SAFRA DBS Card

At a Glance

Earn up to 3% cash rebates

When you spend online or use contactless payment.

Get exclusive deals at 1,800 merchants

Plus, earn SAFRA$ and SAFRAPoints for your purchases at participating merchants.

Enjoy SAFRA member privileges

And get access to all SAFRA Clubhouses and facilities.

Limited period sign-up bonus:
New SAFRA DBS Credit Cardmembers enjoy complimentary additional 2 Years SAFRA Membership.Apply nowTo apply through your digibank mobile app:
Launch digibank app, login, select More > Apply > Cards.

Features & BenefitsAlready a SAFRA member? With your SAFRA DBS Card, you get cash rebates in addition to your existing SAFRA membership benefits. Cash rebates are earned as SAFRA$. Every SAFRA$1 earned is equivalent to S$1.Here’s how, spend at least S$500 a month and earn cash rebates for these spend categories:


Local MasterCard Contactless Transactions (including SimplyGo rides)	3% cash rebates
Online Transactions	3% cash rebates
All Other Retail Transactions	0.3% cash rebates
Cap on SAFRA$	SAFRA$50 per month
Terms and conditions	For full list of terms and conditions, see SAFRA$ Cash Rebate Programme Terms and Conditions.

SAFRA member privileges

SAFRA Clubhouse and facility access

Get exclusive access to all 7 SAFRA Clubhouses and facilities at:

SAFRA Choa Chu Kang
SAFRA Jurong
SAFRA Mount Faber
SAFRA Punggol
SAFRA Tampines
SAFRA Toa Payoh
SAFRA Yishun

Note: Separate charges may apply to access facilities.

Earn SAFRAPoints

1 SAFRAPoint for every S$1 spent, in addition to SAFRA$ earned
At participating outlets and facilities at SAFRA clubhouses
Redeem SAFRAPoints for a wide range of products, services, and vouchers

Find out about more about SAFRAPoints.

Exclusive discounts and perks

Enjoy exclusive deals at over 1,800 merchants with your SAFRA DBS Card.

How to save SAFRA$Maximise your savings with SAFRA$, here’s how:
Meet Alex, he’s a SAFRA member and has been using his SAFRA DBS Card to pay for his daily expenses. Every month, he spends at least S$500 on his card. These are what he’s spent on:

	Card spend	Cash rebate	Cash rebate amount
Groceries at Cold Storage	S$100	3%	SAFRA$3
ANDES by ASTONS at SAFRA Toa Payoh	S$90	3%	SAFRA$2.70
Scoot air tickets	S$500	3%	SAFRA$15
Concert tickets from SISTIC	S$380	3%	SAFRA$11.40
Movie tickets from Shaw	S$20	3%	SAFRA$0.60
Bus and train rides using SimplyGo	S$80	3%	SAFRA$2.40
All other spends including non-contactless and non-online purchases	S$500	0.3%	SAFRA$1.50
Total	S$1,670		SAFRA$36.60 (Capped at SAFRA$50)

How to redeem SAFRA$
Instant redemption

Offset your purchases instantly at all SAFRA Clubhouses and their participating merchants

Redeem as cash credits

Log into digibank online

Redeem SAFRA$ as cash credits to offset your credit card bill

Redeem as miles

Log into digibank online

Redeem SAFRA$ as KrisFlyer miles, in blocks of 10,000 KrisFlyer miles

Every SAFRA$245 can be converted to 10,000 KrisFlyer miles

An administrative fee of S$27.25 (inclusive of GST) applies for each conversion

PromotionsLimited period sign-up bonus:Sign up for SAFRA DBS Credit Card and get Complimentary Additional 2 Years SAFRA Membership!
Promotion ends 31 Aug 2025. Read SAFRA DBS Card Promotion Terms and Conditions for more details.

Eligibility & Fees

Who can get this card?

Age

Must be 21 or older

Minimum income

Singaporeans/PR: S$30,000 p.a. (<55 years old) or S$15,000 p.a. (56 years and above)

Foreigners: S$45,000 p.a.

Membership needed

You must be a SAFRA member.

What fees are there?

Annual fee

None, as long as you remain a SAFRA member (SAFRA membership fee applies).

Late fee

S$100 if your outstanding balance is more than S$200

Finance charges

27.8% p.a. is chargeable daily (subject to compounding)

Full list of fees

All fees shown here include GST. For full list, read our DBS Cards - Rates and Fees.

Documents requiredRefer to our Card Application Checklist on the documents required.

Apply now

Limited period sign-up bonus:
New SAFRA DBS Credit Cardmembers enjoy complimentary 2 Years SAFRA Membership.

SAFRA DBS Card

Apply now

To apply through your digibank mobile app:
Launch digibank app, login, select More > Apply > Cards.

Terms and conditions

DBS Cards – Terms & Conditions on the use of DBS cards.

SAFRA$ Cash Rebate Programme Terms and Conditions on the use of SAFRA DBS Card.

SAFRA DBS Card Promotion Terms and Conditions on new DBS/POSB Cardmember promotion.

Get more benefits with DBS PayLah! App

Maximise your Card Rewards

Book rides, order meals, take part in spend & win promotions for sure-win gifts, and more! Get S$5* credited into your PayLah! Account when you download and register with promo code ‘JOINLAH’.