Applying for a DBS Debit Card or Credit Card

Am I eligible for a debit card?

You must be at least 16 years old and have a POSB Savings Account, DBS Savings Plus Account, DBS Autosave Account or DBS Current Account. To open one of these accounts, click here.

If you are a foreigner, please apply for a debit card at any of our branches. You will need to present your passport and an employment pass that is valid for at least 6 months.

Am I eligible for a credit card?

If you're Singaporean or have permanent residency and you're over 21 years of age, you can apply for a DBS Credit Card. You'll need to earn at least S$30,000 a year. For some cards, especially Platinum cards, you'll need to earn more so check the Application Details for the card you're interested in.

If you're a foreigner with a valid employment pass, you'll need to earn a least S$45,000 a year unless otherwise stated.

What do I need to apply?

The type of document you’ll need varies. Click here for detailed list.

How long does it take?

Please allow 7 working days for processing. Application not accompanied with required documents or with incomplete information will cause a delay in processing.

Why was my application turned down?

All applications go through an approval process. For confidentiality reasons, we can't reveal why your particular application was unsuccessful.

However, we may not be able to process your debit card application if your designated DBS savings or current account is not signature-operated, or if your signature differs from our records. In these instances, we will notify you via an sms or letter and advise you to re-apply at the branch or call us back for further verification

Can I check the status of my application?

Yes, Login to Internet Banking. Go to Apply > More Application Services > Select “View Application Status”. Alternatively, you may chat with our Virtual Assistant or Live Chat agents at Please allow 7 working days for processing. Application not accompanied with required documents or with incomplete information will cause a delay in processing.

Click Credit Card or Debit Card to select the card you wish to apply for.

Where can I view the updated Credit Card and Unsecured Credit Rules?

Please click here for the latest FAQs on Revised Credit Card and Unsecured Credit Rules (ABS).


DBS Reward Points / DBS Online Rewards

What's DBS Rewards?

DBS Rewards is our way of saying thanks for having a DBS Credit Card. Every time you charge to your card, you earn DBS Points which you can use to exchange for a range of exciting reward items.

How do I qualify for DBS Points?

All DBS Credit Cardmembers are eligible for DBS Points Redemption Programme. However, the Programme does not apply to the following cards:-

  • DBS Corporate Liability Card (MasterCard Corporate/ Executive and Visa Corporate/ Business)
  • DBS Purchasing Card
  • Country Club Corporate Card
  • DBS Live Fresh Card
  • DBS Takashimaya Card
  • DBS Esso Card
  • DBS yuu Card
  • SAFRA DBS Credit/Debit Card
  • POSB Credit Card
  • DBS and POSB Debit Cards

How do I earn points?

You earn 1 DBS Point for every S$5 retail purchase charged to your DBS Credit Card. Points are calculated on each transaction and rounded down to the nearest whole number.

How do I earn accelerated points?

Some cards earn more points than others. For example, with DBS Altitude Cardmembers earn 3 DBS Points for every S$5 spent locally and earn 5 DBS Points for every S$5 spent on overseas transactions. Local spend is identified as card transactions posted in Singapore dollars. Overseas spend is identified as card transactions posted in foreign currencies. Click here for full terms and conditions.

Are there any transactions that don't earn points?

DBS Points will not be awarded for:

  • Bill payments and all transactions via AXS, SAM, eNETS
  • Payments to educational institutions
  • Payment to government institutions and services (court cases, fines, bail and bonds, tax payment, postal services, parking lots and garages, intra-government purchases and any other government services not classified here)
  • Payment to insurance companies (sales, underwriting, and premiums)
  • Payments to financial institutions (including banks and brokerages)
  • Payment to non-profit organisations
  • Payments to hospitals
  • Payments to utilities
  • Betting (including lottery tickets, casino gaming chips, off-track betting, and wagers at race tracks) through any channel
  • Any top-ups or payment of funds to payment service providers, prepaid cards, any prepaid accounts or purchase of prepaid cards/credits (including but not limited to EZ-Link, GrabPay, NETS FlashPay, Razer Pay, ShopeePay, Singtel Dash and Transit Link)
  • Any transaction with transaction description “AMAZE*”
  • Instalment payment plan purchases, preferred payment plans, balance transfer, fund transfer, cash advances, annual fees, interest, late payment charges, all fees charged by DBS, miscellaneous charges imposed by DBS (unless otherwise stated in writing by DBS).

What can I do with my DBS points?

You can redeem them for a whole lot of great rewards. There's everything from dining vouchers to movie tickets, to home appliances. Click here to explore the whole range.

When do my points expire?

