What will happen to my cards?

You will receive a new DBS/POSB credit card that closely matches your ANZ credit card by the transfer date. If you already hold the matched DBS/POSB credit card, then you won't receive a new card. Your ANZ Rewards Points/Travel$/Optimum$ will be converted to DBS Points/Daily$, and your earn rates will follow the matched card.

If you have an ANZ debit card, you will receive a new DBS Visa Debit Card linked to your new DBS MCA. If you have an ANZ MoneyLine Visa debit card, you will receive a new DBS Cashline ATM Card, unless you already own this DBS card. You may continue to use your ANZ credit or debit card before the transfer date.

Which DBS/POSB card will I receive?

You will receive a DBS Altitude Visa Signature Card

No card will be issued if you already own this card.

With up to 3 miles/S$1 spend, it’s the fastest way to fly anywhere.

Top 3-5 Card Features / Benefits

  • S$1 = 3 miles on online flight & hotel transactions, S$1 = 2 miles on all overseas spend and S$1 = 1.2 miles on local spend. From now to 31 December 2017, enjoy 10 miles per dollar spend on hotel bookings with Kaligo.com!
  • Complimentary global airport lounge access with Priority Pass (2 visits per year)
  • Get up to S$1 million Travel Accident Insurance when you charge the full travel fare to the card
  • Receive double miles for your spend above S$2,500 within the first month
  • Get $20 cash rebate when you activate your card and make three transactions within the first month. Terms and Conditions apply.

For more details about your product conversion, read on.

Full terms and conditions apply.

You will receive a POSB Everyday Card

No card will be issued if you already own this card.

Get up to 14% rebate on dining & everyday essentials with Singapore’s Better Rebate Card!

Top 3-5 Card Features / Benefits

  • 14% cash rebate on online food delivery and up to 9% cash rebate on dining. Valid till 30 September 2017
  • Up to 6% cash rebate with our Everyday partners such as SPC, Sheng Siong, Watsons, SP Services and more
  • 0.3% cash rebate on everything else
  • Get $20 cash rebate when you activate your card and make three transactions within the first month. Terms and Conditions apply.

For more details about your product conversion, read on.

Full terms and conditions apply.

You will receive a DBS Black Visa Card

No card will be issued if you already own this card.

Shopping is the new Black.

Top 3-5 Card Features / Benefits

  • 5% Cashback on your shopping worldwide, within the first month
  • 3X DBS Points (or 6 miles for every S$5 spent) for all local Visa payWave purchases
  • Shop now and pay later with My Preferred Payment Plan to enjoy flexible payments over 12 months at 0% interest and 0% processing fee (usual: 5%)
  • Get $20 cash rebate when you activate your card and make three transactions within the first month. Terms and Conditions apply.

For more details about your product conversion, read on.

Full terms and conditions apply.

You will receive a DBS Mastercard Platinum

No card will be issued if you already own this card.

Welcome to the world of Platinum.

Top 3-5 Card Features / Benefits

  • Enjoy 14% savings at Esso and 15% at SPC
  • Earn 1 DBS Point (for every S$5 spent) on your purchases
  • Use it as an ATM Card by linking it to your savings and/or current account
  • Automatic fee waiver when you charge S$6,000 or more to your card each year
  • Get $20 cash rebate when you activate your card and make three transactions within the first month. Terms and Conditions apply.

For more details about your product conversion, read on.

Full terms and conditions apply.

You will receive a DBS Visa Debit card

5% Cashback. Every tap. Everywhere. Every time.

Top 3-5 Card Features / Benefits

  • 5% cashback when you pay using Visa payWave through your card, Apple Pay, Samsung Pay or Android Pay. Simply keep your cash withdrawals to three times or less and up to S$400 every month.
  • Pay for shopping, dining and leisure in 11 foreign currencies without paying foreign exchange fees! Your foreign currency transactions will be debited directly from the respective foreign currency wallet in your DBS Multi-Currency Account.
  • Make payment by NETS, and commute by public transport with NETS FlashPay.

For more details about your product conversion, read on.

Full terms and conditions apply.

Cards FAQ

General
  • Can I continue to use my ANZ card after the transfer date? When can I expect to receive my replacement DBS/POSB card?

