DBS Altitude Visa Signature Card Reviews and Comparison - Seedly
 
DBS Altitude Visa Signature Card
4.1
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4.1
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  • Updated 10h ago

    Purchased

    DBS Altitude Visa Signature Card

    I have been using this card for more than 1 year and so far the experience is pretty good. I managed to waive off the annual fee through phone banking and the process is a breeze. The good part about this card is that the points never expired and can be used to redeem vouchers or offset the transactions via DBS lifestyle app. And, it provides complimentary Priority Pass membership which gives 2 free lounge visits within a year.
    0 comments
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  • Posted 1d ago

    Purchased

    DBS Altitude Visa Signature Card

    I applied online and DBS was fast enough to approve and within 3 working days I received the card in my mailbox. Excellent and fast processing. It’s a Great card with miles points to earn
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  • Updated 1d ago

    Purchased

    DBS Altitude Visa Signature Card

    My favourite go-to credit card for everyday purchases because it makes earning miles very straight forward and is one of the cards with some of the best miles earning rate. I use this card for almost everything from my online subscriptions to bills, Grab rides, online shopping to even paying for my bus and mrt rides now. Definitely would love it even more if there are more regular promotions and perks every now and then since I use this card for basically almost everything, but hey nobody's complaining when the miles you're earning per dollar spent is actually pretty decent. Best part of it all? Your miles NEVER EVER expire.
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  • Posted 1d ago

    Purchased

    DBS Altitude Visa Signature Card

    Try out the card because that the miles do not expire and fee waiver service was a lot better user experience
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  • Posted 1d ago

    Purchased

    DBS Altitude Visa Signature Card

    This is my daily driver miles card for the past few years. The best thing is the miles do not expire as they are stored as DBS points in DBS system (unlike other cards like AMEX Krisflyer). However, you have to pay a small admin fee whenever you want to convert to miles. 1.2 mile per dollar is quite standard. The better deals are 2 miles for overseas spending and 3 miles and above for certain online websites. Also, fee waiver is not too difficult.
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  • Posted 1d ago

    Purchased

    DBS Altitude Visa Signature Card

    [Miles Card] Great to earn miles and redeem with SQ! Overseas usage is not great, as the exchange rate is quite high, but EXCELLENT to use in Singapore
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  • Posted 2d ago

    Purchased

    DBS Altitude Visa Signature Card

    [Miles Card] good for overseas use to earn miles. not great on miles for local spend - great rewards to exchange miles for otherwise
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  • Posted 3d ago

    Purchased

    DBS Altitude Visa Signature Card

    A good credit card for young working adults, as one is able to rack up DBS points (that won't expire) with high expenditures incurred with the card, to either convert them to KrisFlyer miles (SIA plane tickets) or offset expenses via the DBS Lifestyle app! Also, the speed of approval is fast, and fee waivers are alright too.
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Questions (30)

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Milelion

Miles

Citi PremierMiles Visa Card

OCBC 90 Degrees N Credit Card

DBS Altitude Visa Signature Card

Hi anon In no particular order, here are the salient points of each card: - Citi: Most transfer partners, lounge access, accelerated mpd on agoda/expedia/kaligo (useful if you book hotels for others, or for work, and are reimbursed) - OCBC: Smaller transfer blocks to your FFP, no fees for transfer, accelerated mpd on overseas spend (for now, till Feb 2020), accelerated mpd on hotel bookings, but no lounge access. - DBS: Accelerated mpd on airline and hotel bookings, lounge access All cards listed don't have expiry on their miles, and renewing them will give you bonus miles. I'd say all are equally good, but Citi has a slight edge in this aspect due to the increased number of transfer partners. I would compliment my card portfolio with a specialised 4mpd card on the category that you spend the most on a regular basis in order to maximise my earnings.

Credit Card

DBS Multiplier

DBS Altitude Visa Signature Card

DBS Live Fresh Card

If you don't meet the requirement for the live fresh rebate, then at the very least, DBS miles don't expire, so an Altitude card should be better. You can accumulate the points for an aspiration redemption years down the road. Take it from me, I built a 6 digit stash of miles from years ago not knowing what to do with them, but then 4 years down the road I managed to make good use of them.

DBS Altitude Visa Signature Card

Credit Card

Hi anon, You can try to get your annual fees waived on the second year, but paying the annual fee gets you DBS points which can be converted to miles, so that offsets part of the annual fee, depending on how you value your miles. The key pointers which I find the Altitude card useful for are - 3mpd on hotel/flight bookings (cap of $5K/mth) - Miles earned do not expire - Up to 10 mpd on certain online travel bookings (e.g. kaligo) - Priority pass The waiver does depend. Don't expect a waiver if you didn't spend on the card for the preceding year.

DBS Altitude Visa Signature Card

Credit Card

Elijah Lee
Elijah Lee
Top Contributor

Top Contributor (Oct)

Level 10. Unicorn
Answered 4w ago
Hi anon, If you don't meet the requirement, you will likely need to apply for a secured credit card. This means that you will need to put down a fixed deposit (usually around $10,000) to act as collateral. Your credit limit will then be limited to the amount that you have put in the fixed deposit. I would say that if your income is very close to the requirement, do try to apply online first, you might be granted the card. However, if it is not granted, you will probably need to head down to a DBS branch in person to apply for the secured version.

