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DCS Flex Visa Platinum

Cashback card by DCS · Many hurdles · Min S$600 a statement, Small cashback cap

Earns 6% on online spend in SGD. Everything else in S$ earns 0.3%. No annual fee.

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Best rate6%Online spend in SGD

Everything else0.3%in S$

Bonus capS$100 cashbacka statement

Annual feeNo annual fee

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

How you earn

Where	How you pay	You earn
Foreign currency spend	Any way of paying	8% up to S$312.5 of spend · foreign currency only
Online spend in SGD	Pay online	6% up to S$416.67 of spend
Visa contactless with the card in SGD	Pay by card tap	6% up to S$416.67 of spend
Everything else, in S$	Any way of paying	0.3%
Everything else, in a foreign currency	Any way of paying	0.3%

The bank's full earning rules

Cash Rebate, Investment Credits or Carbon Credits: 8% on foreign currency, 6% on online SGD, 6% on contactless SGD, 0.3% on all other spend. Each category capped at S$25; S$100 total per statement month (cl 2.1-2.3).
Miles: 2.4 mpd on foreign currency, 1.8 mpd online SGD, 1.8 mpd contactless SGD, 0.4 mpd on all other spend. Each category capped at 1,250 miles; 5,000 total per statement month (cl 2.4).
Minimum spend: S$600 of retail transactions in the statement month, principal and supplementary combined; otherwise 0.3% (0.4 mpd) on everything (cl 2.1 b, cl 4).
Rewards are computed per eligible transaction: cash to 2 decimal places, rounded down; miles to whole miles, rounded down.
Switch reward type in the DCS Cards app, once per statement month (cl 6).

Where the bonus applies

Foreign currency: retail transactions charged in a currency other than SGD (not DCC) (cl 3.3)
Online: internet transactions flagged online through the Visa network (cl 3.1)
Contactless: Visa contactless by the card at a contactless terminal (cl 3.2)

Earns nothing on

Fees, charges, adjustments, disputed and fraudulent charges, casino and cheque charges
AXS bill payments, road tax, all LTA and Singapore Post transactions
0% instalment plans, ReadyCA$H, DCA$H, balance transfers, Pay4U, cash advances, Esso Fleet Card
Descriptors AMAZE*, EZ-LINK*, IPAYMY*, SIMPLYGO*, skrill.com*, TRANSIT*
MCCs 4784, 4829, 4900, 5199, 5960, 6010, 6011, 6012, 6050, 6051, 6211, 6300, 6513, 6540, 7349, 7523, 7800-7802, 7995, 8062, 8211, 8220…

See all 6

Fees, charges, adjustments, disputed and fraudulent charges, casino and cheque charges
AXS bill payments, road tax, all LTA and Singapore Post transactions
0% instalment plans, ReadyCA$H, DCA$H, balance transfers, Pay4U, cash advances, Esso Fleet Card
Descriptors AMAZE*, EZ-LINK*, IPAYMY*, SIMPLYGO*, skrill.com*, TRANSIT*
MCCs 4784, 4829, 4900, 5199, 5960, 6010, 6011, 6012, 6050, 6051, 6211, 6300, 6513, 6540, 7349, 7523, 7800-7802, 7995, 8062, 8211, 8220, 8241, 8244, 8249, 8299, 8398, 8651, 8661, 9211, 9222, 9223, 9311, 9399, 9402, 9405, 9406
Corporate or commercial transactions

Fees and limits

Annual feeNo annual fee; S$10 + GST monthly service fee, free in the first year and waived in any month with 5 transactions (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; 1% on SGD transactions processed overseas (DCC) (DCS Flex fees page, effective 1 Sep 2026).

Rewards expiryMiles expire 3 years from the date earned (cl 2.4 f).

Turning rewards into miles or cashCash Rebate offsets the next statement; Investment Credits go to an iFAST account; Carbon Credits to the Visa Flex wallet for carbon offsets (min S$2). Miles convert to KrisFlyer 1:1 in blocks of 5,000, with a conversion fee plus GST (cl 2.4 g-h).

Good to know

One card, four rewards: Cash Rebate, Investment Credits, Carbon Credits (all the same rates) or Miles. Set the one you picked in the DCS Cards app under Boosts; you can switch once a statement month.

Bonus needs S$600 of eligible spend in the statement month; below that everything earns 0.3% (or 0.4 mpd).

Each category is capped at S$25 (1,250 miles) a statement month: Cardinko shows this as S$312.50 of foreign spend and S$416.67 each of online and contactless spend (S$520.83 and S$694.44 in Miles). Total cap S$100 (5,000 miles).

Contactless means tapping the card itself on a terminal (T&Cs cl 3.2). The T&Cs do not say Apple Pay or Google Pay count, so Cardinko only counts card taps.

SimplyGo is excluded in the T&Cs (cl 5.1 r), even though the product page shows bus and train rides earning. Cardinko follows the T&Cs.

DCC (paying in SGD overseas) is not foreign currency spend (cl 3.3).

Miles are rounded down to whole miles per transaction; cash rewards to 2 decimal places.

Where these facts come from

DCS Flex Card Reward Programme and Card Design T&Cscorrect as at 17 Jul 2025

DCS Flex Card fees and chargeseffective 1 Sep 2026

DCS Flex Visa Platinum product pagepage only; read 29 Oct 2026

Is this card right for you? See how it does with your spending

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