facebookDBS Live Fresh Credit Card Ratings Oct 2024

DBS Live Fresh Credit Card

  • Key Features
  • Reviews (106)
  • Discussions (0)
  • More Details

Advertisement

claimed
Unclaimed

This product has not been claimed by the company yet.

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  • Cash advance charges: S$15 or 8% of the amount withdrawn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.

...see more

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.

...see more

DBS Live Fresh Card

Up to 6% on Shopping and Transport
CASHBACK
S$70
CASHBACK CAP
$30,000
MINIMUM ANNUAL INCOME

DBS Live Fresh Card

Up to 6% on Shopping and Transport

CASHBACK

S$70

CASHBACK CAP

$30,000

MINIMUM ANNUAL INCOME

Reviews (106)

3.7

106 Reviews

5
24
4
48
3
21
2
7
1
6

Service Rating

Speed of Approval

4.6

Ease of Fee Waiver

4.5

Customer Support

4.3

      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 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 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 month

      0

      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 useful

      0

      What are your thoughts?

    Discussions (0)

      No Posts Found.

      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

      • 1855 The Bottle Shop: Get 10% off on your first purchase. Enter Promo Code: VISAWINE10
      • Valid till 30 Sep 2024. T&Cs apply.
      • ABSURDITIES: Enjoy a complimentary drink. Reserve online with Promo Code: ABDVISA2223
      • Valid till 31 Mar 2025. T&Cs apply.
      • CALI: 1-for-1 Pasta, Fajita, Burger & Dessert. Valid till 30 Sep 2024. T&Cs apply.
      • Carl's Jr: 1-for-1 on a la carte item; 15% off Angus Burger Combo; Complimentary one side order with min. spend S$30. Valid till 31 Aug 2024. T&Cs apply.
      • Dine & Save with Visa: Enjoy up to 20% off your bill at participating restaurants
      • Quote at any participating restaurants: Dine and Save with Visa - up to 20% off
      • Valid till 30 Sep 2024. T&Cs apply.
      • Edith Patisserie Cake Bar: 1-for-1 beverages. Valid till 31 Oct 2024. T&Cs apply.
      • Heybo: 10% off. Enter Promo Code: HBVISA10
      • Valid till 30 Sep 2024 via Heybo online order. Offer is not stackable with other discounts and offers in the same transaction. T&Cs apply.
      • LiHO TEA: S$1 off with min. spend S$10. Valid till 31 Jul 2024. T&Cs apply.
      • Meow Barbeque: 1-for-1 Savoury Beef Flank. Valid till 30 Apr 2024.  T&Cs apply.
      • Paradise Group: Get a S$10 return voucher with any spend

      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.

      • PARKROYAL on Beach Road: Ginger: 15% off food items; Club 5: 15% off food items

      Valid till 30 Dec 2024. T&Cs apply.

      • PAZZION Café: Save 10% on your total bill with min. spend of S$100 in a single receipt
      • To redeem this offer, present this offer at time of ordering and pay with your DBS Live Fresh Card. Valid till 30 Sep 2024. T&Cs apply.
      • SaladStop!: 15% off total bill when you order a plant-based signature
      • Valid till 31 Jul 2024. Discount is capped at S$4. T&Cs apply.
      • Sheraton Towers Singapore: The Dining Room: 15% off total bill; Lobby Bar: 15% off total bill

      Valid till 30 Dec 2024. T&Cs apply.

      • Singapore Marriott Tang Plaza Hotel: Crossroads Buffet: 20% off total food bill; Crossroads Cafe: 15% off total food bill; Lobby Lounge: 15% off total food bill; Wan Hao Chinese Restaurant: 10% off total food bill

      Valid till 30 Dec 2024. T&Cs apply.

      Play

      • Klook: Enjoy 15% off with minimum spend of S$50 sitewide
      • Look out for the promo code which will be released on Klook every week!
      • Valid till 29 Dec 2024. Each Promotion Code is valid for redemption from 1200h Friday to Sunday every week and expires Sunday 2359h. Limited checkouts available. Each Promotion Code entitles users to 15% off, capped at S$10, with minimum spend of S$50 sitewide on Klook. T&Cs apply.
      • Museum of Ice Cream Singapore: Enjoy 15% off Museum of Ice Cream Singapore tickets when you buy 4 tickets and more.
      • Valid till 31 Mar 2025. T&Cs apply.
      • Science Centre Singapore: Enjoy the following discounts for the tickets to Escape @ Science Centre:
      • • 10% off for 3 – 5 tickets
        • 20% for 6 – 8 tickets
      • Enter Promo Code: DBS10OFF + first 6 digits of your DBS Live Fresh Card
      • Valid till 31 Dec 2024. T&Cs apply.

