Question 1

What do you mean by linking of my DBS/POSB current/savings account to my DBS/POSB Credit Card?

Accepted Answer

When you link your DBS/POSB current/savings account to your DBS/POSB Credit Card, ATM and NETS functions are made available on your DBS/POSB Credit Card.

Question 2

What are the benefits of doing the linkage?

Accepted Answer

Save wallet space with one Card, reduce the need to carry many Cards around.
Perform ATM card functions such as cash withdrawal from your DBS/POSB current/savings account with your DBS/POSB Credit Card.
Enjoy the convenience of NETS with your DBS/POSB Credit Card at more than 70,000 NETS acceptance points.

Question 3

How do I apply for this linkage?

Accepted Answer

You can log into your digibank via internet or mobile banking to apply. You can visit https://www.dbs.com.sg/personal/support/card-application-link-card-to-deposit-account.html for more details. Please allow up to 5 working days for processing.

Question 4

How will I know if the linkage is successful?

Accepted Answer

An SMS or letter will be sent to notify you upon the successful linkage of DBS/POSB current/savings account to your DBS/POSB Credit Card.

Question 5

When I sign for my transactions via American Express®/MasterCard®/Visa on this linked Credit Card, will  it be considered as a Credit Card transaction?

Accepted Answer

Yes. When you sign for your transactions with your linked Credit Card, it will be considered a Credit Card transaction. Only when you make NETS transactions, the purchase would be debited from your DBS/POSB current/savings account linked to your DBS/POSB Credit Card.

Question 6

Will I still be entitled for my Credit Card privileges?

Accepted Answer

Yes. You can still enjoy all the rewards and privileges when you make your transactions via American Express&reg;/MasterCard&reg;/Visa.

Question 7

Can I earn my Credit Card cashbacks/rewards when I make NETS transactions on my DBS/POSB  Credit Card?

Accepted Answer

No, any Credit Card cashbacks/rewards are only applicable for American Express&reg;/MasterCard&reg;/Visa transactions made on your DBS/POSB Credit Card.

Question 8

How do I withdraw from my DBS/POSB current/savings account instead of cash advance?

Accepted Answer

When making your cash withdrawal at the ATM, please select your DBS/POSB current/savings account instead of the Credit Card (cash advance) option. Your DBS/POSB Credit Card PIN number is therefore required for future PIN transactions on your DBS/POSB Credit Card for example when you make NETS and ATM cash withdrawals on your DBS/POSB Credit Card.

Question 9

Are there any interest charges for ATM cash withdrawals performed on my DBS/POSB Credit Card?

Accepted Answer

No, there is no interest charged on ATM cash withdrawals from your DBS/POSB current/savings account. However, cash advance fees will apply when you perform Credit Card cash advance transactions.

Question 10

What happens if I forget my DBS/POSB Credit Card PIN?

Accepted Answer

You can reset your PIN via internet or mobile banking.

Question 11

Can I make overseas ATM cash withdrawal from my DBS/POSB current/savings account?

Accepted Answer

Yes, MasterCard&reg;/Visa Credit Cardholders can activate overseas ATM cash withdrawal function and withdraw cash from their linked DBS/POSB current/savings account at any MasterCard&reg;/Cirrus or Visa/Plus ATMs worldwide respectively. Overseas cash withdrawal fees apply, please refer to www.dbs.com/cards for full details. American Express&reg; Credit Cardholders can withdraw cash from any ATMs worldwide that display the American Express&reg; logo. All American Express&reg; overseas cash withdrawals are considered cash advance transactions and a cash advance fee will apply, please refer to applicable DBS/POSB Card Agreement for full information.

Link your DBS/POSB Credit Card to your account: Lighten your wallet

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