DBS Live Fresh Credit Card
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3.7
105 reviews
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Summary
DBS Live Fresh Card
Get the most out of your daily spends with the DBS Live Fresh Card, which lets you score up to 6% cashback on your shopping sprees and daily commutes. What’s more, get 0.3% cashback on All Other Spend.
Product Page Transparency
Card Features & Details
1) Key Features
- Enjoy up to 6% cashback on your Shopping & Transport Spend
- Minimum spend of S$800
2) Benefits
Cashback
- Base cashback rate of 0.3% if you spend below S$800 for all other spends
- Earn up to 6% cashback on Shopping & Transport Spend spend when you meet the minimum spend requirement of S$800 per calendar month
- Maximum cashback for shopping is capped at S$50 per calendar month when you meet the eligible minimum spend requirement of S$800
- Maximum cashback for transport is capped at S$20 per calendar month when you meet the eligible minimum spend requirement of S$800
- No minimum spend on all other categories
3) Eligibility
- Age: 21 years old and above
- Minimum annual income: S$30,000 p.a. (Singaporeans/PRs) and S$45,000 p.a. (Foreigners)
4) Fees & Charges
- Annual principal fee: S$196.20 (first year waived)
- Supplementary card annual fee: S$98.10 each
- Late payment fees: S$100
- Repayment grace period: 25 days
- Minimum monthly payment: 3% of statement balance or S$50, whichever is greater
- Cash advance charges: S$15 or 8% of the amount withdrawn
Frequently Asked Questions
Why you should apply for DBS Live Fresh Card?
- Enjoy up to 6% cashback on Shopping be it offline or online, contact or contactless with the DBS Live Fresh Card
- Enjoy up to 6% cashback on transport spend via SimplyGo, public transport, ride-hailing and taxis
- Get unlimited 0.3% cashback on all spend
- Enjoy first-year annual fee waiver
- Enjoy more fresh deals and exclusive perks
- Spending on the card and crediting your salary can earn you 1.80% p.a. or more on your DBS Multiplier account.
Can you enjoy an annual fee waiver for DBS Live Fresh Card?
- Yes, the annual fee for the DBS Live Fresh Card of $196.20 (inclusive of GST) is waived for the first year
Who should apply for the DBS Live Fresh Card?
- Savvy shoppers who do frequent online shopping and often use contactless payment options
- Those looking for an all-in-one card that can double up as an ATM with SimplyGo features
What is the minimum income requirement for the DBS Live Fresh Card?
- Singapore/PR: Minimum Income of S$30,000 p.a.
- Non-Singaporean Minimum Income of S$45,000 p.a.
Find out about the card's host of benefits, charges, promotions and eligibility criteria below.
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Summary
DBS Live Fresh Card
Get the most out of your daily spends with the DBS Live Fresh Card, which lets you score up to 6% cashback on your shopping sprees and daily commutes. What’s more, get 0.3% cashback on All Other Spend.
Product Page Transparency
Card Features & Details
1) Key Features
- Enjoy up to 6% cashback on your Shopping & Transport Spend
- Minimum spend of S$800
2) Benefits
Cashback
- Base cashback rate of 0.3% if you spend below S$800 for all other spends
- Earn up to 6% cashback on Shopping & Transport Spend spend when you meet the minimum spend requirement of S$800 per calendar month
- Maximum cashback for shopping is capped at S$50 per calendar month when you meet the eligible minimum spend requirement of S$800
- Maximum cashback for transport is capped at S$20 per calendar month when you meet the eligible minimum spend requirement of S$800
- No minimum spend on all other categories
3) Eligibility
- Age: 21 years old and above
- Minimum annual income: S$30,000 p.a. (Singaporeans/PRs) and S$45,000 p.a. (Foreigners)
4) Fees & Charges
- Annual principal fee: S$196.20 (first year waived)
- Supplementary card annual fee: S$98.10 each
- Late payment fees: S$100
- Repayment grace period: 25 days
- Minimum monthly payment: 3% of statement balance or S$50, whichever is greater
- Cash advance charges: S$15 or 8% of the amount withdrawn
Frequently Asked Questions
Why you should apply for DBS Live Fresh Card?
- Enjoy up to 6% cashback on Shopping be it offline or online, contact or contactless with the DBS Live Fresh Card
- Enjoy up to 6% cashback on transport spend via SimplyGo, public transport, ride-hailing and taxis
- Get unlimited 0.3% cashback on all spend
- Enjoy first-year annual fee waiver
- Enjoy more fresh deals and exclusive perks
- Spending on the card and crediting your salary can earn you 1.80% p.a. or more on your DBS Multiplier account.
Can you enjoy an annual fee waiver for DBS Live Fresh Card?
- Yes, the annual fee for the DBS Live Fresh Card of $196.20 (inclusive of GST) is waived for the first year
Who should apply for the DBS Live Fresh Card?
- Savvy shoppers who do frequent online shopping and often use contactless payment options
- Those looking for an all-in-one card that can double up as an ATM with SimplyGo features
What is the minimum income requirement for the DBS Live Fresh Card?
- Singapore/PR: Minimum Income of S$30,000 p.a.
