DBS Live Fresh Card Reviews and Comparison - Seedly
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DBS Live Fresh Card

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  • Reviews (66)
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Credit Cards/DBS Live Fresh Card
Credit Cards/DBS Live Fresh Card

DBS Live Fresh Card

3.5
66 reviews

USER RATINGS

Speed of Approval

4.6

Ease of Fee Waiver

4.5

Customer Service

4.3

DBS Live Fresh Card

Up to 10% on Online, Visa and Transport
CASHBACK
$80
CASHBACK CAP
$600
MINIMUM SPEND

    DBS Live Fresh Card

    Up to 10% on Online, Visa and Transport
    CASHBACK
    $80
    CASHBACK CAP
    $600
    MINIMUM SPEND

Details

DBS Live Fresh Card Review 2020

The DBS Live Fresh Card is a popular option thanks to its myriad of cashback perks spanning transport, entertainment, food, flights and online shopping. Here's a summary of the DBS Live Fresh Card:

  • Up to 5% cashback on Online Shopping and Visa Contactless transactions(Apple Pay, Samsung Pay and Google Pay)
  • New Live Fresh Credit Cardmembers can get exclusive double cashback rate of up to 10% for Online Spend
  • 0.30% base cash back rate for all other spendings and expenses
  • Cashback is capped at S$20 on eligible Online Spend, S$20 on eligible Visa Contactless Spend and S$20 on all other spend for each calendar month
  • Earn 1.85% interest per annum or more when combined with the DBS Multiplier Account (no minimum spend)
  • All-in-one card - doubles up as public transport card via SimplyGo (with 10% cashback on transport spend; more details below)
  • Catered to a younger crowd, not ideal for most working adults

Find out about the card's host of benefits, charges, promotions and eligibility criteria below.

Read More about DBS Live Fresh Card
Reviews (66)

3.5

66 Reviews

  • 5
    9
  • 4
    29
  • 3
    17
  • 2
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  • 1
    5

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  • Updated 1d ago

    Purchased

    DBS Live Fresh Card

    This used to be a great cashback card when the min spend of $600 was not restricted by any spend, only the cashback calculation being affected. As of 1 Oct 2019, t&c were updated and now min spend of $600 only includes retail spend. 5% cashback is not that bad in my opinion, assuming you can hit $600 min spend. I’d consider using this card first if you can hit the min spend, then other no min spend cashback cards.
    0 comments
    0
  • Updated 3d ago

    Purchased

    DBS Live Fresh Card

    Ever since they have changed their cashback/rebate system, I've stopped using it as other banks offer more attractive rates.
    0 comments
    0
  • Updated 2w ago

    Purchased

    DBS Live Fresh Card

    [Cashback Card] [Promotions and Perks] A good product and DBS has a very easy interface overall, almost everything is possible to manage online (including easy fee waivers) including an annual card fee when it starts. A convenient product, you just have to choose the right one depending on your spending and there is an app, that conveniently showing you deals nearby. At the same time, CITI and STanChart are probably the best on the size of a sign-on bonus with participating partners. Look through the categories and see if it works for you, otherwise, user experience is great! It's a keeper!
    0 comments
    0
  • Updated 2w ago

