DBS Live Fresh Card

At a Glance

Enjoy zero FX fees on your in-store overseas spend

at your favourite destinations in Asia from Japan, Malaysia, Thailand, Korea, Indonesia and more (capped at S$50 cashback)

Treat yourself with up to 6% cashback

on shopping and daily rides.

Enjoy 0.3% unlimited cashback

on All Spend.

Limited time sign-up bonus:
New to DBS/POSB Cardmembers can enjoy S$300 cashback with promo code: ‘CASH300’.Apply nowTo apply through your digibank mobile app:
Launch digibank app, login, select More > Apply > Cards.

Features & Benefits

Don't just live, live fresh! You can now enjoy zero FX fees as you shop, dine and explore your favourite destinations in Asia - with 3.25% cashback covering your FX fees (capped at S$50). Plus, get up to 6% cashback on shopping and daily rides, and 0.3% unlimited cashback on every eligible spend.How do I enjoy zero FX fees and get 6% cashback?
Ready to live fresh? Simply spend at least S$800 on your DBS Live Fresh Card per calendar month to earn base cashback, as well as additional cashback on In-store Overseas Spend, Shopping and Transport Spend.


In-store Overseas Spend (Effective from 1 Apr 2025)	Zero FX Fees (offset by 3.25% cashback, capped at S$50 per calendar month) on overseas point-of-sale transactions at selected Asia destinations, which include: South-East Asia: Brunei, Cambodia, Indonesia, Laos, Malaysia, Myanmar, Philippines, Thailand and Vietnam. *East Asia:* China, Hong Kong, Japan, Mongolia, South Korea and Taiwan Find out more
Shopping Spend	Additional 5.7% cashback Capped at S$50 per calendar month
Transport spend	Additional 5.7% cashback Capped at S$20 per calendar month
All Card spend	0.3% unlimited cashback No minimum spend required
DBS Payment Plan	0% processing fee, 0% interest on 3-month instalment Split purchases over S$100 on your DBS Live Fresh Card, including your shopping spend, into 3-month instalment via My Preferred Payment Plan (MP3) at no fee! Apply via digibank > More > Pay By Instalments today. Find out more

How to maximise your cashback?Here’s how:Meet Jane – she travelled to Bangkok, Thailand this month! From trip preparation to exploring the city, she spent at least S$800 to earn 6% cashback on her shopping and transport spend and zero FX fees (offset by 3.25% cashback; capped at S$50) on her in-store overseas spend.

Capped at S$50 each per calendar month for In-store Overseas Spend and Shopping Spend, and S$20 per calendar month for Transport Spend. Terms and conditions apply.Terms and Conditions Governing the DBS Live Fresh Card Zero FX Fees on In-store Overseas Spend PromotionFAQsTerms and Conditions Governing the DBS Live Fresh Card Cashback Programme

PromotionsLimited time sign-up bonus:
There’s no better time to start living fresh than now. Sign up today with promo code: ‘CASH300’ and enjoy a limited-time bonus of S$300 cashback with your DBS Live Fresh Card!

Exclusively for customers aged 21 to 29 years old:
From now till 30 Jun 2025, simply switch your salary credit to DBS/POSB and unlock a guaranteed S$300 cash reward. Plus, apply and spend with DBS Live Fresh Card to get up to an additional S$450 cashback.

Switch, spend & score up to S$750

1-for-1 Deals

Brotzeit German Bier Bar & Restaurant

1-for-1 Main Course: Fladen, Sausages, Pork Knuckle, Schnitzel and Classics

Valid till 31 Dec 2025. T&Cs apply.

Find out more

Café Mosaic (Carlton Hotel Singapore)

1-for-1 Weekday Lunch Buffet*
1-for-1 Seafood Dinner Buffet^ (Thu to Sat)
1-for-1 Seafood Lunch Buffet^ (Sun)

Valid till 30 Dec 2025. T&Cs apply.

Find out more

Grin Affair

1-for-1 Double Scoop Gelato with Waffles + Drinks Set (Coffee/Tea)

Valid till 31 Dec 2025. T&Cs apply.

