Looking for a credit card that rewards you for your daily spending? Look no further than the DBS Live Fresh Card. This card is designed with young working adults in mind and offers up to 10% cashback on shopping sprees and daily commutes. If you’re looking for a credit card that can help you earn rewards while you go about your daily life, the DBS Live Fresh Card is definitely worth considering.
One of the best things about the DBS Live Fresh Card is that it offers cashback on a wide range of spending categories. From shopping to transport spend, this card is designed to help you maximise your rewards no matter how you choose to spend your money. Plus, with no annual fees and a low minimum spend requirement, this card is accessible to almost anyone. So if you’re looking for a credit card that can help you earn rewards on your daily spending, the DBS Live Fresh Card is definitely worth considering.
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Looking for a credit card that rewards everyday spending? Look no further than the DBS Live Fresh Card! This card is designed for young adults and offers up to 10% cashback on shopping and commutes. Plus, it boasts a low minimum spend requirement and exciting features like:
- Cashback on online & contactless spending: Earn up to 5% back on your online purchases and contactless payments.
- Bonus cashback on transport: Enjoy up to 5% cashback on your daily commutes, including public transport and ride-hailing services.
- Eco-friendly rewards: Get rewarded for making sustainable choices with bonus cashback on eco-friendly merchants.
- Mobile wallet friendly: Use your phone to pay with Apple Pay, Google Pay, and Samsung Pay.
Ready to learn more? Check out the full article for a deeper dive into the DBS Live Fresh Card’s features, fees, and benefits.
Key Features of DBS Live Fresh Card
If you’re looking for a credit card that offers cashback rewards and incentives for sustainable spend, the DBS Live Fresh Card is worth considering. Here are some of the key features you can enjoy with this card:
Cashback Rewards
With the DBS Live Fresh Card, you can earn up to 5% cashback on online and contactless spend. This means you can enjoy cashback benefits when you shop at your favourite online stores or make payments using Visa contactless spend. Additionally, you can earn an additional 5% Green Cashback on selected Eco-Eateries, Retailers and Transport Services, making it easier to make sustainable choices.
Online and Contactless Spend Incentives
The DBS Live Fresh Card is perfect for those who prefer to shop online or use contactless payment methods. You can earn up to 5% cashback on online and contactless spend, which means you can enjoy cashback benefits when you shop at your favourite online stores or make payments using Visa contactless spend.
Dining and Entertainment Perks
If you enjoy dining out and going to the movies, the DBS Live Fresh Card has you covered. You can enjoy up to 5% cashback on dining and entertainment spend, which means you can save money while enjoying your favourite meals and activities.
Travel and Transport Benefits
If you’re a frequent traveller or use public transport frequently, the DBS Live Fresh Card has you covered. You can earn up to 5% cashback on transport spend, making it easier to save money on your daily commute or travel expenses. Additionally, you can enjoy automatic top-ups for bus and train rides, making it easier to get around.
Applying for the DBS Live Fresh Card
If you’re looking for a credit card that offers cashback on your everyday expenses, the DBS Live Fresh Card might be just what you need. Applying for the card is quick and easy, and you can enjoy up to 5% cashback on contactless and online spend. Here’s what you need to know to apply for the DBS Live Fresh Card.
Eligibility Criteria
To be eligible for the DBS Live Fresh Card, you must be a Singapore citizen or permanent resident. You must also be at least 21 years old and have an annual income of at least S$30,000 if you’re a Singaporean or permanent resident, or S$45,000 if you’re a foreigner. You’ll need to provide your NRIC or passport and a recent payslip or income tax statement as proof of your income.
Application Process
To apply for the DBS Live Fresh Card, you can do so online through the DBS website or through the digibank app. The application process is straightforward and should only take a few minutes to complete. Here’s what you need to do:
- Visit the DBS website or launch the digibank app on your mobile device.
- Click on the “Apply” button and select “Credit Cards”.
- Choose the DBS Live Fresh Card and click “Apply Now”.
- Fill in the required personal and financial information, including your NRIC or passport number, income details, and contact information.
- Review the terms and conditions and click “Submit”.
Once you’ve submitted your application, you’ll receive a confirmation email or SMS from DBS. Your application will be reviewed and you’ll be notified of the outcome within a few days. If your application is approved, you’ll receive your DBS Live Fresh Card in the mail within 7-10 business days.
Maximising Cashback with DBS Live Fresh
If you’re looking to maximise your cashback rewards with the DBS Live Fresh Card, here are some tips to help you get the most out of your spending.
