Miles vs Cashback

DBS Live Fresh Card

An entry-level cashback card focused on shopping and transport spend, with bonus rates unlocked by a monthly minimum spend.

Issuer
DBS
Network
Visa
Rewards
Cashback
Annual fee
Annual fee, often waivable
Beginner-friendly
Online shoppingTransport

Pros

  • +Up to 6% cashback on both shopping (online and in-store) and transport, including overseas spend that falls in those categories
  • +Entry-level income requirement (S$30,000 for Singaporeans/PRs) makes it accessible to first-time cardholders
  • +Annual fee is waived in the first year and can typically be waived again on request

Cons

  • −S$800 minimum monthly spend required to unlock the 6% bonus rate; below that you only earn 0.3%
  • −Monthly cashback is capped at S$70 (S$50 shopping + S$20 transport), so the upside is limited for higher spenders
  • −Base rate of 0.3% on non-bonus spend is uncompetitive versus flat-rate cashback cards
  • −Card was repositioned in March 2024, removing the previous standalone contactless cashback category
Annual feeS$196.20as of 16 Jun 2026
CashbackUp to 6% cashback on shopping and transport (S$800 min monthly spend), 0.3% base; capped at S$70/monthas of 16 Jun 2026
Min. income (S'porean/PR)S$30,000/yras of 16 Jun 2026
Min. income (foreigner)S$45,000/yras of 16 Jun 2026

Eligibility: Minimum annual income of S$30,000 for Singaporeans/PRs and S$45,000 for foreigners; applicants must be at least 21 years old.

Who it’s for

The DBS Live Fresh Card is a cashback card from DBS, best suited to people who spend on online shopping and transport. It's beginner-friendly. It carries an annual fee that can often be waived. Confirm the current terms before applying.

View official detailsAlways confirm the latest fees, rates and terms on the issuer’s site.

Sources

Last reviewed 16 Jun 2026.

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