2 miles overseas, and 3 miles for online travel bookings. These rates are fairly respectable–especially since miles earned never expire–but what really stands out are the card’s special perks. Cardholders receive 2 free lounge visits/year, dining privileges via Visa Foodie Trail, golfing privileges throughout SE Asia, and free travel insurance.


Most travel cards with this many perks charge high annual fees. DBS Altitude Card, however, has a moderate S$192.6 fee which can be waived with just S$25k annual spend. Ultimately, if you’re spending about S$2,100/month and want to enjoy luxury perks when you travel, consider DBS Altitude Card.

  • Stand-Out: Free lounge access & golf privileges, waivable fee
  • Promotions: Use code FLASHCNY to get 100% cashback (gift) on dining and groceries (up to S$288) when you apply for a DBS/POSB credit card (valid until February 9)
  • Receive 8% off online shopping by reaching monthly Personalised Spend Goal online (rewards capped at S$16-S$120/mo)
  • Read Our Full Review
  • Alternative: 10,000 bonus miles w/ payment of annual fee
  • 1.2 miles per S$1 locally, 2 miles overseas, 3 miles for online travel bookings
  • Miles earned never expire
  • Free travel insurance, 2x lounge visits, golfing & dining privileges
  • DBS My Preferred Payment Plan (0% interest instalments)
If you want to earn at top rewards rates and enjoy luxury travel perks–but aren’t willing to pay a massive annual fee–DBS Altitude Visa Card may be the card for you. Cardholders earn 1.2 miles per S$1 local spend, 2 miles overseas, and 3 miles for online travel bookings. These rates are fairly respectable–especially since miles earned never expire–but what really stands out are the card’s special perks. Cardholders receive 2 free lounge visits/year, dining privileges via Visa Foodie Trail, golfing privileges throughout SE Asia, and free travel insurance.


Most travel cards with this many perks charge high annual fees. DBS Altitude Card, however, has a moderate S$192.6 fee which can be waived with just S$25k annual spend. Ultimately, if you’re spending about S$2,100/month and want to enjoy luxury perks when you travel, consider DBS Altitude Card.

POSB Everyday Card: Rebates on Essentials + SimplyGo

  • Best for rebates in SG & MY w/ S$500 min. spend
  • Promotions: Use code FLASHCNY to get 100% cashback (gift) on dining and groceries (up to S$288) when you apply for a DBS/POSB credit card (valid until February 9)
  • Read Our Full Review
  • 8% rebate on online food delivery, 5% rebate on groceries at Sheng Siong
  • 3% rebate on dining and online shopping, 2% rebate on transport and fuel
  • 1% rebate on recurring bills with select merchants (capped at S$1/month)
  • 0.3% cash rebate on all other spend
POSB Everyday Card is an exceptional rebate card for daily essentials. Cardholders earn rewards on everyday purchases, with promotional rates reaching up to 8% cashback on dining, 5% on groceries, 3% on online shopping, 2% on fuel and 1% cashback on recurring bills. Other perks include all-in-one functionality (credit card, ATM and SimplyGo/ABT capabilities) and up to 20.1% fuel savings with SPC. While there's a S$192.6 fee, it's waived the 1st year, making it even easier to start earning worry-free with POSB Everyday Card.
  • Stand-Out: Best for rebates in SG & MY w/ S$500 min. spend
  • Promotions: Use code FLASHCNY to get 100% cashback (gift) on dining and groceries (up to S$288) when you apply for a DBS/POSB credit card (valid until February 9)
  • Read Our Full Review
  • 8% rebate on online food delivery, 5% rebate on groceries at Sheng Siong
  • 3% rebate on dining and online shopping, 2% rebate on transport and fuel
  • 1% rebate on recurring bills with select merchants (capped at S$1/month)
  • 0.3% cash rebate on all other spend
POSB Everyday Card is an exceptional rebate card for daily essentials. Cardholders earn rewards on everyday purchases, with promotional rates reaching up to 15% cashback on dining, transport, groceries, wellness, and recurring bills. Other perks include all-in-one functionality (credit card, ATM and SimplyGo/ABT capabilities) and up to 20.1% fuel savings with SPC. While there's a S$192.6 fee, it's waived the 1st year, making it even easier to start earning worry-free with POSB Everyday Card.

