Treat yourself with zero FX fees and up to 6% cashback on your spend
Up to 6% on shopping & transport
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| Benefit | Details |
|---|---|
| Zero FX Fees on Asia Spend | 3.25% cashback offsets FX fees on in-store overseas transactions at selected Asia destinations (South-East Asia and East Asia). Capped at S$50 per calendar month. |
| Shopping Cashback | Additional 5.7% cashback on shopping spend. Capped at S$50 per calendar month. Requires minimum S$800 spend per calendar month. |
| Transport Cashback | Additional 5.7% cashback on transport spend (daily rides). Capped at S$20 per calendar month. Requires minimum S$800 spend per calendar month. |
| Base Cashback | 0.3% unlimited cashback on all eligible card spend. No minimum spend required. |
| Sign-Up Bonus | S$300 cashback for new-to-DBS/POSB cardmembers with promo code 'LFC300' (limited-time offer). |
| 0% Payment Plan | 0% processing fee and 0% interest on 3-month instalment (MP3) for purchases above S$100, including shopping spend. |
| Attribute | Classification |
|---|---|
| Issuer / Provider | DBS Bank Ltd |
| Bank / Non-bank | Bank (DBS Bank Ltd, Co. Reg. No. 196800306E) |
| Category | Cashback / Lifestyle Rewards |
| Type of Card | Visa Platinum (PayWave enabled) |
| Free or Paid | S$196.20 annually incl. GST (First year waived) |
The DBS Live Fresh Credit Card is purpose-built for young professionals, frequent online shoppers and avid travellers across Asia who want straightforward, high-value cashback without complicated reward point systems. With up to 6% cashback on shopping and daily rides, zero effective FX fees on in-store overseas spend across 15 Asia destinations, and a simple 0.3% unlimited base cashback on everything else, the Live Fresh Card delivers maximum value for modern, mobile-first lifestyles. The card is especially compelling for those who travel frequently within Asia, spend regularly on e-commerce and rely on ride-hailing services — all three of these categories earn exceptional cashback. With a first-year annual fee waiver and a generous S$300 sign-up bonus currently on offer, there has never been a better time to apply.
From 1 April 2025, the DBS Live Fresh Card offers 3.25% cashback on all in-store overseas transactions at selected Asia destinations, effectively covering the foreign exchange fees charged on overseas spend. This benefit applies to point-of-sale transactions in 15 countries spanning South-East Asia (Brunei, Cambodia, Indonesia, Laos, Malaysia, Myanmar, Philippines, Thailand and Vietnam) and East Asia (China, Hong Kong, Japan, Mongolia, South Korea and Taiwan). The cashback is capped at S$50 per calendar month and requires a minimum spend of S$800 per calendar month on the card.
Cardmembers who meet the S$800 monthly minimum spend earn an additional 5.7% cashback on both shopping and transport spend, bringing total cashback on these categories to 6% (5.7% additional + 0.3% base). Shopping cashback is capped at S$50 per calendar month while transport cashback is capped at S$20 per calendar month.
Even without meeting the S$800 minimum spend, cardmembers earn 0.3% cashback on all eligible card spend with no cap and no minimum requirement. This ensures every transaction, regardless of category or amount, generates some cashback value.
New-to-DBS/POSB cardmembers can enjoy S$300 cashback by applying with promo code 'LFC300'. This is a limited-time offer and subject to DBS's terms and conditions.
DBS My Preferred Payment Plan (MP3) lets cardmembers split purchases above S$100 — including shopping spend — into 3-month instalments at 0% processing fee and 0% interest. Apply directly via digibank under More > Pay By Instalments.
Cardmembers enjoy access to 24/7 Visa Concierge services with personalised assistance for travel, dining, entertainment and lifestyle. Exclusive merchant promotions include 1-for-1 dining deals at partner restaurants and travel discounts with airlines and OTAs.
How Cashback is Earned
Condition: Minimum S$800 Monthly Spend Required for Bonus Cashback
To unlock the additional 5.7% cashback on shopping and transport, and the 3.25% cashback (zero FX fees) on in-store overseas spend, cardmembers must spend at least S$800 on their DBS Live Fresh Card within the calendar month. If the minimum spend is not met, only the 0.3% unlimited base cashback applies.