    No, you will not be able to use your ANZ card after the transfer date. You will be issued a new DBS/POSB card that most closely matches your ANZ card by the transfer date, unless you already own the DBS/POSB card that the ANZ card is matched to.

    Your card will arrive unactivated. Please only activate your new DBS/POSB card on or after the transfer date upon receipt of SMS from DBS with instructions on activation.

    However, if you already hold the DBS/POSB card that matches with your existing ANZ card, then you won't receive a replacement card.

  • What if I already own the DBS/POSB card that my ANZ card will be matched to?

    As you already hold the DBS/POSB card that your ANZ card is matched to, we will transfer your ANZ outstanding card balance to a new DBS card account opened for the payment of your outstanding balance. This account is not for further transactions. Your ANZ Rewards Points/Travel$/Optimum$ will be transferred to your existing DBS/POSB Card.

  • What will happen to the remaining outstanding balances on my ANZ credit card?

    If you have been issued a new DBS/POSB card, your remaining outstanding balance, including any instalment payment, ANZ FlexiPlan, ANZ FlexiLoan and Balance Transfer plans will be carried over to your new card. We will retain the same remaining tenure and monthly repayment amount, where applicable.

    If you already hold the DBS/POSB card, we will create an account for paydown so the outstanding balances will still be transferred.

  • What will happen to the credit limit of my ANZ credit card?

    If you are not an existing DBS/POSB credit card customer, your overall credit card limit at DBS will be the same as your existing ANZ credit cards as of the transfer date.

    If you are an existing DBS/POSB credit card customer, your overall credit card limit at DBS/POSB will be the same as the combined limit of all of your existing ANZ and DBS/POSB credit cards as of the transfer date. We may contact you to adjust your credit limit in due course.

    If you hold both an ANZ and a DBS/POSB credit card, and if at least one of them is secured by collateral, there will be a separate letter sent to you detailing the credit limit you will have.

  • What will happen to my statement cycle for my ANZ credit card?

    Your ANZ statement cycle will be changed to the next closest DBS billing cycle. We will notify you of the dates after the transfer date.

    However, if you already own a DBS/POSB credit card, the statement cycle for your ANZ credit card will be updated and aligned with your existing DBS/POSB credit card's billing cycle.

  • Will there be a change in my payment due dates?

    Your payment due dates will be changed according to DBS schedule and may be different from your existing arrangements with ANZ. The new payment due dates will be in your DBS/POSB credit card statement, which you’ll receive after the transfer date.

  • How do I know when and what to pay?

    Up until the transfer date, please continue to make your payments by the monthly due date. You should make payments towards your ANZ credit card for payments before the transfer date, and towards your new DBS/POSB credit cards after the transfer. The new monthly repayment amount and due date will be in your DBS/POSB credit card statement, which you’ll receive after the transfer date.

  • What will happen to the existing GIRO arrangements on my ANZ credit cards?

    If you currently pay your ANZ card bills via GIRO from your ANZ or DBS/POSB current/savings account, the same arrangement will be automatically transferred for your new/existing DBS/POSB credit card bill. But if payments are from banks other than ANZ/DBS/POSB, you will have to set up new GIRO arrangements with your new/existing DBS/POSB card after the transfer date.

  • What are DBS/POSB credit card fees and charges?

    Please refer below for the list of fees and charges for DBS/POSB credit cards.

    DBS
    POSB

  • Where can I find the latest information on DBS/POSB offers and privileges?

    DBS/POSB offers and privileges are available on our website and online.

    Website
    App Store
    Google Play

  • Do I need to update third party merchants (e.g. PayPal, Google Play, iTunes, Uber) linked to my ANZ card?

    Yes. All ANZ cards will cease to work by the transfer date. Please notify all third party merchants about your change in payment details after the transfer date.

