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POSB Everyday
Cashback card by POSB · Many hurdles · Min S$800 a month, Small cap per category
Earns 10% on online food delivery (Foodpanda, GrabFood), S$800 spend in the month: 9.7% bonus + 0.3% base. Everything else in S$ earns 0.3%. Annual fee: S$196.20, 1st year free.
Checked against POSB's own terms on 21 Oct 2026. See the documents
How you earn
| Where | How you pay | You earn |
|---|---|---|
| Online food delivery (Foodpanda, GrabFood), S$800 spend in the month: 9.7% bonus + 0.3% base | Any way of paying | 10% up to S$20 cashback · needs S$800 spend |
| Dining (MCC 5811-5813), S$800 spend in the month: 4.7% bonus + 0.3% base | Any way of paying | 5% up to S$20 cashback · needs S$800 spend |
| SimplyGo bus and train (not top-ups), S$800 spend in the month: 9.7% bonus + 0.3% base | Any way of paying | 10% up to S$20 cashback · needs S$800 spend |
| Popular, S$800 spend in the month: 4.7% bonus + 0.3% base | Any way of paying | 5% up to S$20 cashback · needs S$800 spend |
| Online at Amazon.sg, Lazada, Shopee, RedMart, Taobao, TikTok Shop, S$800 spend in the month: 4.7% bonus + 0.3% base | Any way of paying | 5% up to S$20 cashback · needs S$800 spend |
| Sheng Siong (no minimum) | Any way of paying | 5% up to S$20 cashback |
| SPC petrol (no minimum, no cap) | Any way of paying | 6% |
| Pet Lovers Centre, regular-priced items, S$15 minimum per purchase (no cap) | Any way of paying | 3% |
| Everything else, in S$ | Any way of paying | 0.3% |
| Everything else, in a foreign currency | Any way of paying | 0.3% |
The bank's full earning rules
- Base: 0.3% cash rebates on all eligible spend, no minimum, no cap.
- Online food delivery (Foodpanda, GrabFood) 9.7% bonus; offline dining 4.7% bonus (MCC 5811-5813; Foodpanda/GrabFood under 5811-5814); SimplyGo bus and train 9.7% bonus (excl. top-ups); Popular 4.7% bonus; online at Amazon.sg, Lazada, Shopee, RedMart, Taobao, TikTok Shop 4.7% bonus. Each needs S$800 qualified spend in the month; Daily$20 monthly cap per category.
- Sheng Siong 5% (no minimum, Daily$20 cap); SPC 6% (no minimum, no cap); Pet Lovers Centre 3% (S$15 minimum on regular-priced items, no cap).
- In-store spend in Malaysian Ringgit: 9.7% bonus (5% for dining), S$800 minimum, Daily$20 cap.
Earns nothing on
- MCC: 4784, 4829, 4900, 5047, 5199, 5960, 5993, 6010, 6011, 6012, 6050, 6051, 6211, 6300, 6381, 6399, 6513, 6529, 6530, 6534, 6540, 7349…
- Descriptors: AMAZE, AXS, AXS BizPay, BAGUS, CANTINE, EZ-LINK, PAYPAL AXS, RAZERPAY, SAM, SEDAP, SGeBiz, SHOPEEPAY, SINGTEL DASH, Singapore…
- Pre-authorised transactions (e.g. hotel bookings); 0% instalment and My Preferred Payment Plan monthly amounts; interest, finance charges…
- Refunded, cancelled, voided or reversed transactions
Fees and limits
Good to know
Cashback is paid as Daily$ (1 Daily$ = S$1). The bonus rates need S$800 of qualifying spend in the calendar month; each bonus row has its own Daily$20 monthly cap (dining and food delivery share one). Rates shown include the 0.3% base.
In-store spend in Malaysian Ringgit (10%, or 5% for dining) is not modelled. Pet Lovers excludes vets, grooming, home delivery, online services, live animals, gift vouchers and PLC VIP discounts, and needs S$15 spend on regular-priced items. Hotel bookings and other pre-authorised transactions do not count.
The app assumes the S$800 is met when it has no spending history to check.
Where these facts come from
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