DBS Live Fresh Card Reviews and Comparison - Seedly
 
DBS Live Fresh Card
3.4
33 reviews
Read more reviews of credit cards
Reviews (33)
3.4
Reviews (33)
3.4
  • 5
    7
  • 4
    13
  • 3
    5
  • 2
    3
  • 1
    5

Read reviews that mention

card cashback

minimum spend

multiplier account

card spend

cashback cap

month cashback

credit card

600 spend

dbs multiplier

paywave online

Most Recent

  • Most Helpful
  • Most Recent
  • Low to High
  • High to Low
  • Posted 1h ago

    Purchased

    DBS Live Fresh Card

    The application through the app kept getting rejected for me. However, the customer service hotline was helpful in redirecting me to a different application method which was successful. All is good so far.
    0 comments
    0
  • Posted 2h ago

    Purchased

    DBS Live Fresh Card

    [Cashback Card] Standard cash back card. Only good for purchase up to 600. No other perks worth mentioning. Most rewards are aimed at youths.
    0 comments
    0
  • Updated 2h ago

    Purchased

    DBS Live Fresh Card

    Online transaction ($20) and contactless ($20) - 5% Others ($20) - 0.3% Minimum spend - $600 This means you can only spend for each category $400. Good if you normally spend around $200 to $400 for the 5% category to hit the minimum. Otherwise, a general spending card like UOB One would be more suitable. Good if you have a DBS Multipler Account (hit 1 criteria) for more interest.
    0 comments
    0
  • Posted 4h ago

    Purchased

    DBS Live Fresh Card

    I really like the card, I get some cash back every month which is great! The trouble to switch from the current DBS card to this card was a bit hustle, I ended up using both new and old. I wish it was easier.
    0 comments
    0
  • Posted 4h ago

    Purchased

    DBS Live Fresh Card

    This is a good card for those who use a lot of paywave transactions and online transactions. However, the capping is low ($20 for the 2 categories - paywave and online transactions and $20 for others spend). The main reason why I own this is because of the credit card category for DBS multiplier account and the fact that there is free entrance to Zouk and Phuture. *First 150 customers and excluding PHs and eve of PHs. Its a good card to have but it ticks me a little that some restaurants still do not have paywave and I cant make full use of my 5% cashback.
    0 comments
    0
  • Posted 5h ago

    Purchased

    DBS Live Fresh Card

    I like this card because it's very easy to track my spending to get cashbacks with the card. I can usually get $40 cashback monthly from my PayWave and Online Spendings. It also gives great interest rate when use in combination with multiplier account. Recently I had to call in to waive a late payment fee because I have not set up my GIRO for the card. The experience was seamless - i just had to request it through the automated call and it was confirmed through sms after about 3 days.
    0 comments
    0
  • Posted 5h ago

    Purchased

    DBS Live Fresh Card

    Earn up to 10% cashback on your Transport spend (includes bus, train and taxi rides, and even ride-hailing services) with a minimum spend of S$600 per calendar month for the first 180 days from Card Approval Date Earn 5% cashback on Online & Visa contactless spend with a minimum spend of S$600 per calendar month Earn 0.3% cashback on all other spend All-in-one card: Use the same card for your bus and train rides, and ATM withdrawals Enjoy 1-year annual fee waiver Earn up to 10% cashback on your Transport spend (includes bus, train and taxi rides, and even ride-hailing services) with a minimum spend of S$600 per calendar month for the first 180 days from Card Approval Date Earn 5% cashback on Online & Visa contactless spend with a minimum spend of S$600 per calendar month Earn 0.3% cashback on all other spend Earn 5% cashback when you pay for your groceries at supermarkets via Visa contactless with a minimum spend of S$600 per calendar month Earn 5% cashback when you purchase your groceries online (e.g. Redmart, Honestbee) with a minimum spend of S$600 per calendar month Entertainment Very Good Earn 5% cashback on entertainment spend when you pay online or via Visa contactless with a minimum spend of S$600 per calendar month Complimentary entry to Zouk & Phuture before 12am1 1Valid every Wednesday, Friday and Saturday till 31 Dec 2019. Limited to the first 150 pax per regular night. Not valid on special guest DJ nights, eve of and on Public Holidays
    0 comments
    0
  • Posted 6h ago

    Purchased

    DBS Live Fresh Card

    The cash back was good. But I thought the cash back amount and how it was derived is not very clear.
    0 comments
    0
Questions (16)

Recent Activity

  • Recent Activity
  • Unanswered
  • Trending

Miles

Credit Card

UOB Preferred Platinum Visa Card

HSBC Revolution Credit Card

DBS Live Fresh Card

DBS Multiplier

Kelvin Chin
Kelvin Chin
Level 4. Prodigy
Answered 6d ago
No huge monthly spending nor a traveler, maybe cashback cards are more suitable. Personally I am fresh into the workforce only.

YouTrip

Multi Currency Cards

DBS Live Fresh Card

You mean like the linked Iinstalment Payment Plan below? https://www.dbs.com.sg/personal/cards/card-services/payment-plans YouTrip isn't one of the listed providers, so it would fall under the DIY My Instalment Plan - while they say "no interest" there is an upfront fee which effectively make this a loan. To be fair, DBS is quite transparent with the Effective Interest Rate (EIR), so just look at website to see cost... This doesn't seem like a good idea...