DBS Live Fresh: Cashback for Contactless & Online Spend

  • Up to 5% rebates on online & contactless spend
  • Promotions: Use code FLASHCNY to get 100% cashback (gift) on dining and groceries (up to S$288) when you apply for a DBS/POSB credit card (valid until February 9)
  • Read Our Full Review
  • 5% rebate on online spend & contactless purchases
  • All-in-one card with SimplyGo functionality
DBS Live Fresh Card is a great option for tech-friendly moderate spenders who prioritise convenience. Cardholders earn 5% cashback for online, contactless & mobile payments after a S$600 minimum spend. Essentially, this allows cardholders to earn on almost every purchase, with any merchant, anywhere. It’s worth pointing out, however, that earnings are capped at a rather low S$60/month, which can be quickly maxed out with S$1,200 monthly spend. Finally, DBS Live Fresh Card is also SimplyGo-enabled, making it the epitome of convenience.
  • Stand-Out: Up to 5% rebates on online & contactless spend
  • Promotions: Use code FLASHCNY to get 100% cashback (gift) on dining and groceries (up to S$288) when you apply for a DBS/POSB credit card (valid until February 9)
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 5% rebate on online spend & contactless purchases
  • All-in-one card with SimplyGo
DBS Live Fresh Card is a great option for tech-friendly moderate spenders who prioritise convenience. Cardholders earn 5% cashback for online, contactless & mobile payments after a S$600 minimum spend. Essentially, this allows cardholders to earn on almost every purchase, with any merchant, anywhere. It’s worth pointing out, however, that earnings are capped at a rather low S$60/month, which can be quickly maxed out with S$1,200 monthly spend. Finally, DBS Live Fresh Card is also SimplyGo-enabled, making it the epitome of convenience.

DBS Woman's World: Miles for Online Shopping

  • Up to 4 miles/S$1 spend on online shopping
  • Promotions: Use code FLASHCNY to get 100% cashback (gift) on dining and groceries (up to S$288) when you apply for a DBS/POSB credit card (valid until February 9)
  • Read Our Full Review
  • 20 miles per S$1 spend on online purchases, 6 miles on overseas and 2 miles on all other purchases
  • DBS My Preferred Payment Plan (0% interest instalments)
  • Hertz Gold Plus Rewards membership & access to Quayside
DBS Woman’s World Card is great for frequent online shoppers who often make big purchases and pay them back over time. Cardholders earn 4 miles per S$1 spend on online shopping, up to 8,000 miles/month (equal in value to about S$80). Other spend earns 0.4 miles per S$1 locally and 1.2 miles overseas, which is admittedly a bit low. Nonetheless, shoppers can still benefit from the DBS My Preferred Payment Plan, which splits transactions of S$100+ into interest-free instalments across up to 12 months. While split payments don’t earn rewards, there isn’t a processing fee (most plans charge up to 5%).


Finally, DBS Woman’s World Card stands out for offering a fee-waiver. Cardholders are exempt from the S$192.6 fee with S$25,000 annual spend (about S$2,100/month). If you do most of your shopping online and would benefit from an instalment plan, DBS Woman’s World Card may be worth considering.

  • Stand-Out: Up to 4 miles/S$1 spend on online shopping
  • Promotions: Use code FLASHCNY to get 100% cashback (gift) on dining and groceries (up to S$288) when you apply for a DBS/POSB credit card (valid until February 9)
  • Read Our Full Review
  • 20 miles per S$1 spend on online purchases, 6 miles on overseas and 2 miles on all other purchases
  • DBS My Preferred Payment Plan (0% interest instalments)
  • Hertz Gold Plus Rewards membership & access to Quayside
DBS Woman’s World Card is great for frequent online shoppers who often make big purchases and pay them back over time. Cardholders earn 4 miles per S$1 spend on online shopping, up to 8,000 miles/month (equal in value to about S$80). Other spend earns 0.4 miles per S$1 locally and 1.2 miles overseas, which is admittedly a bit low. Nonetheless, shoppers can still benefit from the DBS My Preferred Payment Plan, which splits transactions of S$100+ into interest-free instalments across up to 12 months. While split payments don’t earn rewards, there isn’t a processing fee (most plans charge up to 5%).


Finally, DBS Woman’s World Card stands out for offering a fee-waiver. Cardholders are exempt from the S$192.6 fee with S$25,000 annual spend (about S$2,100/month). If you do most of your shopping online and would benefit from an instalment plan, DBS Woman’s World Card may be worth considering.

