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

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  • Reviews (61)
  • Questions (18)
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Credit Cards/DBS Live Fresh Card

DBS Live Fresh Card

3.5
61 reviews

USER RATINGS

Read reviews

Speed of Approval

4.6

Ease of Fee Waiver

4.6

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

Highlights of DBS Live Fresh Card

  • Up to 5% cashback on online shopping and Visa payWave purchases (Apple Pay, Samsung Pay and Google Pay)
  • 0.3% for all other spendings and expenses
  • Doubles up as public transport card via SimplyGo (with 10% cashback on transport spend; more details below)
  • Earn 1.85% interest per annum or more when combined with the DBS Multiplier Account (no minimum spend)

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

Read More about DBS Live Fresh Card
Reviews (61)

3.5

61 Reviews

  • 5
    10
  • 4
    27
  • 3
    14
  • 2
    5
  • 1
    5

Read Review About...

card cashback

credit card

minimum spend

600 spend

dbs multiplier

multiplier account

card spend

cashback cap

paywave online

online spend

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  • Updated on 25 Feb 2020

    Purchased

    DBS Live Fresh Card

    Have only been using it once a month to hit my mutiplier account requirement. Might use it more when there are better changes in the future
    0 comments
    0
  • Updated on 30 Jan 2020

    Purchased

    DBS Live Fresh Card

    [Cashback Card] Good thing is that it can be my one card for everyday use. Contactless and online payment is basically 95% of my payments modes. However, the $20 cap for online and contactless categories makes it a very stingy card. The thought of whether i have hit the cap for the categories is always nagging at me, making it a cost. Im considering switching my everyday card to the Safra cc because it doesn’t have such bs. Though safra rebates have to be manually triggered and tracked through the desktop portal. The 0.3% category is useless, essentially making this a $40 cap/month card. [Customer Service] I am conflicted because of how good DBS service is. DBS knows this and that’s why they can afford to spend less on card rebates. If any issues arise, the assurance of knowing it will be resolved simply by laying on the bed texting their CSO on live-chat at the end of a long day makes the lower rebates worth it for me.
    0 comments
    0
  • Updated on 29 Jan 2020

    Purchased

    DBS Live Fresh Card

    DBS Live Fresh card is my only credit card with DBS and so far so good, I quite like it. Just a short background - I wanted a credit card with DBS to supplement my Multiplier account. There are several reasons why I chose this [Cashback Card] over other DBS/POSB credit cards: 1. Relatively low min. spending of $600. This is in comparison to similar cards such as OCBC 365. 2. Favors online and contactless spending. 5% cashback with a cap of $20 per category. SimplyGo for public transport counts towards eligible spending. 3. [Useful For...] Adds to the interest tier for Multiplier account. This is a [Card Hacks] - you can spend even just $1 a month to any linked credit card and they'll consider it as meeting the spending category! The only glaring downside of the card I have is that it is advertised to give up to 5% cashback or $60 per month. While this is not entirely wrong, the realistic cashback that one will get is probably lesser because of the cap of $20 per category (Online, Contactless, Others) and that "other spending" only gives you 0.3% cashback. For one to get the full $60 cashback, one has to spend $400 on Online, $400 on Contactless and a whooping $6670! However, this can be easily averted by charging only Online Contactless spending to DBS Live Fresh. Would recommend this card for people who are going cashless and do more online shopping than visiting physical stores.
    0 comments
    0
  • Updated on 26 Jan 2020

    Purchased

    DBS Live Fresh Card

    A very basic product from DBS/POSB nothing special about the card. [Cashback Card] For cashback card, this is not the greatest card out there. Very limited option for cash back. Citibank Cashback card would be much better. [Promotions and Perks] Almost none existance [Bill Payment] If your purchase is eligible for (installment plan) you could get up to 12 months with 0% interest rate/fee. This is possibly one of the only plus point of this card. [Useful For...] Hitting the 'credit card spending' category with DBS multiplier.
    0 comments
    0
  • Updated on 21 Jan 2020

    Purchased

    DBS Live Fresh Card

    The application process is pretty easy especially if you are already a POSB/DBS account holder. It's a standard cashback card that's useful for everyday usage for young working adults such as for online purchases and paywave. However, the limit per category makes it quite a restrictive card. It's more troublesome to have to track the amount of money you've spent for the month, as once you're over the limit for the category the remaining cashback is next to nothing.
    0 comments
    0
Questions (18)

Recent Activity

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DBS Safra Card

DBS Live Fresh Card

DBS

Credit Cards

Brandon Ho
Brandon Ho, Community Lead at Seedly
Top Contributor

Top Contributor (Feb)