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 Multiplier

DBS Live Fresh Card

Credit Card

Lifestyle

Hi anon, The Live Fresh student card comes with no fees for 5 years, so no worries about forgetting to pay the fee. A credit card basically works on 'credit', meaning the bank 'credits' you money when you spend first, and then you have to pay them back when the bill is due (it's a monthly cycle). One of the benefits is 0.3% cashback (uncapped), along with other promotional tie-ups with other brands. For example, if you buy GV movie tickets with cash from Monday to Wednesday, you might pay $10. Pay with the card, and you get a dollar off. Yes, it's that simple. So check out the list of deals/merchants that the card has in order to maximize it. Just remember to pay the bill. You have to pay at least 3% of the monthly statement balance (or S$50, whichever is greater) but you should pay in full. The problem comes when you don't. That's when interest piles up and compounds and debt becomes unmanageable. Don't get a credit card if you are not sure that you can pay off the bills in full. I cannot stress this enough. I assume you are working part-time? Your salary minus off expenses leads to decent cash flow, and the credit limit of the card is $500, so you will likely not overspend since your credit limit is capped. Yes, DBS credit card spend will count towards a higher interest in the Multiplier account. You'll have to do the maths to see if it's worth.

Credit Card

DBS Live Fresh Card

Cashback

Grab

Pat
Pat
Level 5. Genius
Updated on 01 Jul 2019
If you top up your grabpay wallet, it doesn’t count. If you pay for grab rides using your live fresh card, it counts.

Credit Card

DBS Live Fresh Card

Grab

Cashback

If I am not mistaken, tops up to Grab with DBS cards are no longer earning credit card points. :)

DBS Live Fresh Card

Credit Card

Although I don't hold any DBS cards, you can waive the fee online via https://www.dbs.com.sg/personal/support/card-waive-credit-card-cashline-charges.html If that doesn't work, calling in and asking for a waiver will usually work. Banks are usually quite generous in waiving the fee, provided that you have been paying off your bills in full.

Credit Card

DBS Multiplier

DBS Altitude Visa Signature Card

POSB Everyday Card

DBS Live Fresh Card

Fresh Graduates

Yong Kah Hwee
Yong Kah Hwee
Level 8. Wizard
Answered on 21 Aug 2019
Most cashback cards require you have had minimum spending before you can get the cashback. As for the DBS Altitude, if you don't think you can hit that amount, then don't force yourself to. There's no need to take advantage of the promotion; the card benefits are good enough (in my opinion at least).

Credit Card

Bank Account

DBS

DBS Multiplier

DBS Live Fresh Card

POSB Everyday Card

Hi there, if you are opening a DBS multiplier account, you really should pair it with a credit card to earn the bonus interest. Between those two cards, it doesn't matter too much, but be aware that the cash backs are subjected to various limits and criteria, and the annual fee is also payable (although you should be able to waive it). An alternative is to consider a miles card like DBS Altitude where you can earn miles on your first dollar with no restriction and save them up for aspirational travel. Annual fee payment on a miles card will also earn you additional miles.

Credit Card

DBS Live Fresh Card

Cheryl Teng Sze Hui
Cheryl Teng Sze Hui
Level 4. Prodigy
Answered on 25 Jun 2019
Same! I think the breakdown is so not clear, especially for my VISA contactless expenses.
Load more questions
About DBS Live Fresh Card
Card NameDBS Live Fresh Card
Age Eligibility 21 years old and above
Cashback Rate2-5%
Monthly Cashback Cap$60 per month
Monthly Min Spend $600
Highlights Online shopping including GRAB rides

Eligibility for DBS Live Fresh Card

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

Fees and Charges for DBS Live Fresh Card

  • Annual Principle Fee: $128.40
  • Annual Supplementary Card fee: S$64.20 for each supplementary card.
  • Fee waiver: First year annual fee waiver
  • Interest Free Period: 20 days
  • Annual Interest Rate: At the prevailing effective interest rate of 25.90% p.a. subject to compounding; or 29.99% p.a. subject to compounding in the event that your account has three or more defaults~ and/or one default~ which remains unpaid for two or more consecutive months in the last 12 months.
  • Minimum monthly payment: The minimum payment amount due on a statement of account is 3% of the outstanding balance plus the total sum of any overdue minimum payment and late payment charges, and any amount exceeding your credit limit, or S$50. Whichever is greater.
  • Late payment charge: S$90 if the Minimum Payment specified in the Statement is not received by us by the Payment Date.
  • Cash advance fee: The fee for a cash advance is $5 or 3% of the transaction, whichever is greater

Key features of DBS Live Fresh Card

  • 5% Cashback on Online Shopping and Visa payWave purchases (Apple Pay, Samsung Pay and Google Pay)
  • 0.3% for all other spendings and expenses
  • Receive up to S$200 cashback for new customers

Terms and conditions of DBS Live Fresh Card

Cashback will not be awarded for the following:

  • 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.