Spend Category | Cashback Details |
In-store Overseas Spend (Asia) | 3.25% cashback (offsets FX fees). Applies to in-store overseas point-of-sale transactions at selected Asia destinations. Capped at S$50/calendar month. Minimum S$800 monthly spend required. |
Shopping Spend | Additional 5.7% cashback (total ~6% with base). Capped at S$50/calendar month. Minimum S$800 monthly spend required. |
Transport Spend | Additional 5.7% cashback (total ~6% with base). Capped at S$20/calendar month. Minimum S$800 monthly spend required. |
All Eligible Card Spend (Base) | 0.3% unlimited cashback. No minimum spend required. No cap. |
Asia Destinations Covered for Zero FX Fees
South-East Asia: Brunei, Cambodia, Indonesia, Laos, Malaysia, Myanmar, Philippines, Thailand and Vietnam.
East Asia: China, Hong Kong, Japan, Mongolia, South Korea and Taiwan.
Maximum Cashback Per Calendar Month
Category | Monthly Cap |
In-store Overseas Spend (3.25% cashback) | S$50 |
Shopping Spend (5.7% additional cashback) | S$50 |
Transport Spend (5.7% additional cashback) | S$20 |
All Spend Base Cashback (0.3%) | Unlimited |
Total Maximum Bonus Cashback | S$120 per calendar month |
Cashback Crediting
Cashback earned in a calendar month will be credited to the card account (that is in good standing) by the end of the following calendar month. For example, cashback earned in March will be credited by end of April. Refunded transactions will be deducted from the minimum spend requirement and excluded from cashback computation.
0% Instalment Plan — DBS My Preferred Payment Plan (MP3)
How It Works
Split any purchase above S$100 on the DBS Live Fresh Card, including shopping spend, into a 3-month instalment at 0% processing fee and 0% interest. Apply via digibank > More > Pay By Instalments. This is particularly useful for larger online purchases that also qualify for the 5.7% shopping cashback.
Partner Restaurants
DBS Live Fresh cardmembers enjoy exclusive 1-for-1 dining promotions at select partner restaurants:
• Brotzeit German Bier Bar & Restaurant: 1-for-1 main course including Fladen, Sausages, Pork Knuckle, Schnitzel and Classics. Valid till 31 Dec 2025.
• Café Mosaic (Carlton Hotel Singapore): 1-for-1 Weekday Lunch Buffet, 1-for-1 Seafood Dinner Buffet (Thu–Sat) and 1-for-1 Seafood Lunch Buffet (Sun). Valid till 30 Dec 2025.
• Grin Affair: 1-for-1 Double Scoop Gelato with Waffles and Drinks Set. Valid till 31 Dec 2025.
Additional 1-for-1 deals are available across more partner merchants on the DBS website.
DBS Half-priced Holidays
Get 50% off travel bookings every day of the week on platforms including Trip.com, Expedia and Cathay Pacific. Valid till 31 Dec 2025.
Partner Airline & OTA Deals
Exclusive discounts and promotional fares are available with Resorts World Cruises (additional 5% off, promo code DBS5OFF), Traveloka (up to 8% off sitewide), AirAsia (S$20 off with min. S$250 spend) and Qatar Airways (up to 10% off with promo code DBSQR25). Terms and validity periods apply to each offer.
Cardmembers have access to a 24/7 Visa Concierge service offering personalised assistance for travel bookings, restaurant reservations, entertainment tickets, event access and other lifestyle requests — available anytime, anywhere in the world.