DBS Live Fresh Student Card: Boosted Rebates for Social Young Adults

DBS Live Fresh Student Card
DBS Live Fresh Student Card
  • 5% cashback on McDonald's, Starbucks, Netflix & more
  • Promotions: S$40 off foodpanda order w/ S$250 spend in 1st month
  • S$40 off foodpanda order w/ S$250 spend in 1st month
  • Read Our Full Review
  • Annual fee: S$192.60
  • 5% cashback on dining, music, movies and TV streaming services
  • Up to 5.7% cashback on shopping at select merchants
  • Free 1 month subscription when you sign up for BlueSG Basic Plan
DBS Live Fresh Student Card is one of the absolute best options on the market for social young adults. Cardholders earn an impressive 5% rebate on spend with McDonald's & McDelivery, Starbucks, Golden Village, Netflix and Spotify–with no minimum spend requirements. While this rebate rate is capped at S$15/month, it can be maxed out with S$300 merchant spend, which is reasonably manageable for a student. General spend earns just 0.3% cashback (up to S$20/month), which is less competitive. Nonetheless, students with budgets focused on dining & entertainment, and who don't mind spending with specific vendors, can earn more in rewards with DBS Live Fresh Student Card than possible with most competitors.
DBS Live Fresh Student Card
DBS Live Fresh Student Card
  • Stand-Out: 5% cashback on McDonald's, Starbucks, Netflix & more
  • Promotions: S$40 off foodpanda order w/ S$250 spend in 1st month
  • S$40 off foodpanda order w/ S$250 spend in 1st month
  • Read Our Full Review
  • Annual fee: S$192.60
  • 5% cashback on dining, music, movies and TV streaming services
  • Up to 5.7% cashback on shopping at select merchants
  • Free 1 month subscription when you sign up for BlueSG Basic Plan
DBS Live Fresh Student Card is one of the absolute best options on the market for social young adults. Cardholders earn an impressive 5% rebate on spend with McDonald's & McDelivery, Starbucks, Golden Village, Netflix and Spotify–with no minimum spend requirements. While this rebate rate is capped at S$15/month, it can be maxed out with S$300 merchant spend, which is reasonably manageable for a student. General spend earns just 0.3% cashback (up to S$20/month), which is less competitive. Nonetheless, students with budgets focused on dining & entertainment, and who don't mind spending with specific vendors, can earn more in rewards with DBS Live Fresh Student Card than possible with most competitors.

Other DBS Credit Cards

DBS Insignia Visa Infinite Card: Metal Card with Hyatt Perks, Invite-Only

DBS Insignia Visa Infinite Card
DBS Insignia Visa Infinite Card
  • Exclusive Club Hyatt Membership & hotel privileges
  • 2 miles per S$1 spend overseas
  • 1.6 miles per S$1 spend
  • Dedicated DBS Insignia Service Ambassador
  • Unlimited Priority Pass membership to over 1,000 airport lounges worldwide
Amongst Singapore's "by invite only" metal credit cards, DBS Insignia Visa Infinite Card stands out for luxury privileges with Hyatt Hotels. Amongst many other perks, such as free lounge access and expedited immigration service, cardholders also receive a Club Hyatt membership (worth S$298), free access to amenities at Hyatt's top-tier Damai Spa, and discounted dining at restaurants in Grand Hyatt Singapore. Global travellers also enjoy a free 2 night stay at luxury hotels worldwide. In the meantime, consumers earn 1.6 miles per S$1 for all local spend, 2 miles overseas, and 100,000 bonus welcome miles (worth an incredible S$1,000). As mentioned, DBS Insignia Visa Infinite Card is not especially accessible, however. Consumers cannot simply apply–they must first be invited, and typically only individuals earning S$500k+ per year are eligible.
DBS Insignia Visa Infinite Card
DBS Insignia Visa Infinite Card
  • Stand-Out: Exclusive Club Hyatt Membership & hotel privileges
  • 2 miles per S$1 spend overseas
  • 1.6 miles per S$1 spend
  • Dedicated DBS Insignia Service Ambassador
  • Unlimited Priority Pass membership to over 1,000 airport lounges worldwide
Amongst Singapore's "by invite only" metal credit cards, DBS Insignia Visa Infinite Card stands out for luxury privileges with Hyatt Hotels. Amongst many other perks, such as free lounge access and expedited immigration service, cardholders also receive a Club Hyatt membership (worth S$298), free access to amenities at Hyatt's top-tier Damai Spa, and discounted dining at restaurants in Grand Hyatt Singapore. Global travellers also enjoy a free 2 night stay at luxury hotels worldwide. In the meantime, consumers earn 1.6 miles per S$1 for all local spend, 2 miles overseas, and 100,000 bonus welcome miles (worth an incredible S$1,000). As mentioned, DBS Insignia Visa Infinite Card is not especially accessible, however. Consumers cannot simply apply–they must first be invited, and typically only individuals earning S$500k+ per year are eligible.

