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DBS Live Fresh
Cashback card by DBS · Many hurdles · Min S$800 a month, Small cap per category
Earns 6% on shopping (apparel, department stores, electronics, home, beauty, speciality retail). Everything else in S$ earns 0.3%. Annual fee: S$196.20.
Best rate6%Shopping
Everything else0.3%in S$
Bonus capS$50per bucket, a month
Annual feeS$196.20
Checked against DBS's own terms on 21 Oct 2026. See the documents
How you earn
| Where | How you pay | You earn |
|---|---|---|
| Shopping (apparel, department stores, electronics, home, beauty, speciality retail) | Any way of paying | 6% up to S$50 cashback |
| Transport (public transport, Grab, taxis) | Any way of paying | 6% up to S$20 cashback |
| Everything else, in S$ | Any way of paying | 0.3% |
| Everything else, in a foreign currency | Any way of paying | 0.3% |
The bank's full earning rules
- 0.3% cashback on all eligible spend.
- Additional 5.7% (6% total) on Shopping and Transport spend from the first S$1, once you spend at least S$800 in the calendar month.
- Caps: S$50 cashback on Shopping and S$20 on Transport per calendar month.
- Most transactions count towards the S$800 minimum (not instalments, fees, cash withdrawals or refunds); counted by transaction date.
Where the bonus applies
- Shopping: in-store and online retail in Singapore and overseas: apparel, department stores, electronics, home/office furnishing, personal services, speciality retail, watches and jewellery (e.g. Nike, Amazon, Apple Store, IKEA, Sephora, Tiffany & Co.)
- Transport: public transport, ride-hailing and taxis in Singapore and overseas (e.g. SimplyGo, Grab, Uber, ComfortDelGro/CityCab)
Earns nothing on
- Spend at MCCs and descriptors in DBS's exclusion tables (insurance, utilities, education, government, hospitals, financial, stored-value…
- Instalment plans (0% IPP, My Preferred Payment Plan), interest, finance charges, cash advances, balance transfers, AXS and SAM payments…
- Shopping and Transport bonus also excludes payments via CardUp, iPayMy, SmoovPay, PayPal, e-wallet top-ups and crypto platforms
- Refunded, cancelled, voided or reversed transactions
Fees and limits
Annual feeS$196.20 incl. GST (supplementary S$98.10), 1-year waiver (DBS annual fee page).
Overseas fee3.25% on foreign currency transactions (1.00% card association + 2.25% DBS).
Turning rewards into miles or cashCashback is credited to the card account.
Good to know
6% (0.3% + 5.7%) on Shopping and Transport, in-store or online, in Singapore or overseas, once you spend S$800 in the calendar month. Caps: S$50 Shopping, S$20 Transport per month.
Everything else earns 0.3%.
Where these facts come from
Terms and Conditions Governing the DBS Live Fresh Card Cashback ProgrammeLast Updated: 16 January 2026
DBS credit card annual fees pageno date shown; read 21 Oct 2026 (mentions 1 Aug 2026 waiver change)
DBS Rewards Programme Terms and ConditionsLast Updated Sep 2026 (some exclusions effective 1 Dec 2025)
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