Does DBS multiplier come with a debit card or do I have to apply separately? Also, can I apply for a DBS credit card if I am on 6 month contract job?

The default debit card that comes with DBS Multiplier account is the DBS Visa Debit card, if you don't already have it with your existing DBS/POSB account.

You can apply for a DBS credit card as long as you can produce either one of the following:

1. Latest 12 months' CPF Contribution History Statement

2. Latest Notices of Assessment

3. Latest Computerised Payslip

Credit card application will require the furnishing of proof of income based on past CPF contribution or payslips which will then determine if your estimated annual salary meets a certain threshold(usually $30k per annum for Singaporeans). They do not really factor in your job security or require a projection of your future income.

Links:

https://www.dbs.com.sg/personal/ibanking/faq/cc...​​​