At a Glance

Enjoy 3% cash rebate on your local Mastercard contactless transactions and online shopping! Plus, you get 0.3% cash rebate on all other retail transactions.

Apply now

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

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New feature! - Enjoy less hassle and skip the need to provide income documents when you retrieve your personal information via Myinfo with Singpass.

Click here for important notes

Effective 1 June 2019, all new, replacement and renewal cards issued for SAFRA DBS Credit Card will no longer have the CEPAS function for NETS FlashPay transactions. You may use your new card for public transit. The fares will be charged directly to your credit card upon usage. No top-ups or reloads required; just pay for the ride with your card. If you wish to track your journey and fare history, register for a SimplyGo account or download the TransitLink mobile application.

Click here for FAQs

Click here for Important Notes for SAFRA DBS Credit Cardmembers


Up to 3% cash rebate

Simply spend a min. of S$500 in a calendar month to qualify for:

  • 3% cash rebate* on your local Mastercard contactless transactions (including bus/train rides via SimplyGo);
  • 3% cash rebate* on online transactions; and
  • 0.3% cash rebate* on all other retail transactions

Here’s how you can save more!
To enjoy greater savings, simply consolidate your monthly purchases on your SAFRA DBS Credit Card! Your cash rebate will be issued in the form of SAFRA$. SAFRA$1 is equivalent to S$1.




Amount Spend


Total Rebate in SAFRA$
(round up to 2 decimal points)

Groceries from Cold Storage





Astons at SAFRA Toa Payoh




2.70 air ticket




15.00 concert ticket




11.40 movie ticket





Bus/Train rides





All other retail spend





Total spend this month


Total savings this month


*SAFRA DBS Credit Cardmembers will receive 3% cash rebate on Contactless (”Contactless”) and Online (”Online”) transactions and 0.3% on all other transactions, when a minimum spend of S$500 is made within a calendar month. Cash rebates earned will be in the form of SAFRA$, and is capped at a maximum of SAFRA$50 per Card account per calendar month. Click here for full terms and conditions.

Ways to redeem your SAFRA$ cash rebates

  1. Instant redemption:
    Simply offset your purchases on the spot at 6 SAFRA Clubs and participating merchants islandwide.

  2. Online redemption:
    Login to internet banking to offset your credit card bill or redeem for KrisFlyer miles.

    * KrisFlyer miles will be available for redemption via iBanking in blocks of 10,000 KrisFlyer miles and is based on the conversion rate of 245 Loyalty Dollars = 10,000 KrisFlyer miles. Each conversion is subjected to an administrative fee of S$25 (before GST) and shall be charged to the respective DBS SAFRA Credit Card. Terms and conditions apply.


SAFRA Membership Privileges

Exclusive access to 6 SAFRA Clubhouses islandwide: enjoy access to club facilities* including swimming pools, gyms, and entertainment facilities at any of the 6 SAFRA Clubhouses

*Separate charges may apply.

Every dollar spent at participating outlets and facilities at SAFRA earns you 1 SAFRAPOINT, on top of the Credit/Debit cash rebates. The rewards programme also offers a wide range of attractive products, services and vouchers from which you can choose your redemption item from. Click here to find out more.


Benefits & Privileges

Tap and Pay with Mastercard contactless
Simply tap and pay for your purchases of S$100 and below, at over 30,000 merchant outlets. No signature required!

Tap and SimplyGo!
No more top-ups and skip the queues for your bus/train rides!

All-in-one Card
You may also link your card to your Savings Account and use as your ATM Card.

Exclusive benefits at over 1,800 merchant outlets: combining both DBS and SAFRA privileges gives you a huge range of discounts and perks at over 1,800 merchant outlets. Full listing of SAFRA’s privileges


Eligibility & Fees

Age 21 years and above
Eligibility Applicant must be an existing SAFRA member.

DBS’ approval of your application for the SAFRA DBS Card and/or DBS’ issuance of the SAFRA DBS Card to you is subject to you maintaining your SAFRA membership. Existing SAFRA members whose Card applications which DBS has not approved, shall be issued the SAFRA Membership Card.
Income S$30,000 and above per annum (Singaporean and PR)
Annual Fees No annual fee, so long as you remain a SAFRA member. SAFRA membership fee applies. Click here for more details.

Annual Fee Waiver

1 year

Late fee

S$100 (For outstanding balance above S$200)

Finance Charges

26.80% p.a. chargeable on daily basis (subject to compounding)

DBS Cards – Terms & Conditions apply.

DBS Cards - Rates and Fees



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