    Purchased

    DBS Live Fresh Card

    The DBS Live Fresh Card is, on first look, a great credit card for young and middle-age consumers whose expenditure mainly revolves around online and contactless spending. However, the card also has a fair share of exclusions in eligible spending categories - insurance, school fees, bill payment etc. While these exclusions apply to credit cards issued by other banks too, the DBS Live Fresh Card has a far higher minimum spend of $600 before cardholders qualify for the cashback. Each tier of cashback is also capped at $20 even though DBS advertises the cashback rate to be 5% (or 10% based on a current promotion). It is virtually impossible for young spenders to meet a minimum spend of $600 without taking into account recurrent spending such as bills and insurance payment. That the bank had deemed school fee payments - including those for online courses - as ineligible spending is also somewhat out of sync with the times, particularly given the surge in demand for reskilling and upskilling arising from the weakening post COVID-19 labour market. Most of these courses are held online through platforms such as Coursera, edX, Udemy and DataCamp, to name a few. Please also take note that the cashback is calculated on a calendar month basis, not statement month. I was once denied the cashback after spending more than $600 over the statement month, but not the calendar month. Needless to say, the bank could have resolved by aligning the two spending periods when setting up the credit card. There is much to be desired from DBS in improving customer experience through simple procedural tweaks. In short: Do not be misled by appearances. Look into the fine prints and carve outs, and decide for yourself if this card still meets your needs.
    0 comments
    0
  • Updated 2w ago

    Purchased

    DBS Live Fresh Card

    [Cashback Card] Good for shopping online and pretty flexible and easy to get support if necessary. The only prob is the promos They run on the dbs lifestyle app for the card does not seem to sync well And my card or account has some issues with the spends not recorded
    0 comments
    0
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DBS Live Fresh Card Benefits

New to credit cards? Here's your complete guide to cashback credit cards.

Key Features and Benefits of DBS Live Fresh Card

These are some features of the DBS Live Fresh Card and the cashback benefits it has to offer.

DBS Live Fresh Card Benefits

What You'll Get

Dining

  • 1- for -1 Dining Deals Islandwide with over 100 merchants
  • foodpanda: $15 off (new users, with min. $30 spend); 20% off (existing users, with min. $30 spend)

Entertainment

  • Golden Village: $3 off Golden Village Gold Class movie tickets; $1 off other GV movie tickets.
  • Holey Moley Golf Club: 20% off mini golf fees
  • Zouk and Phuture: Complimentary entry to Phuture & Zouk before 12am. Valid on Wed, Fri & Sat for first 150 cardmembers per night only
  • All offers are valid till 31 Dec 2019.

Public Transport

  • 5% cashback on contactless transactions (min. $600 spend per month) including train and bus rides

Shopping

  • Escentials: 15% off online (new users); 10% off online (existing users, with min. $100 spend)
  • Lazada: 20% off online (new users); $10 off (existing users, with min. $80 spend)
  • Pomelo.: 15% off at flagship store (all users, with min. $60 spend); 20% off in app (all users, with min. $80 spend)
  • PUMA: 10% off online (all users, with min. $100 spend)
  • SABON: 25% off (new users); 10% off online (existing users, with min. $80 spend)
  • Zalora: 15% off (all users, with min. $100 spend)
  • All offers are valid till 31 Dec 2019

Others

  • Booking.com: Up to 10% cashback on accommodation bookings (valid till 1 Jul 2020)
  • Expedia: 10% off selected hotel bookings (Book by 31 Jan 2020; travel by 30 Apr 2020)
  • Klook: $15 off Klook activities (min. $150 spend; valid till 31 Dec 2019)

DBS Live Fresh Card: Cashback Benefits

Eligibility for DBS Live Fresh Card

  • Be at least 21 years old
  • An income of S$30,000 and above per annum for Singaporeans and PR
  • An Income of S$45,000 and above per annum for foreigner

Fees and Charges for DBS Live Fresh Card

  • Annual Principle Fee: $192.60
  • Annual Supplementary Card fee: S$96.30 for each supplementary card.
  • Fee Waiver: First year annual fee waiver
  • Interest-Free Period: 20 days
  • Charges for Card Transactions: At the prevailing effective interest rate of 26.80% p.a. (subject to compounding if charges are not paid in full), chargeable on a daily basis from the date of transaction until receipt of full payment. A minimum charge of $2.50 applies.
  • Charges for Cash Advance: At the prevailing effective interest rate of 28% p.a. (subject to compounding if charges are not paid in full) on the amount withdrawn, chargeable on a daily basis from the date of withdrawal until receipt of full payment. A minimum charge of $2.50 applies.
  • Minimum Monthly Payment: 3% of the outstanding balance, in addition to: i) the total sum of any overdue minimum payment, ii) late payment charges, and iii) any amount exceeding your credit limit, or S$50 (whichever is greater).
  • Late Payment Charge: A charge of $100 applies for outstanding balances of $50.01 and up, if payment is not received by the due date. For outstanding balances of $50 and below, no charge applies.
  • $0, if the minimum payment specified in the statement is not received by the payment date.
  • Cash Advance Fee: The fee for a cash advance is $5 or 3% of the transaction, whichever is greater.