Your DBS Points will expire one year from the quarterly period in which they were earned.

DBS Points Earned Between DBS Points Expiry Date

1 Jan - 31 Mar 2023

31 Mar 2024

1 Apr - 30 Jun 2023

30 Jun 2024

1 Jul - 30 Sep 2023

30 Sep 2024

1 Oct - 31 Dec 2023

31 Dec 2024

Can Supplementary Cardmembers earn points?

Yes, these points will be accumulated in the Principal Cardmember's account, and only the Principal Cardmember can redeem DBS Points for Rewards. However, Supplementary Cardmembers may also utilise the Rewards Vouchers issued to the Principal Cardmember.

How do I know how many points I have and how do I redeem them?

Your DBS Points appear on your monthly Credit Card statement. You may also log in to our online DBS Rewards redemption website or DBS PayLah! app to check your available points and make a redemption.

When will I receive my voucher(s)?

It will take a few days to process your redemption and deliver the voucher(s).

Can I exchange vouchers or extend the expiry date?

Sorry, you can't cancel redemptions or exchange vouchers once you've requested them. The expiry is printed on the voucher, so use it, don't lose it!

Can I use my DBS Points to pay my Credit Card's annual fee?

Yes, so long as redemption is done 1 month before the Annual fee due date. Visit the fee waiver section of our Rewards page and select your card. Please note that the annual fee with be reflected in your Credit Card statement, upon its due date, but will be reversed in the following month's statement.

How do I convert DBS Points to air miles?

For transfers to KrisFlyer, Asia Miles or Qantas Points, conversion rate of 1 DBS point to 2 miles applies and transfers are accepted in blocks of 5,000 DBS Points (or 10,000 miles). For Air Asia BIG points, transfer is at the conversion rate of 1 DBS Point to 3 Air Asia BIG points and transfers are accepted in blocks of 500 DBS Points (or 1,500 Air Asia BIG points). Each conversion of DBS Points to miles by Cardmember to his/her designated airline’s programme will be subjected to a S$27.00 administration fee (inclusive of GST). For Air Asia BIG points conversion, the administrative fee is waived till 31 Dec 2023.

To redeem your DBS Points to miles, redemption can be made through our Rewards website Please note that the transfer process takes approximately 1 - 2 weeks.


DBS Online Rewards

What is DBS Online Rewards?

DBS Online rewards website allows you to check your DBS points and redeem rewards online.

How do I login to redeem?

Simply enter your digibank user ID and PIN to login.

For Daily$ rebates, please login to DBS iBanking to redeem your Daily$ rebates

I am not an existing DBS iBanking customer; can I still redeem my points online?

No. You will need to register for a digibank user ID to perform DBS rewards redemption. Click here to register now.

I am not a DBS Cardmember, can I still access the DBS Online Rewards website?

Yes. You can still browse the website to gather information. However, you need to be a DBS credit cardmember and digibank user to login. To sign up for a DBS credit card, please visit

I have more than one DBS Credit Card. How can I redeem my DBS Points on this rewards site?

You can login with your digibank user ID and PIN. All DBS points accumulated via all your eligible credit cards will be automatically consolidated to your account.

Can I change the billing address displayed in my account?

No. For security reasons, change of billing address is not permitted via this site. You may update your address via DBS/POSB iBanking or DBS/POSB digibank app. Refer to update profile steps here.

Are all my DBS Credit Cards eligible for redemption on this website?

All DBS reward point-earning credit cards are eligible for the redemption programme. DBS Corporate Liability Card, DBS Purchasing Card, Country Club Corporate Card, DBS Live Fresh Card, DBS Saab Credit Card, DBS Takashimaya Card, DBS Esso Card, DBS yuu Card, SAFRA DBS Credit/Debit Card, POSB Credit Card and all DBS and POSB Debit Cards are not eligible for this DBS points reward redemption program.

How can I view my DBS Points and expiry date?

After login, please click on "My DBS Points Details" and all your DBS Points will be displayed with the respective expiry dates.

How do I search for rewards?

Please use the search bar below the menu. You can search for products by the following ways:

  1. Points range - drag the number
  2. Enter a keyword into the text box
  3. Select any one of the category on the menu bar

How do I redeem for items?

  • Drag and drop the item into the shopping cart on the right, you may increase or decrease quantity by clicking on the + or - sign.
  • Click on the product and a light box will open up, enter desired quantity and click "Add to cart"

How do I delete an item from the shopping cart?

  • Click on the - (minus) sign until it is removed from the shopping cart
  • Go to "View shopping cart" and click on "Remove" to delete item

If I spend on my credit card now, how long does it take for me to be able to redeem on the points?