- Non-Singaporean Minimum Income of S$45,000 p.a.
Find out about the card's host of benefits, charges, promotions and eligibility criteria below.
Reviews (105)
3.7
105 Reviews
5
24
4
48
3
21
2
6
1
6
Service Rating
Speed of Approval
4.6
Ease of Fee Waiver
4.5
Customer Support
4.3
High to Low
Posted 23 Jan 2023
Purchased
DBS Live Fresh Card
Easy to track spending to maximize cashback because it is based on transaction date and not posting date (out of your control, posting date is merchant dependent). Another plus point, the spending is based on calendar month and not statement month. Good for 5% cashback for contactless and another 5% for online as long as within $400 per calendar month for each category.0
What are your thoughts?Posted 19 Mar 2022
Purchased
DBS Live Fresh Card
I applied this card before I graduate so i would have a FREE credit card for 5 years (with no annual fee). Have been loving this credit card, it gives me access to promotions offered by certain brands like Love Bonito and Shopee, I would say great card!0
What are your thoughts?Posted 22 Feb 2022
Purchased
DBS Live Fresh Card
This is my first credit card and I have bene using it for over 2 years. Basically aim for $30-$40 cashback with $600-$800 spend ($20 cap each for online/offline). While new cards such as OCBC FRANK and UOB EVOL have shadowed this card in terms of benefits, it is a nonetheless a good card to achieve a respectable cashback, especially on top of some DBS Bonus Days / additional cashback campaigns.0
What are your thoughts?Posted 11 Feb 2022
Purchased
DBS Live Fresh Card
DBS is not the best bank in the world for nothing. I guarantee that you will get your credit card the fastest out of any bank in Singapore, the customer support is the only one that is comparable to Amex (i.e. they actually know what they are talking about and you end the convo feeling happy). The card itself loses out to OCBC's Frank and UOB's EVOL slightly but using the physical card is great for the older generation who don't know how to use Apple/Samsung payments, plus the supplementary card is free to apply for unlike the others.0
What are your thoughts?Posted 24 Sep 2021
Purchased
DBS Live Fresh Card
My first credit card as a University student! Applied for the Live Fresh Student Card and I've managed to get cash back on MRT rides (with SimplyGO), and f&b products such as McDonald’s, Starbucks, Golden Village, etc. The good thing about this is that there is no minimum salary/spend, the annual fee is waived for 5 years, which makes it very ideal for students! There is however a credit limit of $500, this ensures that I keep my spendings in check. Overall, it's a good starter credit card for students!0
What are your thoughts?Posted 21 Sep 2021
Purchased
DBS Live Fresh Card
Been using for more than 2 years. [Fee Waivers] I have received waivers for twice. Not sure about its condition, but I am spending around $1000 a month with this card. Fee waivers are done automatically from their website. No human interaction needed. [Cashback Card] Great for daily usage. Contactless spending capped at $20 is too low. No clear details on which items are getting rebates, can only see total cashback received.0
What are your thoughts?Posted 11 Sep 2021
Purchased
DBS Live Fresh Card
Signed up for this card on NUS campus during some promotion and got cashback for the promotion I think. One of the few credit cards that don't require an income declaration and fees waivered for tertiary students so it's a huge "Why-not" for me! Just be aware to pay off the bills timely as you would on a normal credit card because boy, the fees aren't cheap. Also take note to not exceed the card limit too!0
What are your thoughts?Posted 23 Aug 2021
Purchased
DBS Live Fresh Card
One of the best entry level cashback cards in the market! Super useful for eco-spend (i use it a lot for BlueSG), but remember to hit the min. spend per month0
What are your thoughts?Posted 12 Aug 2021
Purchased
DBS Live Fresh Card
Honestly a great card for students to start out with to learn how to handle credit cards as the spending limit is only $500/ month. Cashbacks are also offered on certain purchases. However, one thing to note is to not overspend the limit as you'll be charged $40! So be sure to spend carefully and check that you do not accidentally cross the $500 limit :)0
What are your thoughts?Posted 24 Jul 2021
Purchased
DBS Live Fresh Card
Application via MyInfo was seamless, 5% cashback on Visa Paywave purchases has proven to be very useful0
What are your thoughts?
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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 |
Valid at these restaurants: Taste Paradise, Paradise Teochew, Seafood Paradise, Beauty in The Pot, Paradise Dynasty, Canton Paradise, Paradise Classic, Paradise Hotpot, Le Shrimp Ramen, LeNu and Canton Paradise Noodle & Congee House. Valid till 31 Dec 2024. T&Cs apply. Valid till 30 Dec 2024. T&Cs apply.
Valid till 30 Dec 2024. T&Cs apply.
Valid till 30 Dec 2024. T&Cs apply. |
Play |
|
Public Transport & Travel |
|
Shopping |
|
Sustainable |
|
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: $196.20 (first year waived)
- 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.
The Best Credit Cards of 2022 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 to know 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.
Still have questions? You can ask the Seedly Community (anonymously, if you'd prefer) for their insights and discuss which credit card you should get.
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
- Apply Online via DBS official page or
- Visit DBS Branches
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.
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