DBS Live Fresh Card Promotions

  • Stand to earn double cashback on your DBS Live Fresh Card by being the first 10,000 individuals (including existing Live Fresh Cardmembers) to register for the promotion, and spend at least S$1,000
  • Receive an additional 5% cashback on online spend when you hit your spend goal
  • For new users, stand to get Apple AirPods or S$200 cashback when you apply online and spend at least S$2,000 within 60 days of your card approval date. Promotion available from 1 April to 30 June 2020

The Best Credit Cards of 2020 Review: How does DBS Live Fresh Compare

Is DBS Live Fresh Good?

The DBS Live Fresh Card provides a decent 5% cashback on a wide range of activities that the younger crowd partake in. Live Fresh offers cashback in areas of Online Shopping, Public Transport (via SimplyGO), Leisure and Entertainment, and Travel. Total Cashback is capped at S$60 per month, with S$20 max cap in 3 categories of online spend, Visa PayWave and all other spend. It is perhaps ideal as a starter credit card for youths, but definitely not a card majority of working adults would go for as its cashback categories and cap are rather limited. All other spendings give a 0.30% cashback rate, which is a pretty standard basic rate throughout most cashback cards.

Overall, DBS Live Fresh isn't impressive. There are other better credit cards also tailored to suit the lifestyle needs of Millennials like UOB YOLO, CIMB Visa Signature and UOB Preferred Platinum Visa.

Still unsure? Find out everything you need about credit cards - including what the best credit cards in Singapore are for miles and cashback, factors to consider before getting one, fees to know, and why a good credit score matters.

You can also pose questions (anonymously, if you'd prefer) on the Seedly Q&A platform.

Terms and Conditions of DBS Live Fresh Card

Cashbacks will not be awarded on:

  • Payments made via AXS and SAM
  • Payments to educational institutions
  • Payments to government institutions and services (court cases, fines, bail and bonds, tax payment, postal services, parking lots and garages, intra-government purchases and any other government services not classified here)
  • Payments to insurance companies (sales, underwriting and premiums)
  • Payments to financial institutions (including banks and brokerages)
  • Payments to non-profit organizations
  • Payment or top-up of funds to payment service providers, prepaid accounts and any pre-paid accounts (e.g. EZ-Link, NETS FlashPay, Transit Link, Singtel Dash)
  • Interest, finance charges, cash withdrawal, Cash Advance, balance transfer, smart card, bill payments via internet banking and all fees charged by DBS. ix. payments made via telephone or mail order
  • Payments made via online banking
  • Payments to hospitals, professional service providers and payment for parking lots
  • Utility bill payments
  • Payments made to CardUp
  • Transactions related to betting (including casino levy payment, lottery tickets, casino gaming chips, offtrack betting, and wagers at race tracks)
  • Transactions related to crypto currencies (effective 1 July 2018)
  • Any other transactions determined by DBS from time to time.

How to Apply for DBS Live Fresh

About DBS

Singapore bank DBS was founded in 1968, and currently has over 100 branches islandwide. With assets totalling some $518 million (as of end-Dec 2017), DBS is the largest bank in Southeast Asia - of which its primary shareholder is Temasek Holdings. The bank's key areas of focus include consumer banking, asset management, securities brokerage, treasury and debt fund-raising in Singapore and Hong Kong.