Compare DBS Cashback Credit Cards
1 DBS Bank cashback card ranked side-by-side at your monthly spend.Last updated May 2026
Note: Projections are estimates based on standard Merchant Category Codes (MCCs) and currently published bank rates. Actual earnings may vary due to bank-specific exclusions or rate changes. This tool is for informational purposes and is not financial advice. Data updated as of May 2026.
Note: Projections are estimates based on standard Merchant Category Codes (MCCs) and currently published bank rates. Actual earnings may vary due to bank-specific exclusions or rate changes. This tool is for informational purposes and is not financial advice. Data updated as of May 2026.
Cashback figures are estimates based on the spending you entered, assumed steady across the year and within each issuer’s eligible-transaction definitions. Each card’s monthly cashback cap, annual fee and minimum monthly spend are displayed on every row and factored into the ranking shown. Promotional sign-up bonuses, first-year fee waivers (beyond the configured first-year window) and merchant exclusions are not modelled. SGfi is an educational platform and is NOT a licensed financial advisor under the Monetary Authority of Singapore (MAS). We do not accept payment for placement — rows are ordered strictly by the sort you choose.
About DBS Bank's cashback cards
DBS has the largest local customer base, cards range from the everyday-spend Altitude and Live Fresh to the bonus-cap Woman's World card with 4 mpd on online spend. This page filters the full SGfi cashback-card comparison to just DBS's lineup, with the same calculator-based ranking, identical published rates and caps, and the same projected-cashback formula applied across cards. Use the bank chips above to widen the comparison to other issuers.
SGfi tracks 1 DBS cashback card in this comparison: DBS Live Fresh Card. Across the lineup, all carry an annual fee of S$196.20, every card has a base rate of 0.3%, and top category bonuses reach 6% on eligible spend. Use the input sidebar to rank the card by projected annual cashback at your monthly spend profile.
How cashback is calculated
Card rankings on this page are dynamically calculated using the latest 2026 cashback metrics, category spending caps, minimum income thresholds, and active annual fees sourced from official banking portals in Singapore. The system projects estimated monthly and yearly cashback returns by parsing your configurable monthly spend across common categories (e.g., dining, travel, local retail) against each card's unique matrix. Spending limits are factored into the calculation algorithm to provide realistic projections. These projections are for illustrative purposes only and do not constitute financial advice.
Card summary table
Flat reference of every cashback card included on this page. Tap a card name to open its full review.
| Card | Issuer | Base rate | Top bonus | Annual fee | Min spend |
|---|---|---|---|---|---|
| DBS Live Fresh Card | DBS | 0.3% | 6% | S$196.20 | S$800 |
Frequently asked questions
Which DBS cashback credit cards does SGfi compare?
SGfi currently compares 1 DBS Bank cashback card: DBS Live Fresh Card. Each is ranked by projected annual cashback at the monthly spend you enter on the calculator above.
Which DBS cashback card has the lowest annual fee?
The DBS Live Fresh Card has the lowest annual fee at S$196.20 per year among the DBS cashback cards SGfi tracks. Annual fees may be waived for the first year — check the row detail for each card.
Which DBS cashback card has the highest base rate?
The DBS Live Fresh Card has the highest base rate at 0.3%. Some other DBS cards may earn more on category bonuses — see the comparison summary table on this page for the full rate breakdown.
What is the minimum monthly spend for DBS cashback cards?
Every DBS cashback card SGfi tracks requires a minimum monthly spend to earn at the headline rate. DBS Live Fresh Card has the lowest threshold at S$800 per month; the highest in the lineup is S$800.
What are the cashback cap and minimum spend on the DBS Live Fresh Card?
The DBS Live Fresh Card earns 6% on online and retail shopping and on public transport, but combined cashback is capped at S$70 per month. You must also spend at least S$800 in a month to qualify — fall short of that minimum and all spend for the month earns only the 0.3% base rate.
How do monthly cashback caps work?
Most Singapore cashback cards limit how much cashback you can earn per month — either per category or in total. Once the cap is reached, additional spend in that category earns the base rate or no further cashback for the month.
What counts as eligible spend?
Banks typically exclude insurance premiums, education, government payments, charitable donations, and certain utility bills. Check each card's exclusion list before relying on the projected cashback.
What happens if I do not meet the minimum monthly spend?
Cards with a minimum spend requirement fall back to a lower rate (often around 0.2% to 0.3%) for the month if you do not hit the threshold. The calculator applies this fallback automatically.
How does the annual fee waiver work?
Some cards waive the annual fee from year two onwards if you spend above a certain annual amount.
Are these rates guaranteed?
No. Banks change cashback rates, caps, and eligible categories regularly. The numbers shown are projections based on rates verified at the date noted, not guarantees of future earnings.
Last verified: May 2026
SGfi is for educational purposes and does not constitute financial advice. Please consult a licensed professional before making financial decisions. SGfi may receive compensation from partners featured on this site.
All cashback values are projections based on published bank rates as of May 2026. Actual cashback earned depends on eligibility, exclusions, and rate changes by the issuing bank.