  • I recently applied for ANZ credit/debit card but did not receive any communication from DBS as mentioned in the FAQ. Why is this so?
    If you have applied for ANZ credit/debit within the last three months with ANZ, we will send you a separate letter regarding your account after the transfer date.
  • I recently cancelled my ANZ credit/debit card but received a DBS/POSB credit/debit card.
    If you have cancelled your ANZ credit/debit card, please ignore the mailer and destroy the card(s) enclosed.
  • Will I be able to use my existing ANZ PIN to access DBS/POSB ATMs?
    No, your ANZ PIN will be cancelled along with your ANZ card. Three weeks before the transfer date, you will receive a new card PIN for your DBS/POSB card, which will allow you to access your DBS/POSB accounts at any DBS/POSB ATM.
Rewards Programme
  • What will my ANZ Rewards Points/Travel$/Optimum$ be converted to? When will it expire?

    All your ANZ Rewards Points/Travel$/Optimum$ will be transferred to your new/existing DBS/POSB credit card.

      • ANZ Card
      • DBS Card
      • Rewards Conversion
      • DBS/POSB Rewards Expiry
      • ANZ Travel Visa Signature Credit Card
      • DBS Altitude Visa Signature Card
      • 2 Travel$=1 DBS Point*
      • No Expiry
      • ANZ Signature Priority Banking Visa Infinite Credit Card
      • DBS Altitude Visa Signature Card
      • 1 ANZ Rewards Point=1 DBS Point*
      • No Expiry
      • ANZ Platinum Visa Credit Card
      • DBS Black Visa Platinum Card
      • 1 ANZ Rewards Point=1 DBS Point*
      • 1 year from transfer date
      • ANZ Platinum Mastercard Credit Card
      • DBS Mastercard Platinum Card
      • 1 ANZ Rewards Point=1 DBS Point*
      • 1 year from transfer date
      • ANZ Switch Platinum Mastercard Credit Card
      • DBS Mastercard Platinum Card
      • 1 ANZ Rewards Point=1 DBS Point*
      • 1 year from transfer date
      • ANZ Optimum World Mastercard Credit Card
      • POSB Everyday Card
      • 1 Optimum$=1 Daily$
      • No expiry

    *1 DBS Point = 2 miles

  • Where can I view my ANZ Rewards Points/Travel$/Optimum$ that have been transferred to DBS/POSB?

    You can view your converted points in your DBS/POSB monthly statement, under the column ‘Earned/Adjusted’.

Payment Plans
  • What will happen to my outstanding ANZ FlexiPlan instalments?

    Your outstanding FlexiPlan instalments will be transferred to ‘My Preferred Payment Plan’. There will be no change to the tenure or the instalment amount of the payment plan. No reward points will be awarded for subsequent instalments.

  • What will happen to my existing CreditLife insurance plan?

    Your existing CreditLife insurance plan will not be transferred to the designated DBS/POSB credit card issued since ANZ will terminate the CreditLife Insurance plan before the transfer date.

    For any claims request relating to CreditLife insurance plan, please proceed to contact Prudential Singapore directly.

  • What will happen to my outstanding Instalment Payment Plan?

    Your outstanding Instalment Payment Plan (IPP) will be transferred to your new DBS/POSB credit card. You will have to continue paying your outstanding IPP using DBS payment channels. There will be no change in the instalment amount and tenure. No rewards or points will be awarded for the remaining and unposted instalments.

  • What will happen to my recurring bill payments?

    All ANZ cards will cease to work by the transfer date. You will be required to re-link your recurring bill payments to your newly issued DBS/POSB credit card with your relevant billing organisations.

    To relink, please update your billing organisations, or visit:

Debit Cards
  • If I have multiple ANZ deposit accounts and debit cards, will I also receive the same number of accounts and debit cards with DBS?

    We will consolidate all your ANZ current/savings account(s) based on the same account name (i.e. personal, joint-alternate or joint-all) and mailing address following your records with ANZ into your new DBS Multi-Currency Account (DBS MCA), and send you one DBS Visa Debit Card for easy access to your balance.

  • Since all my ANZ accounts with the same account name and mailing address (following my records with ANZ) will be consolidated as one DBS Multi-Currency Account, which will be the primary account tagged to my DBS Visa Debit Card?

    We will create a default linkage for you, but you may change the primary account at any DBS/POSB branches after the transfer date.

  • I am an ANZ Signature Priority Banking client. Will I receive a DBS Treasures Visa Debit Card?