Your credit card points will be updated once the merchant has posted the transaction(s) and it will be reflected in your account within 24 hours.

Please note that DBS shall have the discretion to postpone the awarding of credit card points for a reasonable period in the event of unforeseen circumstances, including any delay arising from system issues.


Paying Your Credit Card Balance

What payment methods can I use?

There are plenty of options available. Check the following table for details:

Payment Channel Payment credited on Remarks
DBS Internet Banking/digibank Payment is immediate For DBS/POSB account holders only
Phone Banking/ATM Next working day (if payment is made before 11.30pm from Mon-Sat, & before 8pm on the last working day of the month) For DBS/POSB account holders only
AXS Stations Next working day (if payment is made before 4.55pm on Weekdays). Payment made on Friday (after 4.55pm) and on weekends will be credited to your Card Account on Tuesday (provided it is a working day). -
InterBank GIRO 3rd working day You will need to complete GIRO application form

How long do I get interest-free on purchases?

You will have 25 interest-free days to make payment before your next Statement of Account is generated. After which, if you have not made full payment by the payment due date, you will be billed for interest, calculated daily from the date your transaction(s) were posted to your card account until full payment is received, subject to a minimum S$2.50.

Are there fees if I don’t pay?

For partial payment or non-payment by the due date, there will be Finance Charges computed at the prevailing interest rate of 27.8% per annum levied. Finance charges are calculated daily from the date each transaction is posted to your card account until full payment is received. A minimum finance charge of S$2.50 is applicable.

S$100 will be levied if minimum payment is not received on the card account by payment due date, provided your outstanding balance is above S$200, with effect from 27 April 2021.

When will an interest adjustment be added to your account?

If the bank does not receive the required minimum payment by its due date (for example, due date on 25 June as illustrated in the example below), the interest rate applicable to your Credit Card account will be increased by 3% p.a. on top of the prevailing interest rate (”Increased Interest Rate”). This Increased Interest Rate shall be applied to the outstanding balance in your Credit Card account from the first working day after the date of the subsequent Credit Card account statement following your Credit Card account statement (i.e. from August’s statement), and used to compute the finance charges applicable to your Credit Card account.

This additional interest rate shall be applied even if minimum payment is received by the Bank on or before the due date of the following month (i.e. in July).

In the event that the minimum payment is made in full on or before the due date for the next statement (for example for August statement), the Increased Interest Rate shall be reinstated to the prevailing interest rate on the first working day after your next Statement Date (i.e. from September’s statement).



How do I know when the additional interest rate will be applied to my Credit Card Account?

Any adjustment/reinstatement to the prevailing interest rate will be reflected in your monthly statement under your Account number.



What will happen if I miss my payment again?

If you miss your payment again during the period of the 1 month during which you must maintain minimum payment in order for the Increased Interest Rate to be reinstated to the prevailing interest rate, the Increased Interest Rate will continue to apply until minimum payment is made in full for 1 month period. Using the example above, the prevailing interest rate will only be reinstated from October’s statement.



How can I avoid paying interest and fees?

  • If you pay your credit card balance in full each month by the due date.
  • If you pay the minimum amount each month by the due date, you can avoid late payment charges.

Charge Disputes

I can’t remember making a transaction. How do I check the full details of a charge on my statement?

You may chat with our Virtual Assistant or Live Chat agent at or contact us at 1800 339 6963 or (65) 6339 6963 from overseas. We’ll request a retrieval of the charge slip and mail it to you for verification. This may take from 6 to 8 weeks and costs S$5.00 per copy.

What if I’m sure I didn’t make a transaction on my statement – or that it’s for the wrong amount?

You may call our 24-hour Customer Service Centre at 1800 339 6963 or (65) 6339 6963 from overseas to register your dispute.

For FAQ, please click here for more infomation


Cancelling and Replacing Cards, Changing Your PIN

How do I cancel my card if it’s lost or stolen?

If your debit or credit card is lost or stolen, you should report it immediately. We’ll cancel it and arrange a new card for you.

Once you report that your card is lost or stolen, you will not be liable for any fraudulent transactions on your lost or stolen card from the time you notify us:

Visit our Cards Digital Services Page at to block and replace your card. Alternatively, you may call our Customer Service Centre at 1800 339 6963 or (65) 6339 6963 from overseas.

What if I don’t want my Debit or Credit Card any more?

Visit our Cards Digital Services Page at to cancel your card. Alternatively, you may write in to us.