DBS Esso Platinum Card: Top Petrol Savings for Esso Loyalist

DBS Esso Card
DBS Esso Card
  • Annual fee: S$192.60
  • Up to 21.2% fuel savings
  • 2.4% Smiles savings
  • 0% Interest-Free Instalment Payment Plan for Motor Insurance and Road Tax
If you almost always purchase petrol at Esso, you may want to consider DBS Esso Card. Cardholders can earn up to 21.1% fuel savings at Esso, with an additional 2.2% savings with the purchase of 250 litres of Synergy fuel. In addition, spend on Synergy fuel earns points, which can be redeemed for further Synergy Fuel vouchers. For example, 1 litre earns 1 point, and 300 points earn a S$10 fuel voucher. Cardholders also have access to a 0% interest instalment plan for motor insurance and road tax. Overall, if you’re an Esso loyalist, you can easily boost your savings with DBS Esso Card.
DBS Esso Card
DBS Esso Card
  • Stand-Out: Top discounts & savings on Synergy fuel at Esso
  • Up to 21.2% fuel savings at Esso
  • Promotions:
  • Read Our Full Review
  • Annual fee: S$192.60
  • Up to 21.2% fuel savings
  • 2.4% Smiles savings
  • 0% Interest-Free Instalment Payment Plan for Motor Insurance and Road Tax
If you almost always purchase petrol at Esso, you may want to consider DBS Esso Card. Cardholders can earn up to 21.1% fuel savings at Esso, with an additional 2.2% savings with the purchase of 250 litres of Synergy fuel. In addition, spend on Synergy fuel earns points, which can be redeemed for further Synergy Fuel vouchers. For example, 1 litre earns 1 point, and 300 points earn a S$10 fuel voucher. Cardholders also have access to a 0% interest instalment plan for motor insurance and road tax. Overall, if you’re an Esso loyalist, you can easily boost your savings with DBS Esso Card.

DBS Black Visa Card: Miles for Purchases with 0% Interest Instalment Plan

DBS Black Visa Card
DBS Black Visa Card
  • Promotions: Up to 10% off Aveda, Brooks Brothers & more
  • Receive 8% off online shopping by reaching monthly Personalised Spend Goal online (rewards capped at S$16-S$120/mo)
  • Read Our Full Review
  • Annual fee: S$192.60
  • 1.2 miles per S$1 spend on local Visa contactless purchases
  • 0.4 miles on other purchases
  • 0% Interest Payment Plans
If you're comfortable using mobile pay, make most of your purchases locally and would like to earn miles, then you may want to consider DBS Black Visa Card. For every S$1 spent, cardholders can earn 1.2 miles on local Visa contactless purchases, as well as additional discounts on shopping and dining. If you prefer to pay in instalments, DBS Black Visa Card offers 0% interest instalment plan with no processing fee for up to 12 months. Cardholders spend is rewarded in DBS points, which can then be redeemed as rewards vouchers, KrisFlyer Miles or Asia Miles, or as payment for the annual fee.
DBS Black Visa Card
DBS Black Visa Card
  • Promotions: Up to 10% off Aveda, Brooks Brothers & more
  • Receive 8% off online shopping by reaching monthly Personalised Spend Goal online (rewards capped at S$16-S$120/mo)
  • Read Our Full Review
  • Annual fee: S$192.60
  • 1.2 miles per S$1 spend on local Visa contactless purchases
  • 0.4 miles on other purchases
  • 0% Interest Payment Plans
If you're comfortable using mobile pay, make most of your purchases locally and would like to earn miles, then you may want to consider DBS Black Visa Card. For every S$1 spent, cardholders can earn 1.2 miles on local Visa contactless purchases, as well as additional discounts on shopping and dining. If you prefer to pay in instalments, DBS Black Visa Card offers 0% interest instalment plan with no processing fee for up to 12 months. Cardholders spend is rewarded in DBS points, which can then be redeemed as rewards vouchers, KrisFlyer Miles or Asia Miles, or as payment for the annual fee.