      Public Transport & Travel

      • 6% cashback on contactless transactions (min. S$800 spend per month) including train and bus rides
      • Agoda: Enjoy 5% off hotel bookings
      • Booking period is valid till 31 Dec 2025. Stay period is valid till 31 Mar 2026. Discount is only valid for hotels that have the “Promotion Eligible” banner on the search results page and “Pre paid”, “Pay now” and “Book Now, Pay later” room types only. T&Cs apply.
      • Avis: Up to 20% discount on Standard Rates
      • Valid till 31 Dec 2024. T&Cs apply.
      • Booking.com: Get up to 10% cashback on accommodation bookings
      • Valid till 31 Dec 2024. T&Cs apply.
      • DBS Car Marketplace: Find your dream car on DBS Marketplace now.
      • Gojek: Up to S$4 off
      • Enter Promo Code: GODBS
      • Valid till 30 Apr 2024. Once the promo code is used, customer will receive the voucher. Voucher is valid for 14 days. 1 user can only enrol once through the month. T&Cs apply.
      • Hotels.com: Enjoy 8% off bookings
      • Enter Promo Code: VISA8
      • Valid till 31 Dec 2024. T&Cs apply.
      • Qatar Airways: Enjoy up to 13% off on your next Qatar Airways flight.
      • Enter Promo Code: SEAVISA24
      • Sales period: 1 Mar – 30 Jun 2024
        Travel period: 1 Mar – 31 Dec 2024
        T&Cs apply.
      • Rentalcars.com: Enjoy 10% discount on car rental bookings
      • Valid till 1 Apr 2026. T&Cs apply.

      Shopping

      • Amazon.sg: Enjoy S$6 off with min. spend of S$120 every Monday
      • Enter Promo Code: DBSXXX (Input Month, e.g. DBSJAN for month of January)
      • Valid till 31 Dec 2024. T&Cs apply.
      • CASETiFY: 15% off; Enter Promo Code: 15VISASG
      • Valid till 30 Sep 2024 for orders purchased on the Singapore website only. Applicable only to items selling at original prices and not applicable for new products and co-lab collections. T&Cs apply.
      • CLUB21.com: 25% off regular-priced items from selected brands
      • Enter Promo Code: DBS25P
      • T&Cs apply.
      • Decathlon: S$5 off with min. spend of S$50 on DECATHLON App for New User
      • Enter Promo code: DBS2024-XXXXXX (First 6 digit of your DBS/POSB Cards)
      • Valid till 31 Jul 2024. T&Cs apply.
      • Lazada: Enjoy S$5 off with min. spend of S$100
      • Valid till 31 Dec 2024. Valid for the first 2,000 redemptions, capped at 1 redemption per customer per month. T&Cs apply.
      • Lookfantastic: 24% off; Enter Promo Code: LFVISA
      • Valid till 30 Sep 2024. Brand exclusions apply. T&Cs apply.
      • PAZZION: Get 10% off with min. S$250 spend in a single receipt.
      • To redeem this offer, present this offer at time of purchase and pay with your DBS Live Fresh Card.
      • Valid till 30 Sep 2024. Promotion valid in stores only. T&Cs apply.
      • Sephora: Enjoy S$10 off with min. spend S$100 at Sephora stores, Sephora.sg & Sephora app
      • Valid till 31 Dec 2024. T&Cs apply.
      • SHEIN: 10% off with a min. spend of S$60
      • Enter Promo Code: SHEINXVISA
      • Valid till 30 Sep 2024 for orders purchased on the Singapore website only. Applicable only to items selling at original prices and not applicable for new products and co-lab collections. T&Cs apply.
      • ZALORA: Enjoy 15% off sitewide + 5% ZALORA Cashback with min. spend of S$120
      • Enter Promo Code: DBSZAL24
      • Valid till 31 Dec 2024. Discount is capped at S$50, and not stackable with ongoing promotions. T&Cs apply.

      Sustainable

      • Crunch Cutlery: 10% off with a min. spend of S$45 and free island-wide shipping
      • Enter Promo Code: VISCC10
      • Valid till 30 Sep 2024. Full payment must be charged in a single receipt. Promotion is not valid with other ongoing promotions, discounts, offers, vouchers, rebates or privileges. T&Cs apply.
      • Little Farms: S$10 off with a min. spend of S$150
      • Enter Promo Code: VISA10
      • Valid till 30 Sep 2024 on littlefarms.com. Customers must be logged in as a loyalty member with Little Farms to redeem the code. The code can only be redeemed once per customer and cannot be combined with other promotions. T&Cs apply.
      • SimplyGood: 10% off
      • Enter Promo Code: VISA10
      • Valid till 30 Sep 2024. T&Cs apply.
      • Untamed Paths: 15% off eco-programmes
      • Enter Promo Code: DBSLF15
      • Valid till 30 Aug 2024. T&Cs apply.
      • Your Sustainable Store: 5% off storewide
      • Enter Promo Code: VISATAKE5
      • Valid till 30 Sep 2024. Not applicable to sale items and shipping fee. Not combinable with other discounts. T&Cs apply.

      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.

      Advertisement