There’s no need to give a reason but please include your card account number & signature so we can cancel it. Our address is:

DBS Cards
Orchard Road
P.O. Box 360
Singapore 912312

For security reasons, please cut each card in half and dispose of them straight away. If there are outstanding balances remaining, your monthly statement will continue to be sent to you until full payment has been made.

I damaged my card, how do I get a replacement?

Visit our Cards Digital Services Page at to replace your card. Alternatively, you can call our 24-hour Customer Service Centre on 1800 111 1111 or (65) 6327 2265 from overseas to request for a replacement card. 

I can’t remember my ATM/Debit/Credit Card PIN, can I request a new one?

If you’ve forgotten your ATM/Debit/Credit Card PIN, you can reset instantly via:

  • DBS/POSB Internet Banking:
    Login to Internet Banking >> Cards >> Reset Card PIN
  • DBS/POSB Digibank app:
    Login to Digibank App >> Card Services >> Reset Card PIN
  • If you do not have Internet or Mobile Banking, you can reset here.

Upgrading or Changing Cards

Can I change to a different card?

Yes, but because each card has different terms you have to apply again. It’s up to you whether you want to cancel your old card or keep it.


Cash Advance and Funds Transfer

How much does Cash Advance cost?

A Cash Advance fee of 8% of the amount withdrawn or S$15.00, whichever is greater, will be levied for each Cash Advance transaction made on your card account. In addition, Cash Advance prevailing interest rate of 28.5% p.a. (subject to compounding if the charges are not repaid in full) on the amount withdrawn, chargeable on a daily basis from the date of withdrawal until receipt of full payment (minimum charge of S$2.50) will apply.

How does Balance Transfer work and how to apply?

Consolidate your outstanding balances with other banks with DBS/ POSB Balance Transfer and enjoy 0% interest over 3, 6 or 12 months tenure.

Apply online with just 3 steps. Please click here for more details.


Enhancing Card Usage Security

  1. What is EMV?
    EMV stands for Europay, MasterCard, Visa which is a joint effort to ensure security and global Interoperability so that MasterCard and Visa cards can continue to be accepted everywhere. With the EMV Smart Chip, your card is protected against fraudulent activities and you can enjoy the highest level of security when transacting on your Card.

  2. How does my EMV Chip Card offer enhanced security against fraud?
    The microprocessor chip on the EMV Chip Card is protected by cryptographic encryption, which prevents its contents from being replicated. The chip-based card complies with the MAS standards of data security. Magnetic stripe cards, on the other hand, use an older technology making the card vulnerable to cloning.

  3. Can I use my EMV Chip Card overseas?
    Yes, you may use your EMV Chip Card overseas. However, in some countries, EMV Chip Cards are not prevalent and not all terminals accept EMV Chip Cards. In these countries, your transactions can still be processed via the magnetic stripe.

  4. I have other main and or supplementary credit card(s) with DBS. Will these cards be replaced with EMV Chip Cards as well?
    Yes, we are progressively sending out EMV Chip Cards to customers.

  5. What happens to my current PIN?
    Your current PIN remains unchanged and will continue to apply to your new EMV Chip Card.

  6. Can I use the EMV Chip Card for online transactions as well as at ATMs?
    Yes, you can use your EMV Chip Card for online purchases and perform cash advances at ATMs. You may also perform cash withdrawals at ATMs if you have linked your DBS Current/Savings account to your Credit/Debit Card.

  7. What happens to my GIRO, installment payment plan as well as recurring payment arrangements on my current card?
    Your new EMV Chip Card bears the same 16-digit credit card number as your current Card. Hence, all these arrangements will remain unchanged.

  8. What happens to the DBS Reward Points / Dollars on my current card?
    Your DBS Reward Points / Dollars will continue to remain in your account.

  9. Will the change in the expiry date of the card affect my online or ecommerce transaction(s)?
    Yes. Please update your existing ecommerce merchants of the new expiry date of the card to ensure transactions are not affected.

  10. What should I do if my EMV Chip Card has been misplaced?
    Visit our Cards Digital Services Page at to block and replace your card. Alternatively, you may call our Customer Service Centre at 1800 339 6963 or (65) 6339 6963 from overseas.


Card Activation

    1. Why do I need to activate my new DBS/POSB Cards before use?
      Banks are taking extra steps to protect their Cardholders to reduce the possibility of fraudulent transactions being undertaken by unauthorised parties.
    2. Which types of Cards need to be activated?
      All new, replacement or renewal DBS/POSB Cards; principal and supplementary Cards, including DBS Commercial Cards, will require activation. For Frequently Asked Questions on DBS Commercial Cards, please click here.
    3. Where do I activate my DBS/POSB Card?
      You can activate your new card using QR code, digibank mobile/online, DBS digibot, SMS Banking or at our DBS/POSB ATM and Video Teller Machine (VTM). Visit for more details.