Learn More About Maximising Your Rewards with DBS & POSB


While both cashback and miles credit cards offer great ways to earn rewards, they're often structured in different ways and are suited to different spending habits:

Miles Credit Cards: Miles credit cards differ from cashback credit cards in a few ways. To begin with, cardholders typically earn a flat miles rewards rate for local spend and another flat rate for overseas spend (though in some cases, spend with specific travel agencies will earn at a boosted rate). This makes it fairly easy to earn continuously without stressing over individual spend categories. Even better, there are rarely minimum spend requirements so cardholders can begin earning immediately. Miles cards also often come with perks that make travel far more comfortable and convenient, such as lounge access, limo transfers, free travel insurance, golfing privileges & more. Perhaps as a result, travel cards tend to be a bit more expensive than rebate cards and are less likely to have fee waivers (DBS Altitude Visa is a great exception). Redeeming rewards is also a bit more complicated. It may seem odd, but consumers actually typically earn points from their spend, which must then be converted to miles (often at a price). Nonetheless, miles credit cards are a great fit for frequent travellers seeking specific perks.

Cashback Credit Cards: Cashback or rebate credit cards are somewhat more straightforward than miles credit cards. Consumers earn a credit equal to a set percentage of their purchase amount, and then this credit is (often automatically) applied to their monthly statement to offset the bill. There is no need for conversions or points redemptions. Nonetheless, cashback cards tend to have more diverse rewards structures than miles cards. While there are several flat rate cards (cards where one cashback rate applies to all spend categories), many vary rewards rates by spend category. For example, a rebate card might offer 5% cashback on dining, 3% on online purchases, and 0.4% on general retail spend. Those who are familiar with their daily spending habits can easily maximise their earnings by choosing a card that rewards the categories they spend most on.

DBS Altitude Visa Card v. Citi PremierMiles Visa Card

  • Earn 2mi/S$1 overseas, 2 free lounge visits/yr
  • Annual Fee:S$192.60
  • Promotions: New Citibank cardmembers get Apple Watch SE or S$300 cash with min spend of S$200 within 30 days of card approval (valid until February 5)
  • Read Our Full Review
If you’re seeking an affordable travel card, consider Citi PremierMiles Visa Card. Cardholders earn 1.2 miles per S$1 locally and 2 miles overseas, and receive 10,000 annual bonus miles with each card renewal (worth S$210). Cardholders even receive free travel insurance and 2 free lounge visits/year. There is a S$192.6 fee, but it’s waived 2 years.


DBS Altitude Card, on the other hand, offers similar rates but with a few extra perks (golfing privileges, for example). The card also comes with a fee-waiver, though a relatively high spend threshold of S$25,000 is required. DBS Altitude Card does not, however, offer bonus miles. Ultimately, if you prefer maxmising miles to perks, you may be more interested in Citi PMV Card; if you spend S$2,100/month and prioritise perks, you may prefer DBS Altitude Card.

POSB Everyday Card v. OCBC 365 Card

  • Unltd. travel & overseas cashback plus lounge & waived green fees
  • Annual Fee:S$192.60
  • Promotions: New cardholders will receive up to S$100 GrabFood vouchers as welcome bonus, must activate card within 30 days of card approval (valid until January 22)
  • Read Our Full Review
OCBC 365 Card is the best no-fee rebate card for daily essentials on the market. Cardholders earn 6% cashback on dining and 3% on groceries, transport, online travel & recurring bills. There’s a S$800 minimum spend requirement, and cardholders can earn up to S$80/month. Finally, the S$192.6 fee is waived with just S$10,000 annual spend.


POSB Everyday Card is another great option for everyday cashback. Unlike OCBC 365 Card, however, many of its categories are merchant-restricted. While there’s no fee-waiver, the card is SimplyGo compatible. If you want to avoid a fee and dislike vendor limitations, you may prefer OCBC 365 Card; if you prioritise convenience and don’t mind shopping with select merchants to better maximise rewards, POSB Everyday Card is for you.

DBS Woman's World Card v. Citi Rewards Card

  • Up to 4mi/S$1 spend on fashion retail & all online spend
  • Annual Fee:S$192.60
  • Promotions: New Citibank cardmembers get Apple Watch SE or S$300 cash with min spend of S$200 within 30 days of card approval (valid until February 5)
  • Read Our Full Review
Citi Rewards Card is one of the best miles-earning cards for modern shoppers. Cardholders earn 4 miles per S$1 spend on all online transactions (including food & grocery delivery and ride-hailing services) as well as on clothing, bags, shoes and other fashion items. Cardholders can earn up to 4,000 miles/month, and all kinds of transactions are rewarded–online, offline, local & overseas. It’s worth mentioning that there’s a S$192.6 fee, but it’s waived the 1st year.


