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DCS CASHBACK Credit Card

Cashback card by DCS · Many hurdles · Min S$500 a month, Small cashback cap

Earns 5% on all eligible spend (S$500 a month). Everything else in S$ earns 0%. Annual fee: S$180, 1st year free.

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Best rate5%All eligible spend

Everything else0%in S$

Bonus capS$50 cashbacka statement

Annual feeS$1801st year free

Checked against DCS's own terms on 29 Oct 2026. See the documents

How you earn

Where	How you pay	You earn
All eligible spend (S$500 a month)	Any way of paying	5%
Everything else, in S$	Any way of paying	0%
Everything else, in a foreign currency	Any way of paying	0%

The bank's full earning rules

5% cash rebate on all eligible transactions (cl 1, 4).
Minimum spend: at least S$500 charged in the calendar month, principal and supplementary combined; unposted transactions don't count (cl 3).
Capped at S$50 per statement month (cl 2).
Computed per calendar month, to 2 decimal places for every eligible transaction without rounding off (cl 5).

Where the bonus applies

Fees, service and late charges, disputed charges, journal entries, casino and cheque charges, fraud charges
AXS bill payments, road tax, all LTA and Singapore Post transactions
0% instalment plans (BNPL), ReadyCA$H, DCA$H, balance transfers, cash advances, Esso Fleet Card
MCCs 4829, 5199, 5960, 6012, 6050, 6051, 6211, 6300, 6529, 6530, 6534, 6540, 7995, 9222, 9223, 9311, 9399, 9402, 9405

Annual feeS$180 + GST, first year free; waived automatically with S$2,000 spend a year. Supplementary S$80 + GST (product page only).

Minimum incomeS$30,000 (Singaporeans/PRs; S$15,000 if aged 56+); S$60,000 (foreigners). Age 21-65. Product page only.

Overseas fee3.25% conversion commission on foreign-currency transactions (DCS credit card fees page, effective 1 Sep 2026).

Turning rewards into miles or cashCashback in Singapore dollars, credited to the same month's statement and offset against the bill (cl 5).

A Diners Club card (Diners Club / Discover network), so it is not accepted everywhere Visa and Mastercard are.

5% cashback on all eligible spend, local and overseas, once you charge at least S$500 in the calendar month. Below S$500 there is no cashback at all.

Capped at S$50 cashback per statement month (S$1,000 of spend at 5%).

Cashback is worked out to 2 decimal places per transaction with no rounding off (cl 5).

Cardinko tracks its caps and minimum spend as you go, and tells you which card to use at every shop.