Download and register for DBS PayLah! with promo code 'JOINLAH' to receive S$5 credited to your PayLah! account. Use PayLah! for rides, meal orders and spend-and-win promotions. PayLah! monies are a deposit and SGD deposits are insured up to S$100,000 by SDIC.
| Fee Type | Amount | Details |
|---|---|---|
| Principal Card Annual Fee | $196.20 incl. GST | First year waived. |
| Supplementary Card Annual Fee | $98.10 per card incl. GST | No first-year waiver mentioned for supplementary cards. |
| Finance Charges | 27.8% p.a. | Chargeable daily (subject to compounding) on outstanding balances. |
| Late Payment Fee | S$100 | If outstanding balance is more than S$200 and minimum payment not received by due date. |
| Foreign Exchange Fee (non-Asia in-store) | Standard DBS card FX rates apply | 3.25% cashback offset only covers selected Asia in-store spend. |
| Instalment Plan (MP3) | 0% processing fee and 0% interest | For 3-month plan on purchases above S$100. |
| Criteria | Details |
|---|---|
Age | Must be 21 to 75 years old. |
Minimum Income — Singaporeans / PR (age 55 and below) | S$30,000 per annum. |
Minimum Income — Singaporeans / PR (age 56 and above) | S$15,000 per annum. |
Minimum Income — Foreigners | S$45,000 per annum. |
Citizenship | Singaporeans, Singapore Permanent Residents and Foreigners residing in Singapore. |
| Document Type | Details |
|---|---|
| For Singaporeans and PRs | NRIC (front and back), Latest computerised payslip or latest 12 months' CPF contribution history statement or latest Income Tax Notice of Assessment (for self-employed/variable income earners) |
| For Foreigners | Passport, Employment Pass (valid for at least 6 months), Latest 3 months' payslips or latest Income Tax Notice of Assessment |
Step 1: Click on Apply Now: Hit the "Apply Now" button to start your application.
Step 2: Fill in Your Details: Enter your personal information, including name, date of birth, contact details, employment information, and financial details in the application form.
Step 3: Upload Required Documents: Upload scanned copies of your PAN Card, Aadhaar/Address Proof, Income Proof, and a recent photograph.
Step 4: Submit Your Application: Carefully review all the details you've entered for accuracy and click the Submit button.
Step 5: Approval & Card Delivery: Once your application is approved after verification, your Credit Card will be dispatched to your registered address within 7-10 working days.
| Usage Tips | Details |
|---|---|
Hit S$800 Monthly to Unlock Full Cashback | Ensure you spend at least S$800 on the card every calendar month to unlock the 5.7% additional cashback on shopping and transport, and the 3.25% zero-FX cashback on Asia spend. |
Consolidate Online Shopping | Use the Live Fresh Card as your primary card for all online shopping to earn the 5.7% additional cashback (capped at S$50/month). |
Use for All Ride-Hailing | Route all Grab, Gojek and other ride-hailing spend through the Live Fresh Card to maximise the 5.7% transport cashback (capped at S$20/month). |
Swipe In-Store When Travelling in Asia | When visiting any of the 15 covered Asia destinations, always pay in-store with your Live Fresh Card to enjoy zero effective FX fees (3.25% cashback offset). |
Use MP3 for Big Purchases | For large online purchases above S$100 that qualify as shopping spend, use the MP3 payment plan — earn 5.7% cashback and pay in 3 instalments at 0% fee. |
Redeem Dining Deals Monthly | Check and utilise the 1-for-1 dining deals at partner restaurants each month to add extra lifestyle value on top of cashback earnings. |
Monitor Cashback Caps | Track your spending in each category to avoid breaching caps (S$50 for overseas and shopping, S$20 for transport) — once hit, spending in that category earns only base 0.3%. |
Pay Full Balance Monthly | Always pay your full statement balance by the due date to avoid finance charges of 27.8% p.a., which would erode all cashback gains. |
Enable Transaction Alerts | Set up SMS and push notification alerts in the digibank app to monitor all transactions in real time and detect any suspicious activity immediately. |
Check Merchant Category Before Spending | Use DBS digibot to verify the merchant category of transactions if unsure whether a spend qualifies for shopping or transport cashback. |
The DBS Live Fresh Credit Card is designed for users who want to maximize their credit card benefits effectively.
Disclaimer: The information provided on this page has been gathered from various reliable sources and is intended solely for general informational purposes. As details may change over time, we do not guarantee the accuracy or completeness of the content. Users are advised to verify the information with official or relevant sources before making any decisions or taking action.
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