POSB Everyday Card — Up to 10% on Transport & Food Delivery
POSB Everyday Card earns up to 10% on food delivery, up to 10% on bus / mrt, up to 10% on in-store spend in malaysian ringgit, up to 6% on petrol at spc, up to 5% on dining out, up to 5% on online shopping, up to 5% on sheng siong, and up to 3% on pet lovers centre — on the max tier. Enter your monthly spending to see the projected annual cashback it earns for you. Rates as of 23 Jul 2026
chevron_rightTo all Cashback Cards
| Category | Effective rate | Cashback |
|---|---|---|
| Food Delivery· 20% of dining | 2% | S$6 |
| Dining Out· 80% of dining | 4% | S$12 |
| Sheng Siong· 15% of groceries | 0.75% | S$2 |
| Online Shopping· 67% of shopping & online· capped | 3.3% | S$20 |
| All other categories (base rate) | 0.3% | S$4 |
| Monthly cashback | S$44 | |
| Annual cashback | S$523 | |
Merchant coverage applied — tune the percentages in “Adjust merchant coverage” under Your monthly spending.
For dining spend, this card stacks more than one rule — the calculator earns at the highest applicable rate first and only rolls any leftover (after that rule's cap) into the next rule, then the base rate. Your real-world rate depends on which merchants you use.
New DBS/POSB cardholders who apply through this link using promo code "SINGSAVER" and spend min. S$500 in qualifying transactions within 30 days of card approval choose one: - S$320 Cash via PayNow - S$375 Grab Vouchers - Sony WF-1000XM6 Earbuds (worth S$479) - 22,000 Max Miles - Dyson TP10 (worth S$599) Top-up options available (Dyson V8 Cyclone, Airstrait, iPad, Airwrap, MacBook and others — shown on the SingSaver page).
Reward fulfilled by SingSaver. Terms and conditionsopen_in_new
Applyopen_in_new- •6% on Petrol at SPC
- •5% on Sheng Siong (capped at S$20/mo)
- •3% on Pet Lovers Centre — Minimum S$15 spend on regular-priced items required.
- •0.3% base rate on other eligible spend
- S$800+/mo tier:
- •10% on Food Delivery (capped at S$20/mo) — On online food deliveries. Excludes fast food restaurants.
- •5% on Dining Out (capped at S$20/mo) — On dining out islandwide. Excludes fast food restaurants.
- •10% on Bus / MRT (capped at S$20/mo) — On bus and MRT rides with SimplyGo.
- •5% on Online Shopping (capped at S$20/mo) — Amazon.sg, Lazada, Shopee, Redmart, Taobao and TikTok Shop.
- •5% on Sheng Siong (capped at S$20/mo)
- •6% on Petrol at SPC
- •3% on Pet Lovers Centre — Minimum S$15 spend on regular-priced items required.
- •10% on In-store Spend in Malaysian Ringgit (capped at S$20/mo) — On in-store spend in Malaysian Ringgit.
- •Uncapped — no monthly cap on total cashback earned
- •Annual fee: S$196.20 (First year waived.)
Crossing a monthly-spend threshold unlocks better rates — base and bonus categories can both shift.
- Daily$ Rewards Programme
Cash rebates are awarded in the form of Daily$, which never expire. Daily$ can be redeemed instantly in-store at Pet Lovers Centre, Sheng Siong and SPC, via the DBS PayLah! app, via digibank online to offset credit card bills or redeem KrisFlyer miles, or at participating merchants including Zalora, AXS and Shopee.
- Mastercard Exclusive Deals in Malaysia
Cardholders enjoy exclusive Mastercard deals at partnering brands in Malaysia.
- 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
- 8% of the amount withdrawn per transaction or S$15, whichever is greater
- Minimum payment
- 3% of statement balance or S$50, whichever is greater
- 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. Must be 21 to 75 years old
About the POSB Everyday Card
The POSB Everyday Card is a tiered cashback card from POSB. Base-tier earning starts at 6% on petrol at spc, 5% on sheng siong, and 3% on pet lovers centre, with 0.3% on other eligible spend. At its top qualifying tier (S$800/mo+), the card reaches up to 10% on food delivery, 10% on bus / mrt, 10% on in-store spend in malaysian ringgit, 6% on petrol at spc, and 5% on dining out. 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 POSB Everyday Card earns 6% on petrol at spc, 5% on sheng siong, and 3% on pet lovers centre, plus 0.3% on other eligible spend. From S$800/mo qualifying spend, the card earns 10% on food delivery, 10% on bus / mrt, 10% on in-store spend in malaysian ringgit, 6% on petrol at spc, 5% on dining out, 5% on online shopping, 5% on sheng siong, and 3% on pet lovers centre.
Where this card earns the most
The POSB Everyday 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 food delivery, bus / mrt, in-store spend in malaysian ringgit, petrol at spc, dining out, online shopping, sheng siong, and pet lovers centre spend than for cards without those bonuses. Below the lowest tier (S$800/mo), every eligible dollar earns the 0.3% base rate.
Other cashback cards to compare
Frequently asked questions
Is the POSB Everyday Card worth it?
The POSB Everyday Card earns 0.3% cashback on general spend and up to 10% on dining and 10% on transport, with a S$196.20 annual fee (First year waived). 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 POSB Everyday Card for?
The POSB Everyday Card suits frequent diners, daily commuters, and drivers — it earns up to 10% on dining, 10% on transport, and 6% on petrol. Spending spread across other categories may earn more on a different card.
How much cashback does the POSB Everyday Card earn?
The POSB Everyday Card has 2 earning tiers in total. At the base tier, the card earns 6% on petrol at spc, 5% on sheng siong, and 3% on pet lovers centre, plus 0.3% on other eligible spend. From S$800/mo qualifying spend, the card earns 10% on food delivery, 10% on bus / mrt, 10% on in-store spend in malaysian ringgit, 6% on petrol at spc, 5% on dining out, 5% on online shopping, 5% on sheng siong, and 3% on pet lovers centre.
Is there a minimum monthly spend?
There's no single minimum spend — the POSB Everyday Card upgrades its earning rates as your monthly spend crosses each tier threshold. At S$800/mo+ the card unlocks 10% on food delivery, 5% on dining out, 10% on bus / mrt, 5% on online shopping, 5% on sheng siong, 6% on petrol at spc, 3% on pet lovers centre, and 10% on in-store spend in malaysian ringgit. Below the lowest tier, the card earns the base 0.3% rate.
Are there per-category cashback caps?
Yes — bonus cashback is capped per category: sheng siong at S$20.00/mo, food delivery at S$20.00/mo, dining out at S$20.00/mo, bus / mrt at S$20.00/mo, online shopping at S$20.00/mo, and in-store spend in malaysian ringgit at S$20.00/mo. Spend beyond the cap earns the base 0.3% instead.
What is the annual fee?
S$196.20, First year waived..
Does the POSB Everyday Card charge foreign transaction fees?
Yes. The POSB Everyday Card charges a 3.3% foreign-currency transaction fee on spend billed in a currency other than Singapore dollars. The fee is charged separately from the cashback you earn, so it applies whether or not the spend qualifies for a bonus rate. Terms and conditions apply.
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 23 Jul 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.
POSB governing terms: Official terms (PDF)