Credit Card Compare

SAFRA DBS Card

Data last updated 25 October 2026
27.80%
Purchase rate
S$0
Annual fee
25 days
Interest-free

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Application

CardIQ

61Good

Good

Overall score, out of 100 · How this works

  • Cashback100
  • No annual fee59
  • Rewards25

Customer reviews

No reviews yet. Be the first to review the SAFRA DBS Card.

Pros & cons

What's good

  • The 27.8% p.a. purchase rate is among the lowest ongoing purchase rates (the median card charges 27.85% p.a.).
  • No annual fee.
  • Earns cashback on eligible spending.
  • No fee to add an additional cardholder.

Worth noting

  • No annual card fee as long as cardholder remains a SAFRA member. SAFRA membership fee applies separately. All fees shown include GST.
  • Earns no rewards points on spending.
  • No balance transfer or introductory purchase offer.

Card details

The basics

Additional cardholder fee
S$0 p.a.
Card tier
Not published
Card type
Mastercard
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 or 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$0
Annual fee
No annual fee
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.

Introductory purchase offer

This card has no introductory purchase rate offer.

Rewards

Cashback

Cashback cap
S$50 per month
Ongoing cashback
3% on eligible spend

3% on local Mastercard contactless and online transactions; 0.3% on all other retail transactions. Minimum spend of S$500 per calendar month required. Cap is SAFRA$50 per card account per calendar month. Cash rebate issued as SAFRA$.

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.

Annual feeS$0Tied for best (1st of 38 cards)
Interest-free days25 daysTied for best (1st of 27 cards)
Purchase rate27.80%Top 10% (3rd of 38 cards)
Overseas fee3.25%Better than most (11th of 38 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
Australian credit card statisticsHow CardIQ scores cards
Issuer
DBS