Find out more

Wheeler's Tropikana

1-for-1 Buttermilk Fried Chicken Burger

Valid till 30 Jun 2025. T&Cs apply.

Find out more

Click here for more interesting 1-for-1 deals!

More Fresh Deals

DBS Half-priced Holidays

50% off travel bookings every day of the week, on Trip.com, Expedia, Cathay Pacific and more!

Valid till 30 Jun 2025.

Individual promotions terms and conditions apply.

Learn More

Resorts World Cruises

Additional 5% off bookings with no discount cap, stackable with ongoing promotions

Promo Code: DBS5OFF

Booking Period: 16 Jan 2025 till 31 Dec 2025
Travel Period: Applicable to any available sailing dates at point of booking, with exception of blackout dates

Learn More

Traveloka

Up to 8% off sitewide

Booking Period: 1 Jan 2025 till 31 Dec 2025
Travel Period: 1 Jan 2025 till 31 Dec 2025

Learn More

AirAsia

S$20 off with min. spend of S$250 to selected destinations

Promotion Period: 10 Feb 2025 till 31 Dec 2025
Travel Period: 10 Feb 2025 till 31 May 2026

Promotion Period: Every Thursday, from 20 Jan 2025 till 30 Jun 2025
Travel Period: 20 Jan 2025 till 31 Dec 2025

Learn More

Qatar Airways

Up to 10% off flight bookings

Promo Code: DBSQR25

Promo codes to be released weekly every Monday at 12pm, limited redemptions only.

Promotion Period: 1 Apr 2025 till 30 Sep 2025
Travel Period: 1 Apr 2025 till 31 Dec 2025

Learn More

24/7 Visa Concierge
Keep things fresh with your personal 24/7 Visa concierge with a curated range of services, amenities and exclusive privileges.

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.

What fees are there?

Annual fee

Principal Card: S$196.20
Supplementary Card: S$98.10 per card

Annual fee waiver

1 year

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 using Singpass to enjoy instant card approval. Check that your required income details are available on Myinfo before you start your application.

Apply nowLimited time sign-up bonus:
New to DBS/POSB Cardmembers can enjoy S$300 cashback with promo code: ‘CASH300’.

DBS Live Fresh Card

Apply now

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

How can I rack up cashback with my DBS Live Fresh Card?

Simply spend at least S$800 on your Card to earn the Bonus Rewards of up to S$120 on your Shopping, Transport and In-store Overseas Spend for each month.

What happens if I do not meet the minimum spend requirement of S$800?

You will still earn the Base Rewards of 0.3% cashback on your eligible All Spend.

What happens if I make a refund?

Refunded transaction will be deducted from the Minimum Spend Requirement and excluded in the computation of your cashback.

When will I receive my cashback?

Your cashback will be credited to your Card Account (that is in good standing) by the end of the following calendar month.

Example: The cashback earned for your spending made in the calendar month of March will be credited to your Card Account by end of April.

How can I find out the merchant category of the posted transactions I made on my credit card account?

You may check the merchant category of the posted transactions via DBS digibot:

Step 1: Click on the digibot icon located at the bottom right of this page
Step 2: Click on Check Recent Transactions > Check Transactions and followed by Proceed to Check Recent Transactions
Step 3: Click on Authenticate me
Step 4: Complete the authentication using either your iBanking Login or Card & PIN
Step 5: Select Credit Cards > Select the Credit Card you wish to enquire on and click on View Transaction History
Step 6: Select the type of transactions (Unbilled Transactions / Billed Transactions) you would like to enquire on

Terms and conditionsRefer to

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

DBS Live Fresh Card Cashback Programme Terms and Conditions on the use of this card.

Terms and Conditions Governing the DBS Live Fresh Card Zero FX Fees on In-store Overseas Spend 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’.

Download now

*For full terms and conditions, click here.
Monies in DBS PayLah! are a deposit. SGD deposits are insured up to S$100k by SDIC.