DBS Live Fresh Card
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Summary of DBS Live Fresh Card Review 2022
DBS Live Fresh Card is a credit card that caters to the needs of the modern shoppers looking to enjoy cash back on online shopping expenses and contactless transactions. On top of that, eco-conscious shoppers also will enjoy up to 5% Green Cashback on spends at eco-friendly merchants.
Why you should apply for DBS Live Fresh Card?
- Enjoy up to 5% cashback on Online Shopping and Visa Contactless transactions (Apple Pay, Samsung Pay and Google Pay) with the DBS Live Fresh Card
- New Live Fresh Credit Cardmembers can get exclusive double cashback rate of up to 10% for Online Spend
- 10% cashback on transport spend via SimplyGo
Can you enjoy annual fee waiver for DBS Live Fresh Card?
- Yes, the annual fee for the DBS Live Fresh Card of $192.60 (inclusive of GST) is waived for the first year
Who should apply for the DBS Live Fresh Card?
- Savvy shoppers who are big on online shopping and using contactless payment options
- Eco-concious spenders who frequent eco-friendly establishments and transport services
- 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
- Non-Singaporean Minimum Income of S$45,000
Find out about the card's host of benefits, charges, promotions and eligibility criteria below.
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
📣 SIGN-UP BONUS
Get S$150 cashback when you apply with the promo code ‘150CASH’ and make a min. spend of S$800 within 60 days of card approval.
Valid till 31 Jan 2023. T&Cs apply.
3.7
102 Reviews
Service Rating
Speed of Approval
Ease of Fee Waiver
Customer Support
- Posted 08 Apr 2022
Purchased
DBS Live Fresh Card
[Cashback Card] As long as we hit the $600 spending for online and offline spending, inclusive of public transport spending too. The cap of $20 each for online and offline spending means you'll need to balance your spending to maximise cashback. [Promotions and Perks] Got a good sign up bonus of $300 when they were having the promo! Got it pretty fast (~just over a month's time).0
What are your thoughts? - Posted 19 Mar 2022
Purchased
DBS Live Fresh Card
I applied this card before I graduate so i would have a FREE credit card for 5 years (with no annual fee). Have been loving this credit card, it gives me access to promotions offered by certain brands like Love Bonito and Shopee, I would say great card!0
What are your thoughts? - Posted 18 Mar 2022
Purchased
DBS Live Fresh Card
[Fee Waivers] Easy via the DBS helpline. [Promotions and Perks] Got 100$ after 3 months after 500$ purchase when initially applied for the card. [Bill Payment] Very easy via the DBS app. Well laid out app, easy to see and understand. Excellent feature is to convert multiple purchases into no cost EMI for 3/6 months via pay by installments feature. [Customer Service] Quick and efficient. There were some fradulent transactions on my card, quick to pick up the suspicious activity, block the card. The amount was returned within 1 payment cycle. [Cashback Card] Can get max 50$ cashback every month [Others] Good for foreigners, easy to get approval. Lower annual salary limits unlike UOB, BOC, AMEX etc.0
What are your thoughts? - 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? - Good card to hit the rebates min $600 and 2 main categories - paywave and online. You can apply for supp card to help hit the paywave spending. Other newer credit card requires "mobile payment" instead of paywave.. fee wavier is OK. And also can't expect much customer service from a bank that is serving the masses
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 29 Aug 2021
Purchased
DBS Live Fresh Card
One of the best few student credit cards with a spending cap of 500 per month, the 5% cashback for certain merchants are also really good if you spend with the merchants listed0
What are your thoughts?
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Exclusive Rewards
Get S$150 cashback
- Promotion valid only for new DBS/POSB cardmembers
- Enter the promo code 150CASH and make a min. spend of S$800 within 60 days of card approval to be eligible
- Valid till 31 Jan 2023
- Terms and Conditions apply
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 |
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Dining |
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Entertainment |
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Shopping |
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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 2021 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
- Apply Online via DBS official page link above 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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