    No, we will send you a DBS Visa Debit Card to access your new DBS Multi-Currency Account before the transfer date. Your card will arrive unactivated, and you will be able to activate it on or after the transfer date upon receipt of SMS from DBS with instructions on activation.

  • I am an ANZ Private Bank client. Will I receive a DBS Private Bank Visa Debit Card?

    No, we will send you a DBS Visa Debit Card to access your new DBS Multi-Currency Account before the transfer date. Your card will arrive unactivated, and you will be able to activate it on or after the transfer date upon receipt of SMS from DBS with instructions on activation.

  • What will be my NETS/ATM/Visa transaction limit?

    Your DBS Visa Debit Card will come with default transaction limits as follows:

    • S$2,000 daily for signature-based, contactless and card-not-present transactions
    • S$5,000 for PIN-based transactions (NETS)
    • S$3,000 daily withdrawal limit at ATMs

    To make changes, simply log in to DBS digibank (online) or visit any DBS/POSB branch after the transfer date.

  • How do I activate my DBS Visa Debit Card?

    Please activate your new DBS/POSB card on or after the transfer date when you receive an SMS with activation instructions.

Credit Card FlexiLoan and Balance Transfer Loan
  • What will happen to my outstanding Balance Transfer?

    Your ANZ Credit Card Balance Transfer will be converted to DBS Balance Transfer and will be linked to your new DBS/POSB credit card for repayment purposes.

    DBS will align the interest rates and the remaining tenure with your existing Balance Transfer plan with ANZ.

    The statement and payment dates will follow what DBS sets out and could be different from your existing arrangement with ANZ. We will notify you of the dates after the transfer date.

  • What will happen to my outstanding Term Loan?

    Your ANZ Credit Cards FlexiLoan (Term Loan) will be converted to DBS Personal Loan and will be linked to your new DBS/POSB credit card for repayment purposes.

    DBS will align the interest rates, monthly instalment amounts and the remaining tenures with your existing ANZ Credit Cards FlexiLoan (Term Loan). The last instalment amount will be based on the outstanding balances at that point in time and may differ from the regular monthly instalment amounts. The remaining tenure will be reflected as the starting tenure in your new statement.

    The statement and payment dates will follow what DBS sets out and may be different from your existing arrangements. We will notify you of the dates after the transfer date.

Account Related
  • What will happen to my unsecured facilities at ANZ that have been suspended due to outstanding balances 60 days past due?

    After the transfer to DBS, your unsecured facilities from ANZ (credit cards, unsecured loans, etc.) will remain suspended, and your existing DBS unsecured facilities will be suspended (if it were not suspended previously).

    Find out more.

  • Will my unsecured facilities at ANZ be suspended if my DBS accounts are suspended due to balances that are overdue for over 60 days?

    After the transfer to DBS, your unsecured facilities from ANZ (credit cards, unsecured loans, etc.) will be suspended (if it were not suspended previously), and your existing DBS unsecured facilities will remain suspended.

  • When will the suspension of my unsecured credit facilities be lifted?

    The suspension will be lifted after you have settled your account in full, and we have conducted fresh credit bureau and income checks to assess your creditworthiness.

  • How can I request for reinstatement of the facilities?

    You will have to submit updated income documents to us when applying for the reinstatement of your unsecured credit facilities. The outcome is subject to our credit assessment.

    To apply for reinstatement, please complete and return this form.

  • How is my income determined if I am both a DBS/POSB and ANZ customer?

    If you currently hold both DBS/POSB and ANZ credit cards, we will utilise the latest income records that you had given to either ANZ or DBS to determine your monthly income.

  • How will you determine whether my aggregate interest-bearing unsecured balances have exceeded industry borrowing limit for three consecutive months?

    If you currently hold both DBS/POSB and ANZ credit cards, your status of whether your unsecured balances have exceeded industry borrowing limit for three consecutive months will follow that of the bank with your latest income records.

    For example:
    Your aggregate interest-bearing unsecured balances have exceeded industry borrowing limit for the 1st month in DBS, while exceeding two consecutive months in ANZ. DBS has your latest income records between the two banks.

    After the transfer, you will be deemed to have aggregate interest-bearing unsecured balances that have exceeded industry borrowing limit for the 1st month only.

