At a Glance

Enjoy up to 5% cashback all year round when you shop and dine.

The DBS UnionPay Platinum Debit Card offers you unmatched privileges and rewards. With acceptance at millions of merchants worldwide and no ATM fee for overseas cash withdrawals, it’s the seamless way to pay in Singapore and Mainland China.

With 5% cashback on all spend in Chinese Yuan (CNY), 1% cashback on all other foreign currency spend and 0.5% cashback on all local spend, the DBS UnionPay Platinum Debit Card takes you places, and rewards you for it.

If you already have an DBS UnionPay Platinum Debit Card, we won’t be issuing a new card to you.

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

Up to 8% cashback on foreign currency spend

On top of the usual up to 5% cashback on your foreign currency spend, you can now get additional 3% cashback when you register for the Foreign Currency Spend Promo on PayLah! app and meet your personalised spend goal! Valid from 1 Jun to 30 Nov 2022 and for the first 20,000 registrations. Other T&Cs apply.


Features & Benefits

1% cashback^ for Overseas Spend

Earn up to 5% Cashback!1

  • 5% Cashback on any spend in Chinese Yuan (CNY)
  • 1% Cashback on any other foreign currency
  • 0.5% Cashback on any local spend

Spend a minimum of S$400 with UnionPay per month to qualify. Cashback capped at $50 per month

24 million Merchants & 210,000 ATMs

ATM Fee waiver on cash withdrawals overseas2

Enjoy greater savings abroad with S$7 ATM fee waivers on your cash withdrawals overseas.

24 million Merchants & 210,000 ATMs

Over 35 million merchants & 2 million ATMs

Convenience is at your fingertips with our global network of merchants and ATMs in China and beyond3.

Exclusive merchant deals in Singapore and China

Exclusive merchant deals globally

Experience exclusive offers globally with UnionPay Global Privileges, such as complimentary hotel upgrades, dining and recreational offers.
Click here for more details.

Enjoy up to 10% off shopping and dining merchants at over 100 airports worldwide.
Click here for more details.

24-hour Concierge

24-hour Concierge

You'll have the convenience of a 24-hour UnionPay Concierge service for shopping, dining, as well as medical and travel assistance. For more details, contact our Concierge hotline at +65 6336 4506 or click here.

Contactless Payment with UnionPay QuickPass

Contactless Payment with UnionPay QuickPass

Pay securely for purchases of S$100 and below without any signature, by holding your card on a contactless reader.

Contactless Payment with NETS FlashPay

Tap and pay with FlashPay for rides on MRT/LRT/Buses and taxis with FlashPay acceptance. You can also use it for ERP gantries and selected car parks and enjoy convenience in payment at over 87,000 acceptance points.

1Visit here for the full Terms and Conditions. The eligible cashback will be credited to your DBS UnionPay Platinum Debit Card the following month. Purchases are directly deducted from your bank account. There are potential risks of unauthorised signature-based, contactless or card-not-present transactions. Subject to the DBS Debit Card Agreement, the maximum liability for unauthorised transactions not due to your negligence is S$100. Please allow up to 14 days to process refunds. DBS reserves the right to claw-back the cashback amount without prior notice if it reasonably determines that the customer is not eligible for the cashback, including where the cashback was awarded due to an error, the transaction is cancelled or the transaction is not a retail spend. If the Card and/or primary account is terminated at any time, for any reason, whether by the Cardmember or DBS, any cashback earned will not be credited to the Cardmember’s account. Debit Card Agreement and Terms and Conditions Governing Accounts apply, which can be found at

2Cash withdrawal charges by acquiring bank of the overseas ATMs may apply.

3Important Note: The full acceptance of UnionPay and NETS payment functions (including POSB Cash-Point service) on DBS UnionPay Platinum Debit Card will be progressively made available at the following merchants. Merchants include: ABC bargain centre, Bee Cheng Hiang, Big Box, Challenger, CK Tangs, Cold Storage, DFS, Gardens by the Bay, Guardian, Han's, H&M, Jurong Bird Park, Metro, Muji, NTUC Unity, QQ House, Resort World Sentosa, Singapore Pools, Singapore Zoo, Starbucks, Takashimaya, Uniqlo and Watson's. Please visit this website for further updates.


Eligibility & Fees


At least 16 years old and have a POSB Savings Account, DBS Savings Plus Account, DBS Autosave Account or DBS Current Account.

Annual Fee



More Info

Card Usage Limits
The default daily limits set on your NETS Transactions, ATM Withdrawals and Debit Card Spend Transactions are set at S$5000, S$3000 and S$2000 respectively.

To find out what are the current daily spend/NETS/withdrawal limits on your debit card and to revise these limits, you may do so via iBanking, under 'Cards > Change Debit Card Limit'.

Disabling Contactless transactions on your DBS/POSB Debit Card(s)
If you prefer to only use your Visa, MasterCard or UnionPay Debit card(s) for PIN-based NETS and ATM transactions and would like to disable the contactless feature, you may set your debit card limit to $0 via digibank Online or Mobile. Changing the limit for your Debit Card Spend Transactions will not affect your PIN-based NETS and ATM transactions.

Overseas Use of Magnetic Stripe on your DBS/POSB Card
If you have allowed the overseas use of magnetic stripe on your DBS/POSB Card(s), it is recommended that you set the magnetic stripe on your card(s) to disallow overseas use when you are in Singapore. With the magnetic stripe disabled for overseas use, the risk of unauthorised transactions being effected on the card will be reduced.

You may disallow overseas use of the magnetic stripe on your card(s) by sending the following SMS to 77767: Disable <space> overseas <space> card’s last 4 digits. (For example: Disable overseas 1234, where 1234 is the last 4 digits of your card number). You may also disallow the magnetic stripe on your card(s) via iBanking/digibank or any DBS/POSB ATM in Singapore.

Visit for more details.

Useful Links
Change ATM Card Limit
Change Debit Card Spending limit
Overseas Withdrawal charges

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