DBS Live Fresh Card — Up to 6% Shopping & MRT / Bus
Earns up to 6% on shopping & online, up to 6% on transport, and up to 3.6% on foreign currency — on the max tier. Use the simulator to see your projected annual cashback.
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| Category | Effective rate | Cashback |
|---|---|---|
| Shopping & online | 6% | S$36 |
| All other categories (base rate) | 0.3% | S$5 |
| Monthly cashback | S$41 | |
| Annual cashback | S$486 | |
Get a Samsonite 28” luggage set (worth S$740) or S$288 cashback with promo code SAMDBS or CASH288.
Show termsHide terms
Valid for New Cardmembers only. Apply with promo code SAMDBS for luggage or S$288 cashback with promo code: CASH288. Spend a minimum of S$800 within 60 days from card approval, and have a valid DBS PayLah! account by the end of the Qualifying Spend period.
The information above is a summary and may be incomplete or outdated. Always refer to DBS's official terms and conditions for the authoritative version.
Terms and conditionsopen_in_new
Applyopen_in_new- •0.3% base rate on all eligible spend
- S$800+/mo tier:
- •6% on Shopping & online (capped at S$50/mo) — Shopping spend.
- •6% on Transport (capped at S$20/mo) — MRT/Bus or Taxi.
- •3.6% on Foreign currency (capped at S$50/mo) — On in-store overseas spend at selected Asia destinations. (South-East Asia: Brunei, Cambodia, Indonesia, Laos, Malaysia, Myanmar, Philippines, Thailand and Vietnam. East Asia: China, Hong Kong, Japan, Mongolia, South Korea and Taiwan)
- •Uncapped — no monthly cap on total cashback earned
- •Annual fee: S$196.20 (First year waived)
Crossing a monthly-spend threshold unlocks better rates — base and bonus categories can both shift.
- 24/7 Visa Concierge
Access to personal 24/7 Visa concierge with a curated range of services, amenities and exclusive privileges.
- My Preferred Payment Plan (MP3)
Split purchases over S$100 into 3-month instalments with 0% processing fee and 0% interest.
- Annual fee
- S$196.20First year waived
- Foreign currency transaction fee
- 3.25%
- Late payment fee
- S$100
- Purchase interest rate (p.a.)
- 27.8%
- Cash advance interest rate (p.a.)
- 28.5%
- Cash advance service charge
- S$15 or 8% of amount withdrawn, whichever is greater
- Minimum payment
- 3% of statement balance or S$50
- Interest-free period
- 25 days
- Min. income (Singapore Citizen / PR): S$30,000
- Min. income (Foreigner): S$45,000
- Minimum age: 21
Show eligibility detailsHide eligibility details
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.
- •Earns 6% cashback on shopping and online spend when monthly spend reaches S$800.
- •Earns 6% cashback on transport (MRT/Bus or Taxi) when monthly spend reaches S$800.
- •Earns 3.55% cashback on in-store overseas spend at selected Asia destinations (covering South-East Asia and East Asia countries) when monthly spend reaches S$800.
- •Annual fee of S$196.20 is waived in the first year.
- •Purchases over S$100 can be split into 3-month instalments at 0% processing fee and 0% interest via the My Preferred Payment Plan (MP3).
- •The 6% cashback rate on shopping and online spend is capped at S$50 cashback per month.
- •The 6% cashback rate on transport is capped at S$20 cashback per month.
- •Elevated cashback rates across all tiers require a minimum monthly spend of S$800; spend below this threshold earns only the base cashback rate of 0.3%.
- •Foreign currency transactions incur a fee of 3.25% of the transaction amount.
- •The overseas cashback benefit is restricted to in-store spend at selected destinations in South-East Asia and East Asia only; other regions are excluded.
About the DBS Live Fresh Card
The DBS Live Fresh Card is a tiered cashback card from DBS. Base-tier earning is 0.3% on every eligible dollar. At its top qualifying tier (S$800/mo+), the card reaches up to 6% on shopping & online, 6% on transport, and 3.6% on foreign currency. Singapore cashback cards with spend tiers reward consistent monthly spending — falling short of a tier threshold drops earning back to the previous tier's rates for that statement cycle. The annual fee is S$196.20 (First year waived). Terms and conditions apply.
Cashback breakdown
At the base tier, the DBS Live Fresh Card earns 0.3% on every eligible dollar. From S$800/mo qualifying spend, the card earns 6% on shopping & online, 6% on transport, and 3.6% on foreign currency.
Where this card earns the most
The DBS Live Fresh Card is built for consolidated monthly spend — its bonus rates only activate once qualifying spend crosses a tier threshold. At its peak tier (S$800/mo+), the calculator returns higher projected monthly cashback for shopping & online, transport, and foreign currency spend than for cards without those bonuses. Below the lowest tier (S$800/mo), every eligible dollar earns the 0.3% base rate.
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Frequently asked questions
Is the DBS Live Fresh Card worth it?
The DBS Live Fresh Card earns 0.3% cashback on general spend and up to 6% on shopping & online and 6% on transport, with a S$196.20 annual fee (First year waived). Bonus rates require at least S$800 in monthly spend and individual bonus categories are capped each month. Its value depends on how much of your spending falls into those categories — project your cashback with the calculator above.
Who is the DBS Live Fresh Card for?
The DBS Live Fresh Card suits online shoppers, daily commuters, and overseas spenders — it earns up to 6% on shopping & online, 6% on transport, and 3.6% on foreign currency. Spending spread across other categories may earn more on a different card.
How much cashback does the DBS Live Fresh Card earn?
The DBS Live Fresh Card has 2 earning tiers in total. At the base tier, every eligible dollar earns 0.3%. From S$800/mo qualifying spend, the card earns 6% on shopping & online, 6% on transport, and 3.6% on foreign currency.
Is there a minimum monthly spend?
There's no single minimum spend — the DBS Live Fresh Card upgrades its earning rates as your monthly spend crosses each tier threshold. At S$800/mo+ the card unlocks 6% on shopping & online, 6% on transport, and 3.6% on foreign currency. Below the lowest tier, the card earns the base 0.3% rate.
What is the annual fee?
S$196.20, First year waived.
Are these rates guaranteed?
No. Banks update cashback rates, category caps, and minimum-spend requirements regularly. The numbers on this page reflect rates verified as of June 2026, not guarantees of future earnings. Terms and conditions apply.
Figures are estimates based on the spending you entered, assumed steady across the year, using standard Merchant Category Code (MCC) classifications and each issuer’s published rates. Monthly caps, annual fees and minimum-spend requirements are shown on every row and factored into the projections. Not modelled: promotional sign-up bonuses, merchant-specific exclusions, fee waivers beyond the first-year window shown, and future rate changes by issuers. First-year figures assume a new cardholder eligible for introductory rates; ongoing figures reflect post-introductory rates. Standard merchant coverage estimates are based on Singapore market share; you can adjust them in the settings above.
Actual earnings depend on your eligibility and each bank’s current terms, which may differ from the figures shown here — always verify with the issuer before applying.