DBS Woman’s World Card also offers 4 miles per S$1, but only for online fashion spend. While it’s less flexible than Citi Rewards Card, it has a higher earnings cap (8,000 miles/month) and even offers a fee waiver with S$25,000 spend. If you’re likely to spend S$2,100+/month on shopping online, DBS Woman’s World Card is a great choice; if you have a smaller budget and prefer flexibility, Citi Rewards Card may be a better option for you.

DBS Altitude Visa v. Citi PremierMiles Visa
If you’re seeking an affordable travel card, consider Citi PremierMiles Visa Card. Cardholders earn 1.2 miles per S$1 locally and 2 miles overseas, and receive 10,000 annual bonus miles with each card renewal (worth S$210). Cardholders even receive free travel insurance and 2 free lounge visits/year. There is a S$192.6 fee, but it’s waived 2 years.


DBS Altitude Card, on the other hand, offers similar rates but with a few extra perks (golfing privileges, for example). The card also comes with a fee-waiver, though a relatively high spend threshold of S$25,000 is required. DBS Altitude Card does not, however, offer bonus miles. Ultimately, if you prefer maxmising miles to perks, you may be more interested in Citi PMV Card; if you spend S$2,100/month and prioritise perks, you may prefer DBS Altitude Card.

POSB Everyday Card v. OCBC 365 Card
OCBC 365 Card is the best no-fee rebate card for daily essentials on the market. Cardholders earn 6% cashback on dining and 3% on groceries, transport, online travel & recurring bills. There’s a S$800 minimum spend requirement, and cardholders can earn up to S$80/month. Finally, the S$192.6 fee is waived with just S$10,000 annual spend.


POSB Everyday Card is another great option for everyday cashback. Unlike OCBC 365 Card, however, many of its categories are merchant-restricted. While there’s no fee-waiver, the card is SimplyGo compatible. If you want to avoid a fee and dislike vendor limitations, you may prefer OCBC 365 Card; if you prioritise convenience and don’t mind shopping with select merchants to better maximise rewards, POSB Everyday Card is for you.

DBS Woman's World Card v. Citi Rewards Card
Citi Rewards Card is one of the best miles-earning cards for modern shoppers. Cardholders earn 4 miles per S$1 spend on all online transactions (including food & grocery delivery and ride-hailing services) as well as on clothing, bags, shoes and other fashion items. Cardholders can earn up to 4,000 miles/month, and all kinds of transactions are rewarded–online, offline, local & overseas. It’s worth mentioning that there’s a S$192.6 fee, but it’s waived the 1st year.


DBS Woman’s World Card also offers 4 miles per S$1, but only for online fashion spend. While it’s less flexible than Citi Rewards Card, it has a higher earnings cap (8,000 miles/month) and even offers a fee waiver with S$25,000 spend. If you’re likely to spend S$2,100+/month on shopping online, DBS Woman’s World Card is a great choice; if you have a smaller budget and prefer flexibility, Citi Rewards Card may be a better option for you.


Many of the DBS & POSB credit cards discussed above provide the opportunity to maximise rewards from daily spend. By pairing your new credit card with select DBS & POSB accounts, however, you may also be able to significantly boost your savings overall. One of the best accounts to pair with a DBS or POSB credit card is DBS Multiplier Savings Account.

As one of the most competitive savings accounts currently available, DBS Multiplier Account stands out by offering accountholders an incredible maximum effective interest rate (EIR) of 3.65% p.a.–one of the highest on the market. Earning such a rate, however, requires multi-product engagement. In order to earn beyond the 0.05% p.a. base rate, consumers must first credit their salary and then engage with DBS products like home loans, insurance, investments, and credit cards. The more products an accountholder engages with, the higher rate they earn. Higher monthly credit card spend also boosts interest rate. As a result, consumers interested in a DBS or POSB credit card may want to consider applying for the DBS Multiplier Savings Account (and vice versa).

Carrie Arndt

Carrie is a Senior Analyst at ValueChampion, helping consumers find the best credit cards and other financial products based on quantitative and qualitative analysis. She previously led consumer studies worldwide as a Senior Research Executive at MMR Research, and led development & operations and BellaVetro. She attended Duke University and Penn State University, graduating with a degree in Political Science and Government. Her work has been featured on a variety of major media such as Yahoo Finance, Asia One, Buro, Zuu Online and more.

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