Which DBS credit cards are there, and what does each one pay? As at November 2026, DBS and POSB list nine main consumer cards: two miles cards (Altitude, Vantage), two points cards for online spend (Woman’s, Woman’s World), and five rebate cards tied to an age band, a merchant group or a membership (Chromo, yuu, POSB Everyday, SAFRA DBS, Esso).
No single card is ahead on every kind of spending. The table below sets out each card’s rate, cap, minimum spend, fee and income requirement so you can match one to where your money already goes.
How We Compared the DBS Credit Cards
Every figure here comes from the card’s own page on dbs.com.sg or posb.com.sg, or from the card’s terms PDF. We list stable terms only: earn rate, cap, minimum spend, annual fee and waiver, and minimum income.
We leave out sign-up gifts and limited-time offers. DBS runs them, they change often, and the card page is the place to see what is current.
We are not paid by DBS or any other issuer. The cards are in the order of DBS’s own list, not ranked.
DBS and POSB Cards at a Glance
Minimum income is for Singaporeans and PRs aged 55 and below. Unless stated, the figure for those aged 56 and above is S$15,000, and for foreigners $45,000.
| Card | Type | Headline earn rate | Cap | Minimum spend | Annual fee and waiver | Minimum income |
|---|---|---|---|---|---|---|
| DBS Altitude (Visa, Amex) | Miles | 1.3 miles per $1 local, 2.2 miles per $1 in foreign currency | None | None | $196.20; first year waived | $30,000 |
| DBS Vantage Visa Infinite | Miles | 1.4 miles per $1 local, 2.2 miles per $1 in foreign currency | None stated | None stated | $599.50 | $120,000 |
| DBS Woman’s World | Rewards | 10X DBS Points (4 miles per $1) online; 3X overseas | First $1,000 of online spend a month | None | $196.20 | $80,000 |
| DBS Woman’s | Rewards | 5X DBS Points (2 miles per $1) online | First $1,000 of online spend a month | None | $163.50; waived with $15,000 yearly spend | $30,000 |
| DBS Chromo (ages 21 to 29) | Cashback | Up to 5% on top two local categories; 1% other local spend | $30 bonus per category, $150 total a month | $500 a month | $196.20; waived for 5 years | $30,000 |
| DBS yuu (Visa, Amex) | Rewards | 5% rebate or 2.8 miles per $1 at yuu merchants; up to 18% or 10 miles | See DBS’s page | $800 a month and 4 merchants for the top rate | $196.20; first year waived | $30,000 |
| POSB Everyday | Cashback | Up to 10% on food delivery, SimplyGo and in-store ringgit spend | Daily$20 a month per category | $800 a month for most categories | $196.20; first year waived | $30,000 |
| SAFRA DBS | Cashback | 3% on local contactless and online; 0.3% other | SAFRA$50 a month | Not stated | None while a SAFRA member | $30,000 |
| DBS Esso | Cashback | Up to 26.2% fuel savings at Esso | Not applicable | $160 nett monthly fuel spend for the $10 rebate | $196.20; first year waived | $30,000 |
DBS also issues Takashimaya co-brand cards that pay voucher rebates at that department store.
Worked Example: Altitude or Woman’s Card
Take an illustrative cardholder who spends $1,200 a month, all in Singapore dollars: $500 online and $700 in shops.
- Altitude: $1,200 × 1.3 = 1,560 miles a month.
- Woman’s Card: $500 × 2 + $700 × 0.4 = 1,000 + 280 = 1,280 miles a month.
- Woman’s World Card (needs $80,000 income): $500 × 4 + $700 × 0.4 = 2,280 miles a month.
On the Woman’s Card, the online share has to pass $675 of that $1,200 before it overtakes the Altitude. Above $1,000 of online spend a month, extra online purchases earn only the base 0.4 miles per $1.
These are before rounding. DBS awards points per transaction on each $5, rounded down, so many small purchases earn a little less than the headline rate.
The short version: DBS’s general miles card is the Altitude (1.3 miles per $1 locally, no cap). Its high-rate cards all carry a ceiling: $1,000 a month online on the Woman’s cards, and monthly dollar caps on Chromo, POSB Everyday and SAFRA.
Who Each Card Does Not Suit
Altitude. Not for someone who wants cash back, or who converts small balances often: each conversion costs $27.25. Our DBS Altitude Card review has the detail.
Vantage. The $599.50 fee is the cost of the lounge visits and hotel membership. If you would not use those, the earn rates are close to the Altitude’s.
Woman’s and Woman’s World. Little use for in-store spend at 0.4 miles per $1. Online spend also excludes a long list, including utilities, insurance, education, hospitals, government payments and e-wallet top-ups. See DBS Woman’s World vs UOB Lady’s Card.
Chromo. Only applicants aged 21 to 29 are eligible, and the bonus needs $500 of monthly spend. DBS’s page says the rates change from the fourth month after your 30th birthday.
yuu, POSB Everyday, SAFRA, Esso. Each depends on spending with particular merchants or meeting an $800 monthly threshold. Spending more to reach a threshold is not a saving.
For cross-bank lists, see our best cashback credit cards and best air miles credit cards pages, or start from the credit cards hub.
How DBS Points Work
Most DBS cards earn DBS Points, awarded on each $5 spent.
- Value in miles: 1 DBS Point = 2 miles with KrisFlyer or Asia Miles, converted in blocks of 5,000 points (10,000 miles). AirAsia points convert in blocks of 500 DBS Points for 1,500 points.
- Conversion fee: $27.25, including GST, for each conversion.
- Expiry: DBS’s rewards FAQ says points expire one year from the end of the quarter in which they were earned. The Altitude and Chromo terms say points on those cards do not expire.
- Not DBS Points: POSB Everyday pays Daily$, SAFRA DBS pays SAFRA$, and the yuu card pays yuu Points.
A one-year expiry matters on the Woman’s cards. At 2,000 points a month, it takes three months to fill one 5,000-point block. To put a dollar value on the miles, use our cashback vs miles calculator or read cashback or miles: how to decide.
Annual Fees, Waivers and Other Costs
Most DBS and POSB cards charge $196.20 a year, including GST, with the first year waived. The exceptions on DBS’s pages:
- Altitude: the terms say the automatic waiver for $25,000 of yearly spend ceased from 1 August 2026. When the fee is charged, DBS credits 5,000 points (10,000 miles), and reverses them if the fee is later waived.
- Woman’s Card: the fee is waived for the following year if you charge at least $15,000 in a year.
- Chromo: waived for five years.
- SAFRA DBS: no annual fee while you remain a SAFRA member.
DBS’s rewards FAQ says DBS Points can also be redeemed to waive an annual fee, if you redeem a month before the fee is due.
Foreign currency spend costs 3.25% on Visa, Mastercard and American Express cards, per DBS’s fee guide. Our guide to overseas card fees and dynamic currency conversion explains how that adds up.
The largest cost is interest. DBS’s card pages state finance charges of 27.8% a year, charged daily, and a $100 late fee. MoneySense explains how interest applies once a bill is not paid in full. No reward rate on this page comes close to covering it.
What To Do Next
- Add up three months of your own card spending by type: online, in-store, foreign currency, petrol, groceries.
- Check each shortlisted card’s page for its current terms. Offers and rates change, and the bank’s page is the authority.
- If you collect points, note the expiry date and the 5,000-point conversion block before you start.
- If you are carrying a balance, clear it first. Our debt payoff calculator shows how long that takes at your repayment amount.