Level 6. Master
Answered on 25 Feb 2020
Hi Anon, This is quite an interesting choice of cards to compare, I'll do my best to list out their pros and cons! DBS Fresh Live Card: - 5% cashback on online shopping spend - 5% cashback on Visa payWave purchases (Apple Pay, Samsung Pay, Google Pay, etc) - All-in-one card (cashback, ATM, EZ-Link functionality) - Automatically enrolled in EZ-Reload - Receive 8% rewards on online spend; rewards inc. cash rebate & e-vouchers from foodpanda, Lazada & RedMart (Current Promotion) - Earn S$100 cashback w/ S$600 spend in 1st month (Current Promotion) - Earn an extra +5% cashback on transport spend for 3 months with a min. spend of S$600/month (Current Promotion) - $128.4 Annual fee, only waived for 1st year - Only 0.3% cashback on general spend - S$600 minimum spend to unlock higher rates- if you fail to hit this, it'll be a standard 0.3% cashback rate. - Cashback capped at S$20 per category (S$60 total/month) The DBS Fresh Live Card is quite an attractive card due to the convenience the card brings. It's one of those all-in-one cashback cards that you can use for pretty much anything, and still get a pretty decent rate of 5%- as long as you use paywave. It's great for both online and offline payments, and hence if you'd want to only have one cashback card in your wallet to use for everything, this may be it! DBS SAFRA Card - 3% cash rebate on your local Mastercard contactless transactions (including bus/train rides via SimplyGo ); - 3% cash rebate on online transactions; and - 0.3% cash rebate on all other retail transactions - $500 minimum spend to qualify for these^ - Every dollar spent at participating outlets and facilities at SAFRA earns you 1 SAFRAPOINT, on top of the Credit/Debit cash rebates. - Access to all SAFRA facilities - You have to be an existing SAFRA member to apply If you live near a SAFRA and plan to use their amenities, then maybe this would be a worthwhile card to get! It has a decent cash rebate rate on most transactions, and the $500 minimum spend shouldn't be too hard to reach. However, the biggest drawbacks would be your rebates being in the form of SAFRA$, and the fact that you have to already be an existing member. Thus, it's really only worth getting this card if you are extremely active in a SAFRA, if not I'd definitely bypass it. Hope this helps!
👍 3

Miles

UOB Preferred Platinum Visa Card

HSBC Revolution Credit Card

DBS Live Fresh Card

MileLion

DBS Multiplier Account

Credit Cards

Hi anon, Looks like you are on the right track. I see that you are maximizing 4mpd spend so you know what your common spend categories are, and you'll also want to add on a general spend card in time to come for non-specialized spending. Keep reading the miles bloggers and you'll do fine in time to come.
👍 3

GrabPay Card

DBS Live Fresh Card

Tee-Ming Chew
Tee-Ming Chew, Co-founder at Seedly
Level 6. Master
Updated on 21 Jan 2020
From my personal experience, GrabPay Mastercard is best paired with UOB One Card because you get up to 10% rebate on GrabPay topup. But as mentioned by JY, GrabRewards is going through some revaluation so it is no longer that attractive from 2 March 2020 onwards. I will still use GrabPay Mastercard with my UOB One Card as the Grab rebate is still very attractive to me even without the GrabRewards (hopefully they don't kill it). If you're just considering between DBS Live Fresh Card and GrabPay Mastercard, I would say GrabPay Mastercard is not that attractive as a standalone without the UOB One Card. Hope that helps!
👍 1

SG Budget Babe

DBS Live Fresh Card

Cashback

Junus Eu
Junus Eu
Level 9. God of Wisdom
Answered on 10 Dec 2019
Standard chartered unlimited cashback card!
👍 5

DBS Live Fresh Card

Credit Cards

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.
👍 2

DBS Live Fresh Card

Cashback

Grab

Credit Cards

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.
👍 1

DBS Live Fresh Card

Grab

Cashback

Credit Cards

C
Chuan
Level 3. Wonderkid
Answered on 24 Dec 2019
Top up counts toward S$600 min spend(and award 0.3%) but won't give 5% as online spend
👍 0

YouTrip

Multi Currency Cards

DBS Live Fresh Card

Payments

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...
👍 1

DBS Altitude Visa Signature Card

DBS Live Fresh Card

DBS Multiplier Account

Credit Cards

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.
👍 5

DBS Live Fresh Card

Credit Cards

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.
👍 6
Load more questions

DBS Live Fresh Card

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

DBS Live Fresh Card Benefits

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

Eligibility for DBS Live Fresh Card

  • Be at least 21 years old
  • 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: $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.

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

  • ChopeDeals: $9 off (new users, with min. $120 spend); $14 off (existing users, with min. $90 spend)
  • foodpanda: $15 off (new users, with min. $30 spend); 20% off (existing users, with min. $30 spend)
  • RedTail by Zouk: 1-for-1 beer and house pours. Valid on Wed, Fri & Sat from 10pm to 2am only (no PHs)
  • All offers are valid till 31 Dec 2019.

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

DBS Live Fresh Card Promotions

New DBS/POSB cardmember sign-ups enjoy:

  • $100 cashback upon successful application, and
  • 10% cashback* on everyday rides^ for the first 180 days from card approval date
  • For both offers, a collective minimum spend of $600 within 30 days from your card approval date is required.
  • * 10% cashback offer is only valid for sign-ups before 31 Mar 2020.
  • ^ Everyday rides include Comfort/CityCab Taxi, Grab (not including GrabPay), GOJEK, and bus and MRT rides using SimplyGo.

Terms and Conditions of DBS Live Fresh Card

Cashbacks are not 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.

DBS Contact Info

  • Loss of ATM card(s): 1800 339 6963 (SG) or +65 6339 6963 (if overseas)
  • Banking and general enquiries: 1800 111 1111 (SG) or +65 6327 2265 (if overseas)

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.

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.

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