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DBSGold

DBS Live Fresh Card

•••• •••• •••• 4242

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Quick facts

DBS Live Fresh Card

Top reward5%

Annual fee$192

Min income$30,000/mo

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💰Cashback Kings

DBS · Gold tier

DBS Live Fresh Card

Best for e-commerce and tap-to-pay in Singapore.

Key Benefits

Online/contactless: 5% (cap S$60/mo)5% on Visa contactlessFee waiver on spendAnnual fee waiver at $10,000 yearly spend

Realistic net value (moderate user)

$324/year

Annual fee

$192

Issuer headline rate: 5% — see calculator for caps

After $192 fee & $34 forex. Based on $2,400/mo spend.

Age 21–65From $30,000/mo incomeUnsecured

Not your spend profile? Customize in the calculator →

12,400 users matched · Verified 2026-06-12

Zero sales calls. Ever.

On the bank's site: You'll apply on the bank's website. They may ask for contact details and follow up on your application.

We earn commission if approved — at no cost to you.

Our transparency commitment

✓ Reward caps shown in absolute S$ — not just "5% cashback"

✓ Exclusions listed upfront — fuel, EMI, rent, wallet

✓ Point conversions with conservative S$/point rates

Rates, fees, and eligibility notes are sourced from public issuer information and may contain errors. Always verify on the bank's website before applying.

All Benefits

Rewards, lounge rules, fee perks, and extras — sourced from public issuer information.

Online/contactless: 5% (cap S$60/mo)
5% on Visa contactless
Fee waiver on spend
Annual fee waiver at $10,000 yearly spend
Best for: Online & contactless spenders

Source: Issuer public T&Cs (Singapore, verified Jun 2026)

💰Cashback Kings

Flat cashback on spends — no points math

Reward Structure

Source: Issuer public T&Cs (Singapore, verified Jun 2026)

Online/contactless

Cap: S$60/mo

Example: $60/mo spend → ≈ $3/mo (max at cap)

Excluded categories (no rewards)

InsuranceGovernment paymentsBalance transfers

Fee waiver at

$10,000 annual spend

What You Actually Earn (in S$)

Absolute SGD estimates based on your spends. Caps and exclusions applied — no marketing fluff.

Gross rewards / year

$358

Before fees & forex

Costs / year

$34

Fee $0 + forex $34

Net value / year

$324

1.13% effective return on spend

Category-wise breakdown

Online shopping

Spend $500/mo · 5% cashback

$300/year

$25/mo

$500 × 5% = $25/mo

All other eligible spends

Spend $1,600/mo · 0.3% cashback

$57.60/year

$4.80/mo

$1,600 × 0.3% = $4.80/mo

Fee waiver likely: Your $28,800/yr spend exceeds the $10,000 waiver threshold.

Estimates assume eligible spends only (exclusions per issuer T&Cs apply). Point values use typical redemption rates — actual value varies by redemption choice. Bank approval and reward crediting is at issuer discretion.

Formulas and assumptions: How we calculate NAV

Best for

→Online & contactless spenders

Still deciding? Compare side-by-side or get a personalized shortlist.

Fees & Charges — Full Disclosure

All amounts in SGD. Everything that can reduce your net value.

Joining fee

Charged in first year

$192

Annual / renewal fee

Waived on $10,000 annual spend

$192

Forex markup

2.8% on international transactions

Finance charges

≈3.5–3.75% per month (42–45% p.a.) if you revolve balance — pay in full to avoid

Late payment fee

Typically S$50–S$100 depending on balance — always pay on time

Reward redemption fee

Usually S$0 for cashback cards; points cards may have S$2+ redemption fee

Example: moderate user net math

Gross rewards+ $358

Annual fee− $0

Forex cost− $34

Net annual value$324

Formulas and assumptions: How we calculate NAV

Eligibility Snapshot

Public criteria from Issuer public T&Cs (Singapore, verified Jun 2026). Bank makes final decision.

Minimum age21–65 years

Min income (salaried)$30,000/mo

Min income (self-employed)$30,000/year

Employment acceptedsalaried, self employed

Credit historyNo minimum stated

CBS checkBank checks at application — CardHungry never pulls your score

Secured optionUnsecured card only

Card tierGold — mid-tier mass premium

Important: These are indicative eligibility bands from issuer websites. Actual approval depends on the bank's internal score, existing relationship, and current portfolio policy. CardHungry shows bands, not guarantees.

FAQ

How much can I actually earn with DBS Live Fresh Card?+

At moderate spend ($2,400/mo), gross rewards are about $358/year. After the $192 annual fee, net value is approximately $324/year. Use the calculator above to model your own spends.

What is the minimum income for DBS Live Fresh Card?+

$30,000/month for salaried applicants (indicative — bank decides).

What spends do NOT earn rewards?+

Insurance, Government payments, Balance transfers.

Does CardHungry pull my CBS score?+

No. We use public eligibility criteria only. The bank will check CBS when you apply.

How do I get the annual fee waived?+

Spend $10,000 in a calendar year to get the $192 renewal fee reversed.