Credit Card

DBS Altitude Visa Signature Card

OCBC 90°N

Citi PremierMiles Visa Card

Hi anon, I find that Citi PM tends to have promotions that run only for existing cardholders, so you might want to hold on to the card. Also, Citi Miles has the largest range of transfer partners and hence are more valuable in my opinion. For Altitude and 90, they tend to be offering better deals for new-to-bank customers. Edit: PM and Altitude both have lounge access, while 90 does not, but has smaller conversion blocks when transferring miles. Altitude also has 3mpd on online airfare and I think hotels too. PM has good hotel promos (7/10mpd) with Agoda/Expedia/Kaligo, but you need to do your maths to see if it is worth it. Use this as a guideline as to decide which card would serve you best. The rest of the perks of the various cards won't make or break the deal for me.

Credit Card

DBS Altitude Visa Signature Card

Miles

Transport

Citi Rewards Credit Card

Gabriel Choo
Gabriel Choo, Finance at University College Dublin
Level 3. Wonderkid
Answered on 06 Oct 2019
Hi, I guess you are referring to credit cards for EZ-link transactions? There's Citi SMRT card, Stardard Chartered unlimited cashback credit card and DBS live fresh card that comes with rebates and EZ-reload. Hope that helps.

Credit Card

Lifestyle

DBS Altitude Visa Signature Card

DBS

Finance Savvy

Grab

Miles

Aik Kai
Aik Kai
Level 6. Master
Answered on 09 Oct 2019
The answer is yes to your main question and no to your sub-question. There is currently a promotion going on whereby you earn 4mpd by using your DBS altitude card to pay for Grab rides till 31st Dec 2019 but NOT top-up. Top up is still the normal 1.2mpd. Registation required though: https://www.dbs.com.sg/Contact/dbs/cards/altitude-4mpd-promotion/default.page

DBS Altitude Visa Signature Card

Credit Card

Melvin Soh
Melvin Soh
Level 3. Wonderkid
Answered on 22 Sep 2019
1) Feel free to sign up for both - you can - unless you have a philosophical objection towards too many cards. 2) Please re-read the TNCs regarding bonus miles on flights, and while you're at it, on the AMEX promotion too. This helps you to know your rights. 3) Note that it's generally harder to spend using an AMEX in Singapore. And if this is going to be your general spending card, you need to consider that.

Credit Card

Miles

DBS Altitude Visa Signature Card

MileLion's article tends to be back up by research and actions by the founder and his team. I will trust it as much. And it is in DBS Website. (you can find the link in the MileLion article you shared) https://www.dbs.com.sg/personal/promotion/online-account-opening In the first table, top right corner :- receive 5,000 DBS Points (worth 10,000 miles) You must be a DBS altitude cardmember Whether its worth it or not depends on how much you price the mile. Have a good flying journey! ^.^

DBS Altitude Visa Signature Card

Credit Card

Lifestyle

Aik Kai
Aik Kai
Level 6. Master
Answered on 22 Aug 2019
The bank staff is correct. It depends on the payment gateway, which is hard to know, really. If a foreign company use a local bank to process our payments, it is a local spend, even though you seem to be paying in foreign currency. If they use a foreign bank to process the payment, then it is considered overseas spend. And as far as I know, they are not obliged to tell you. For me, I subscribe to the New York Times and it is confirmed that the payment is processed by a foreign bank as I received the points for overseas spent. My suggestion is to go ahead and try it out. DBS can only know if the payment gateway is overseas or local when your card is charged as they can trace the charge. Hope this helps!
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About DBS Altitude Visa Signature Card
Card NameDBS Altitude Visa Signature Card
Local Miles RateS$1 = 1.2 Miles
Special Miles RateOverseas: S$1 = 2 Miles Selected Online: S$1 = 3 Miles
HighlightsDaily spending

Eligibility for DBS Altitude Visa Signature Card

  • Ages 21 and above
  • Singaporeans and PR; Minimum annual income of $30,000
  • Foreigners; Minimum annual income of $45,000

Fees and Charges for DBS Altitude Visa Signature Card

  • Annual Principle Fee: $192.60
  • Annual Supplementary Card fee: $96.30
  • Fee waiver: 1 year
  • Interest-Free Period: 20 days  
  • Annual Interest Rate: 25.90%
  • Minimum monthly payment: 3% or $50, whichever is higher
  • Late payment charge: $100
  • Cash advance fee: 6% or $15, whichever is higher
  • Overlimit fee $40
  • Foreign currency transaction fee: 2.8%

Key features of DBS Altitude Visa Signature Card

  • $1 = 3 miles on online flight & hotel transactions (capped at $5,000 per month)
  • $1 = 2 miles on overseas spend in foreign currency
  • $1 = 1.2 miles on local spend
  • Miles never expire (awarded in the form of DBS points, frequent flyer programs such as KrisFlyer and AsiaMiles)
  • 1 DBS point = 2 miles
  • Complimentary Global Airport Lounge Access
  • Visa Digital Concierge; An app that allows card users to access a whole range of privileges

Terms and conditions of DBS Altitude Visa Signature Card

  • Annual fee waiver will be automatically implemented if user’s past 12 months spend is $25,000 or more. However, the card user will not be eligible for the 10,000 bonus miles.
  • 5,000 DBS points (10,000 miles) will be credited to the Principal Card account 3 months after the annual fee is charged.
  • The annual DBS Frequent Flyer Programme (FFP) fee of $42.80 (including GST) is applicable and non-waivable. Enrolment in FFP is needed to convert your DBS Points to air miles.
  • Principle and Supplementary card spendings will be consolidated for the calculation of Qualifying Spending.

For more information, you can visit DBS Altitude Card’s page here.