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DBS Takashimaya Card

Data last updated 23 October 2026
27.80%
Purchase rate
S$196.20
Annual fee
25 days
Interest-free
Application

CardIQ

43Fair

Fair

Overall score, out of 100 · How this works

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Pros & cons

What's good

  • Up to 25 interest-free days on purchases when you pay the closing balance in full.

Worth noting

  • S$196.20 for Principal Card; S$98.10 per Supplementary Card. All fees shown include GST. First year waiver not stated; for DBS Takashimaya American Express Card, annual fee for following year waived if at least S$25,000 charged each year. The S$196 annual fee is still toward the top of the market (the median is S$0).
  • Earns no rewards points on spending.
  • No balance transfer or introductory purchase offer.

Card details

The basics

Additional cardholder fee
S$98.10 p.a.
Card tier
Standard
Card type
American Express
Card use
Personal
Credit limit
Not published
Credit rating
Not published
Rewards program
None

Eligibility

Instant approval
Not published
Joint application
Not published
Minimum age
21 years old
Minimum income
S$30,000 p.a.
Residency
Singaporeans/PR and Foreigners
Temporary residents
Not published

Rates & fees

Ongoing interest rates

Cash advances
28.50% p.a.
Purchases
27.80% p.a.

Fees

Additional cardholder fee
S$98.10
Annual fee
S$196.20 p.a.
Cash advance fee
8% of the amount
Foreign transaction fee
3.25%
Late payment fee
S$100
Over limit fee
S$40

Repayments

Interest-free period
Up to 25 days on purchases
Minimum repayment
3% of the statement balance (or S$50, whichever is greater) plus any amount that is overdue and/or exceeds your credit limit.

Balance transfers

This card has no promotional balance transfer offer. To move existing debt to a lower rate, compare balance transfer cards.

Introductory purchase offer

This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.

Rewards

This card doesn't earn rewards points. It focuses on a low cost of ownership instead. If earning points matters to you, compare frequent flyer cards and rewards cards.

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

Interest-free days25 daysTied for best (1st of 23 cards)
Purchase rate27.80%Top 10% (3rd of 28 cards)
Annual feeS$196 a yearBetter than most (8th of 28 cards)
Overseas fee3.25%Better than most (8th of 28 cards)

Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Sources

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Issuer
DBS