Cards › DBS / POSB › DBS yuu Card (Visa / Amex)
DBS yuu Card (Visa / Amex)
Cashback card by DBS · Many hurdles · Min S$800 a month, Several partner shops each month
Earns 18% on yuu partners with S$800 spend and 4 partners a month (Cold Storage, Giant, 7-Eleven, Guardian, Gojek, foodpanda, SimplyGo, Singtel, CHAGEE). Everything else in S$ earns 0.25%. Annual fee: S$196.20, 1st year free.
Checked against DBS's own terms on 21 Oct 2026. See the documents
How you earn
| Where | How you pay | You earn |
|---|---|---|
| yuu partners with S$800 spend and 4 partners a month (Cold Storage, Giant, 7-Eleven, Guardian, Gojek, foodpanda, SimplyGo, Singtel, CHAGEE) | Any way of paying | 18% up to S$144 cashback · needs S$800 spend |
| yuu partners, no minimum (Cold Storage, Giant, 7-Eleven, Guardian, Gojek, foodpanda, SimplyGo, Singtel, CHAGEE) | Any way of paying | 5% up to S$144 cashback |
| Everything else, in S$ | Any way of paying | 0.25% |
| Everything else, in a foreign currency | Any way of paying | 0.25% |
The bank's full earning rules
- Base: 0.5% (1 yuu Point per S$1) at yuu partners; 0.25% on SimplyGo and on non-yuu spend. Base is uncapped with no minimum.
- No minimum spend: bonus 4.5% at yuu partners and 4.75% on SimplyGo, for 5% in total.
- With minimum spend: a further 13% bonus at yuu partners and SimplyGo, for up to 18% (about 10 miles per S$1).
- Minimum: S$800 of eligible card spend per calendar month (yuu and non-yuu spend both count) AND transactions at 4 different participating merchants (SimplyGo counts as one). Meeting only one of the two gives 5%.
- Bonus rewards at participating merchants are capped at S$144 cash rebates (28,800 bonus yuu Points) per calendar month.
- Base rewards at yuu partners are credited the same day; SimplyGo and non-yuu base, and all bonus rewards, within 60 days after each calendar month.
- Supplementary card spend counts towards the principal's criteria and points go to the principal's yuu account.
Where the bonus applies
- 7-Eleven (Amex bonus from 13 Aug 2026)
- Charge+ Singapore (Visa only for bonus)
- CHAGEE app purchases (from 1 Oct 2025)
- Cold Storage, CS Fresh, Jasons Deli (not Cold Storage On The Go in Esso stations)
- foodpanda: food delivery, pandamart, panda shops
- Giant, Giant Hypermart, Giant Express
- Guardian
- Gojek Singapore
- Singtel Shop and Singtel Exclusive Retailers
- SimplyGo bus and train rides (from 1 Oct 2025)
Earns nothing on
- MCC: 4784, 4829, 4900, 5047, 5199, 5960, 5993, 6010, 6011, 6012, 6050, 6051, 6211, 6300, 6381, 6399, 6513, 6529, 6530, 6534, 6540, 7349…
- Descriptors: AMAZE, AXS, AXS BizPay, BAGUS, CANTINE, EZ-LINK, PAYPAL AXS, RAZERPAY, SAM, SEDAP, SGeBiz, SHOPEEPAY, SINGTEL DASH, Singapore…
- Pre-authorised transactions (e.g. hotel bookings); My Preferred Payment Plan and 0% instalment amounts; balance transfers, cash advances…
- Refunded, cancelled, voided or reversed transactions
Fees and limits
Good to know
The yuu bonus only counts when Cardinko knows the merchant: search the shop on Which card?, or log the purchase with its name. Explore's yearly figures leave it out, because they work from kinds of spend, not shops.
18% needs S$800 of eligible spend in the calendar month (any merchant counts) AND transactions at 4 different yuu partners (SimplyGo counts as one). Cardinko checks the S$800 only. Miss either and partners earn 5%.
Bonus is capped at S$144 a month (28,800 bonus yuu Points); base points are uncapped. Cardinko applies the S$144 cap to the whole rate.
DBS frames rewards as cash rebates: 1 yuu Point = 0.5%, so 18% = 36 points per S$1 (about 10 miles per S$1 if moved to KrisFlyer).
Charge+ is a yuu partner on the Visa card only; Cardinko doesn't count it.
Where these facts come from
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