  • I am both an ANZ and DBS unsecured credit facilities customer, what will happen to my ANZ unsecured facilities that have been suspended due to my aggregate interest-bearing balances exceeding the industry borrowing limit for three consecutive months?

    If ANZ has your latest income records:
    After the transfer to DBS, your unsecured facilities from ANZ (credit cards, unsecured loans, etc.) will remain suspended, and your existing DBS unsecured facilities will be suspended (if it were not suspended previously)

    If DBS has your latest income records and your DBS accounts are not previously suspended:
    After the transfer to DBS, the suspension on your unsecured facilities from ANZ (credit cards, unsecured loans, etc.) will be lifted.

    Find out more.

  • Will my unsecured facilities at ANZ be suspended if my DBS accounts are suspended due to my aggregate interest-bearing balances exceeding the industry borrowing limit for three consecutive months?

    If ANZ has your latest income records and your ANZ accounts are not suspended:
    After the transfer to DBS, the suspension on your existing DBS unsecured facilities (credit cards, unsecured loans, etc.) will be lifted.

    If DBS has your latest income records:
    After the transfer to DBS, your unsecured facilities from ANZ (credit cards, unsecured loans, etc.) will be suspended, and your existing DBS unsecured facilities will remain suspended.

    Find out more.

  • When can the suspension of my unsecured credit facilities be lifted?

    Your suspension will be lifted only after you have reduced your aggregate interest-bearing unsecured balances to less than the applicable borrowing limit (which is 18 times monthly income for the period of 1 June 2017 to 31 May 2019), and after we have conducted fresh credit bureau and income checks to assess your creditworthiness.

  • How can I request for reinstatement of my unsecured credit facilities?

    You will have to submit updated income documents to us when applying for the reinstatement of your unsecured credit facilities. The outcome is subject to our credit assessment.

    To apply for reinstatement, please complete and return this form.

DBS digital services
  • I have an existing online banking access with ANZ, will I be provided with DBS online banking access?

    Yes, you will be provided with DBS digibank access if you have an ANZ deposit or credit card account, a registered mobile number and mailing address with ANZ/DBS. Upon activation of your digibank access, you can enjoy the full suite of digital services* including eStatement, PayLah!, and SMS Banking.

    *Find out more here.

  • How do I access DBS digibank?

    New to DBS digibank

    You can access DBS digibank with the security token that will be mailed to you after the transfer date. Please follow the steps in the mailer to complete your first login and view your transferred products and services. Please call our customer service hotline if you have not received it within a week after the transfer date.

    If you wish to access DBS digibank before receiving the security token, you can complete your first login with your new DBS credit/debit card* and PIN.

    *Please ensure you have activated your new DBS credit/debit card before login.

    Existing DBS digibank users

    Your transferred products and services can be accessed through your current DBS digibank account after the transfer date. Please call our customer service hotline on 1800-111-1111 if your account has not been updated within a week after the transfer date.

  • What type of statements, eStatements or paper statements, will I receive after the transfer date?

    New to DBS digibank

    If you have an ANZ deposit or credit card account, a registered mobile number and mailing address with ANZ/DBS, you will receive eStatements* on your new DBS/POSB account, once you have activated DBS digibank access.

    Existing DBS digibank users

    The type of statement you will receive will depend on your current statement arrangement with DBS. If you would like to receive eStatements, you can register for eStatements via DBS digibank.

    *For more details and eligibility, please click here.

  • Will I be able to view my new account details on DBS digibank?

    Yes, you will be able to view your new account details when you log in to DBS digibank.

  • Will my existing payee lists, scheduled and recurring transfers/payments in my ANZ Digital Banking be transferred over to DBS digibank?

    Your payee lists set up and scheduled, or recurring transfers/payments arrangements in your ANZ Digital Banking will not be transferred to DBS digibank. You will have to set up these arrangements again in DBS digibank after the transfer date. You can click on the links below for a guide on how to set up your account:

    Add transfer payee to DBS/POSB recipient
    Add transfer payee to other bank recipient
    Set up a remittance payment
    Set up a billing organisation
    Set up a GIRO payment
    Set up a Standing Instruction (Recurring fund transfer)