Understanding the Cashback Cap
Firstly, it’s important to understand the cashback cap. The maximum amount of cashback that each eligible cardmember can earn is £60 per calendar month. The total cashback earned will be capped at £20 on eligible online spend, £20 on eligible Visa contactless spend and £20 on all other spend. So, be sure to keep this in mind when planning your spending.
Meeting the Minimum Spend Requirement
To be eligible for cashback, you need to meet the minimum spend requirement of £600 per calendar month. Simply spend at least £800 on your card to earn the bonus rewards of up to £70 on your shopping and transport spend for each month. This includes in-store, contactless and online spend made in Singapore and overseas. So, make sure you’re meeting the minimum spend requirement to maximise your cashback rewards.
Bonus Cashback Opportunities
There are also bonus cashback opportunities available with the DBS Live Fresh Card. For example, you can earn up to 6% cashback on your shopping sprees and daily commutes. This includes up to 6% cashback on shopping and transport spend, and 0.3% unlimited cashback on all spend. Enjoy first year annual fee waiver.
To maximise your cashback rewards, be sure to take advantage of these bonus cashback opportunities. Plan your spending accordingly and you’ll be able to earn the maximum cashback possible each month.
Additional Perks and Privileges
Promotions and Discounts
As a DBS Live Fresh Cardholder, you can enjoy a range of promotions and discounts when you shop at selected merchants. For example, you can get up to 20% off at eco-eateries such as SaladStop! and The Soup Spoon. You can also enjoy discounts at eco-retailers such as The Green Collective and The Sustainability Project.
In addition, DBS frequently offers promotions to its cardholders. For example, you can get up to $150 cashback when you apply for a DBS Live Fresh Card with the promo code “150cash”. Keep an eye out for these promotions to make the most of your DBS Live Fresh Card.
Eco-Friendly Spending Rewards
The DBS Live Fresh Card rewards you for making eco-friendly choices. For example, you can earn up to 5% cashback on your transport spend, including bus, train, and taxi rides, as well as ride-hailing services. This encourages you to take public transport instead of driving, which is better for the environment.
In addition, the DBS Live Fresh Card is Singapore’s first-ever eco-friendly recycled card, made from 85.5% recycled plastic. By using this card, you can help reduce plastic waste and contribute towards a more sustainable future.
Fees and Charges
When it comes to credit cards, fees and charges can be a major concern. In this section, we’ll take a closer look at the fees and charges associated with the DBS Live Fresh Card.
Annual Fee and Waivers
The annual fee for the DBS Live Fresh Card is S$192.60. However, this fee is waived for the first year, making it a great option for those who want to try out the card without committing to a yearly fee.
Other Potential Charges
Here are some other potential charges you may encounter when using the DBS Live Fresh Card:
- Late Payment Fee: If you miss a payment, you may be charged a late payment fee of S$100. To avoid this fee, make sure you pay your bill on time each month.
- Cash Advance Fee: If you need to withdraw cash using your credit card, you may be charged a cash advance fee of 6% of the amount withdrawn or S$15, whichever is higher.
- Foreign Currency Transaction Fee: If you make a purchase in a foreign currency, you may be charged a fee of 3% of the transaction amount.
- Overlimit Fee: If you exceed your credit limit, you may be charged an overlimit fee of S$40.
It’s important to be aware of these potential charges so you can avoid them whenever possible. By using your DBS Live Fresh Card responsibly, you can enjoy all the benefits of this great credit card without having to worry about excessive fees and charges.
Digital Wallet Integration
If you’re someone who prefers to make payments using your mobile phone, then you’ll be pleased to know that the DBS Live Fresh Card is compatible with a range of mobile wallets. This means that you can enjoy all the benefits of the card without having to carry it around with you.
Mobile Wallet Compatibility
The DBS Live Fresh Card is compatible with popular mobile wallet services such as Samsung Pay, Apple Pay, and Google Pay. This means that you can use your mobile phone to make payments wherever contactless payments are accepted.
In addition to this, the card is also compatible with SimplyGo, which is a mobile app that allows you to pay for your public transport fares with your credit card. This means that you don’t have to worry about topping up your EZ-Link card and can enjoy a hassle-free commute.
Finally, the card is also compatible with FavePay, which is a mobile payment platform that allows you to make payments at participating merchants. This means that you can enjoy cashback and discounts on your purchases, making the card even more rewarding.
Comparing DBS Live Fresh with Other Cards
If you’re looking for a credit card that offers cashback on your shopping and daily commutes, you might be interested in comparing DBS Live Fresh with other popular cashback cards in Singapore. Here’s a quick rundown of how DBS Live Fresh stacks up against some of its competitors.
