Credit Card Compare

POSB Everyday Card

Data last updated 27 October 2026
27.80%
Purchase rate
S$0
Annual fee
Not published
Interest-free

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POSB Everyday Card card
Application60 second approval

CardIQ

36Basic

Basic

Overall score, out of 100 · How this works

  • Cashback68
  • No annual fee27
  • Rewards13

Customer reviews

No reviews yet. Be the first to review the POSB Everyday Card.

Pros & cons

What's good

  • The 27.8% p.a. purchase rate is among the lowest ongoing purchase rates (the median card charges 27.9% p.a.).
  • No annual fee.
  • Earns cashback on eligible spending.

Worth noting

  • The annual fee increases from S$0 to S$196 in the second year.
  • 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
Not published
Card type
Not published
Card use
Personal
Credit limit
Not published
Credit rating
Not published
Rewards program
None

Eligibility

Instant approval
Yes (response in ~60 seconds)
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
No annual fee
Annual fee (year 2+)
S$196.20 p.a.
Cash advance fee
8% of the amount
Foreign transaction fee
3.25%
Late payment fee
S$100

Repayments

Interest-free period
Not published
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.

Introductory purchase offer

This card has no introductory purchase rate offer.

Rewards

Cashback

Ongoing cashback
10% on eligible spend

Up to 10% cash rebates on dining (online food delivery) and in-store spend in Malaysian Ringgit and SimplyGo bus/train rides with min. S$800 monthly spend. 5% on Sheng Siong groceries and offline dining (with min spend). 6% on SPC fuel. 0.3% on all other eligible spend. Cash rebates awarded as Daily$ (Daily$1 = S$1). Bonus category caps of Daily$20 per calendar month apply.

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.

Purchase rate27.80%Top 10% (3rd of 41 cards)
Overseas fee3.25%Top 25% (11th of 41 cards)
Annual feeS$196 a yearBetter than most (13th of 41 cards)

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

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Questions and answers

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Sources

Credit Card Compare
Credit card statistics for SingaporeHow CardIQ scores cards
Issuer
DBS