Which card has the lower annual fee?

POSB Everyday Card has a $0 annual fee (lifetime free or zero-fee tier).

Which card earns more on moderate spend?

OCBC 90°N Card leads with an estimated $375/yr net annual value on moderate spend.

Which card has the lower income requirement?

DBS Live Fresh Card lists a minimum monthly income of $30,000.

Does this comparison pull my credit score?

No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

Side-by-side · honest numbers

DBS Live Fresh Card vs POSB Everyday Card vs OCBC 90°N Card

Honest side-by-side comparison of DBS Live Fresh Card, POSB Everyday Card, OCBC 90°N Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

Same spend profile for all cards. How we calculate net annual value

At a glance (moderate spend)

Quick verdict: On moderate spend, OCBC 90°N Card ranks first for estimated net annual value — ahead of DBS Live Fresh Card by about $51/yr.

DBS Live Fresh Card vs POSB Everyday Card vs OCBC 90°N Card comparison table
Feature	DBS Live Fresh Card DBS	POSB Everyday Card DBS	OCBC 90°N Card OCBC
Fees & eligibility
Annual fee	$192	Lifetime free	$194
Fee waiver threshold	Waived at $10,000/yr spend	Lifetime free	No waiver published
Min income	$30,000/mo	$30,000/mo	$50,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	$324/yr	$42/yr	$375/yr
Online shopping	5% cashback → $25/mo ($300/yr)	—	—
Travel	—	—	2.1 pts per $1 spend → $11/mo ($136/yr)
Top reward rate	5%	0.3% cashback	2.1 miles/S$1
Primary reward cap	$60 rewards/mo cap	No monthly cap published	$800 eligible spend/mo
Key exclusions	Insurance · Government payments · Balance transfers	Insurance · Government payments · Balance transfers	Insurance · Government payments · Balance transfers
Bonuses
Signup bonus	—	—	—

Frequently asked questions

Which card has the lower annual fee?: POSB Everyday Card has a $0 annual fee (lifetime free or zero-fee tier).
Which card earns more on moderate spend?: OCBC 90°N Card leads with an estimated $375/yr net annual value on moderate spend.
Which card has the lower income requirement?: DBS Live Fresh Card lists a minimum monthly income of $30,000.
Does this comparison pull my credit score?: No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

Customize your spend

Change spend profile or swap cards — results update live below.

Card 1

DBS Live Fresh Card

DBS

Card 2

POSB Everyday Card

DBS

Card 3

OCBC 90°N Card

OCBC

Your adjusted comparison

Feature	DBSGold DBS Live Fresh Card •••• •••• •••• 4242 Quick facts DBS Live Fresh Card Top reward5% Annual fee$192 Min income$30,000/mo Tap to flip back DBS Live Fresh Card DBS	DBSClassic POSB Everyday Card •••• •••• •••• 4242 Quick facts POSB Everyday Card Top reward0.3% cashback Annual feeLifetime Free Min income$30,000/mo Tap to flip back POSB Everyday Card DBS	OCBCPlatinum OCBC 90°N Card •••• •••• •••• 4242 Quick facts OCBC 90°N Card Top reward2.1 miles/S$1 Annual fee$194 Min income$50,000/mo Tap to flip back OCBC 90°N Card OCBC
Fees & eligibility
Annual fee	$192	Lifetime free	$194
Fee waiver threshold	Waived at $10,000/yr spend	Lifetime free	No waiver published
Min income	$30,000/mo	$30,000/mo	$50,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	$324/yr	$42/yr	$375/yr
Online shopping	5% cashback → $25/mo ($300/yr)	—	—
Travel	—	—	2.1 pts per $1 spend → $11/mo ($136/yr)
Top reward rate	5%	0.3% cashback	2.1 miles/S$1
Primary reward cap	$60 rewards/mo cap	No monthly cap published	$800 eligible spend/mo
Key exclusions	Insurance · Government payments · Balance transfers	Insurance · Government payments · Balance transfers	Insurance · Government payments · Balance transfers
Bonuses
Signup bonus	—	—	—

DBS Live Fresh Card details →POSB Everyday Card details →OCBC 90°N Card details →

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At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More DBS Live Fresh Card comparisons