DBS Live Fresh vs. OCBC Frank
The OCBC Frank card is another popular cashback card in Singapore that targets young adults. Like DBS Live Fresh, it offers cashback on online shopping and transport spend. However, the rates are slightly different. With OCBC Frank, you can earn up to 6% cashback on online shopping, but only up to 5% cashback on transport spend. On the other hand, DBS Live Fresh offers up to 6% cashback on both categories. Additionally, DBS Live Fresh has a lower minimum spend requirement of $600 per month, compared to OCBC Frank’s $800.
DBS Live Fresh vs. CIMB Visa Signature
The CIMB Visa Signature card is another cashback card that offers up to 10% cashback on online shopping, but only up to 0.2% cashback on other spend categories. While DBS Live Fresh also offers up to 6% cashback on online shopping, it provides cashback on other categories such as transport spend and contactless payments as well. Moreover, CIMB Visa Signature has a higher minimum spend requirement of $800 per month, compared to DBS Live Fresh’s $600.
DBS Live Fresh vs. UOB EVOL
UOB EVOL is a cashback card that offers up to 8% cashback on online and contactless spend, but only up to 1% cashback on other spend categories. While DBS Live Fresh also offers up to 6% cashback on online and contactless payments, it provides cashback on other categories such as transport spend as well. Moreover, UOB EVOL has a higher minimum spend requirement of $600 per month, compared to DBS Live Fresh’s $500.
Tip
Looking to maximize your cashback rewards? Consider pairing DBS Live Fresh with another card that complements its benefits. For example, combining it with a card that offers higher rewards for dining or groceries can help you earn more cashback across a wider range of expenses.
Remember to keep track of your spending habits to ensure you meet the minimum spend requirements for each card while avoiding unnecessary purchases. Additionally, take advantage of any promotions or bonus categories offered by your cards to maximize your rewards.
Lifestyle Fit for Millennials and Gen Z
If you’re a hip millennial or belong to the Gen Z crowd, the DBS Live Fresh Card is the perfect credit card for you. It’s designed to cater to your lifestyle needs and preferences, with a focus on fashion, style, and tech-savvy shopping and payments.
Fashion and Style Spending
The DBS Live Fresh Card offers up to 5% cashback on online and Visa contactless spend, making it the perfect card for fashion and style enthusiasts. Whether you’re refreshing your work wardrobe or shopping for the latest trends, you can enjoy a pocketful of savings on the things you need.
Tech-Savvy Shopping and Payments
The DBS Live Fresh Card is also ideal for those who prefer mobile payments and online shopping. You can enjoy up to 5% cashback on contactless and online spend, including popular e-commerce sites like Lazada, Shopee, and Amazon. Plus, with the card’s Visa payWave feature, you can enjoy seamless and secure payments at thousands of merchants islandwide.
Frequently Asked Questions
What exciting benefits can you enjoy with the DBS Live Fresh Card?
The DBS Live Fresh Card offers exciting benefits that cater to young working adults. You can enjoy up to 10% cashback on your shopping sprees and daily commutes. Categories to maximise this card include shopping and transport spend. This card is perfect for daily expenditure like shopping and travelling to earn cashback.
How can you maximise cashback with the DBS Live Fresh Card?
To maximise cashback with the DBS Live Fresh Card, simply spend at least S$800 on your card to earn the Bonus Rewards of up to S$70 on your Shopping and Transport Spend for each month. This includes in-store, contactless and online spend made in Singapore and overseas. You can also earn up to 5% cash rebate on online and Visa contactless spend.
What are the terms and conditions to be aware of for the DBS Live Fresh Card?
Some important terms and conditions to be aware of for the DBS Live Fresh Card include a minimum age requirement of 21 years old, a minimum income requirement of S$30,000 per annum for Singaporeans and Permanent Residents, and S$45,000 per annum for foreigners. You also need to pay an annual fee of S$128.40.
Is there a minimum spend required to utilise the DBS Live Fresh Card perks?
Yes, to utilise the DBS Live Fresh Card perks, you need to spend at least S$800 on your card to earn the Bonus Rewards of up to S$70 on your Shopping and Transport Spend for each month.
How does the DBS Live Fresh Card cater to students?
The DBS Live Fresh Card is a great option for students who want to enjoy cashback rewards. However, to apply for the card, you need to be at least 21 years old and meet the minimum income requirement of S$30,000 per annum for Singaporeans and Permanent Residents, and S$45,000 per annum for foreigners.
What’s the process for DBS Live Fresh Card approval and how swift is it?
The process for DBS Live Fresh Card approval is fast and easy. You can apply for the card online and receive an instant approval if you meet the eligibility criteria. Once approved, you can receive your card within 7 working days.
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