      QR code for Personal credit / debit / ATM card:

      Please note: SMS Banking service for card activation will not be available from 30 June 2023.

      DBS digibank app:

      • Login to DBS digibank app with your User ID and Password and Token
      • Select "Card Services"
      • Select "Activate Credit Card or Activate ATM/Debit Card"
      • Follow instructions on the DBS digibank app screen to complete activation

      Please note: You will need your Credit/Debit/ATM Card PIN which will be mailed to you for your ATM and PIN - based transaction.

      iBanking (For iBanking users):

      • Login to iBanking with your User ID and Password
      • Under the "Cards" tab, select "Card Activation"
      • Select either "Credit Card" or "Debit/ATM Card"
      • Select the Card you would like to activate
      • Accept the Terms and Conditions and click "Next"
      • Verify the details before clicking "Submit"

      DBS/POSB ATM in Singapore:

      • ATM activation is available from 7am - 11pm (Mon-Sat) and 7am - 9.30pm (Sun and Public Holidays)
      • Insert your new Credit or Debit/ATM Card
      • Key in your PIN
      • Select "More Services"
      • Select "Cards/PIN/iBanking/Phonebanking"
      • Select "Activate Card"
      • Follow instructions on the ATM screen to complete activation
    4. How can I activate both my POSB Baby Bonus NETS card and POSBkids Account in one step?
      CDA Customers can activate both your POSB Baby Bonus NETS Card and POSBkids Account instantly via the One-Step SMS Activation as below:
      • For Trustees who are existing DBS/POSB account holders:

        SMS to 77767:
        Activate <space> card's last 4 digits <space> SG
      • For Trustees who are new to bank:

        SMS to 77767:
        Activate <space> card's last 4 digits <space> SG <space> SG

      Please note: This service is only available for Singaporean/PR Trustee & Child who are Singapore Tax Resident Only. By performing the one-step SMS instant activation, you acknowledge and agree that your child and you are tax resident of Singapore only.

  1. Can I use my Card immediately after activation?
    Activation via ATM and iBanking will be immediate. For activation request via Mail-in Activation Slip, your Card will be activated within 5 working days upon the Bank's receipt of the slip.
  2. Do I need to activate my DBS/POSB Card immediately?
    Upon receipt of your Card, we encourage immediate activation to ensure your transactions can occur smoothly so you can enjoy the privileges that comes with the Card.
  3. If I am waiting for a replacement Card with the same Card number, can I continue to use my existing Card?
    Yes, you can continue using your existing Card. Upon receipt of the replacement Card, please activate it immediately.
  4. Does a supplementary Card require activation?
    Yes. Supplementary Cards will also need to be activated by the supplementary Cardholder before use.
  5. I am a principal Cardholder. Can I activate the supplementary Card on behalf of the supplementary Cardholder?
    No. Each Cardholder has to activate his or her own Card.
  6. Can my supplementary Card be activated before I activate my principal Card?
    Yes, the supplementary Card can be activated prior to the activation of the principal Card.
  7. I am currently overseas. How can I activate my Credit Card?
    Any one of the following indicated can be used to activate your Card from overseas:
    1. iBanking
    2. If you have a Telephone PIN, you may call our 24-hours Customer Service hotline at +65 6327 2265 and speak to one of our Customer Service Officers

For Takashimaya Credit Cards only

  1. Will I be able to accumulate Takashimaya Bonus Points if my DBS Takashimaya Card is not activated?
    You can only accumulate Takashimaya Bonus Points when your Card is activated.
  2. Will I be able to redeem my Takashimaya Bonus Points if my DBS Takashimaya Card is not activated?
    You can only redeem your Takashimaya Bonus Points when your Card is activated.
  3. If I replace my DBS Takashimaya Card with a new Card number, will my Takashimaya Bonus Points be transferred to the new Card number automatically?
    In the event that the Card is replaced with a new Card number, Takashimaya Bonus Points will not be transferred from old Card to new Card.
  4. I received my renewed DBS Takashimaya Card. Do I need to redeem my Takashimaya Bonus Points stored in my old Card before using my renewed Card?
    Yes, you will need to redeem your Takashimaya Bonus Points stored in your old Card, before:
    1. the Card expires and
    2. activation of your renewal Card.

    All points unredeemed in the old Card will be forfeited upon expiry date or upon activation of the renewal Card.

If we haven't answered your question here, visit our one-stop guide for all your banking questions at