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DCS Ultimate Platinum Mastercard

Cashback card by DCS · Easy · No minimum spend

Earns 2% on all spend in S$. No annual fee.

Apply at DCS Add to compare

Earn rate2%all spend in S$

Everything else2%in S$

Foreign currency2%before fees

Annual feeNo annual fee

Checked against DCS's own terms on 21 Oct 2026. See the documents

How you earn

Where	How you pay	You earn
Everything else, in S$	Any way of paying	2%
Everything else, in a foreign currency	Any way of paying	2%

The bank's full earning rules

2% cashback on every card transaction up to S$10,000 monthly spend.
Capped at S$200 cashback per calendar month.

Where the bonus applies

All eligible card transactions

Earns nothing on

Annual fees, service charges, late payment charges, balance transfers, cash advances
Merchant category codes 6540 (stored-value card load), 6051 (account funding), 6300 (insurance sales, underwriting and premiums) and 5960
Corporate and commercial transactions at DCS's discretion
Unposted, voided, cancelled, disputed or reversed transactions

Fees and limits

Annual feeNo annual fee stated; S$10 monthly service fee, free in the first year and waived each month with 8 retail transactions or S$800 spend (product page only; the T&Cs give no amounts). Supplementary S$5 a month.

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%: 2.25% DCS administrative fee plus up to 1% charged by the card association on the converted amount; up to 1% administrative fee on SGD transactions processed overseas (T&Cs cl 4.2-4.3, 1 Jun 2025).

Turning rewards into miles or cashCashback is in Singapore dollars and credited to the statement within the same month (cl 5.3).

Good to know

2% cashback on every card transaction up to S$10,000 monthly spend, capped at S$200 cashback per calendar month (T&Cs cl 5.1). Cardinko doesn't apply the S$200 monthly cap.

The extra 2% on direct airline and hotel bookings (product page only, up to S$200 a month) isn't in the 1 Jun 2025 T&Cs, so it isn't counted.

No Club Rewards points are earned on this card (cl 23.1). DCS can change the rate or eligible transactions without notice (cl 5.6).

Where these facts come from

DCS Ultimate Platinum Card Terms and Conditionscorrect as at 1 Jun 2025

DCS Ultimate Platinum product pagepage only; no date shown; read 21 Oct 2026

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

Compare DCS Ultimate Platinum Mastercard with

UOB Absolute Cashback Card Citi Cash Back+OCBC INFINITY Cashback Standard Chartered Simply Cash

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