Read on ➡️. If you’re aged between 18 and 27, and enrolled at an eligible institution, you might be interested in the DBS Live Fresh Visa Student Card as a way to access your money, earn cashback on purchases, and pay for your bus and train rides. For those who are not able to meet this minimum spending requirements, an alternative card would be the StanChart Spree Card (2% cashback, no mminimum spend) or the DBS Visa Debit Card (3% cashback, $500/month minimum spend). This is because it does not have a minimum spend requirement. Salary credit for DBS Multiplier. About DBS DBS - Living, Breathing Asia DBS is a leading financial services group in Asia, with over 280 branches across 18 markets. Use my DBS MCA debit card and incur no further fees (paying in USD) Go to an ATM to withdraw physical USD if the merchant doesn’t accept cards (and pay an ATM withdrawal fee of S$5) It’s conceptually similar to you going to the Arcade, buying USD, … Doesn't dish out many incentives for using it, but still remains as a good introductory debit card for the young ones as they step into the realm of contactless payments. If you want access to the lounges more than twice a year, you will just have to pay a fee of USD 32 per person per visit.⁶. A minimum spend of $800 must be made within 60 days of card approval. , All you need to know to compare and choose from the HSBC expat account options, including eligibility, product features and costs. This publication is provided for general information purposes only and is not intended to cover every aspect of the topics with which it deals. Local transport (ride hailing, taxi, transit): 3% cashback, All foreign currency spend (including online purchase): 2% cashback, Need to have: POSB Savings Account or DSB Savings Plus Account or DBS Autosave Account or DBS Current Account, Foreign exchange fee: None if you link it to any multi-currency account with DBS, 3% cashback on local transport (ride-hailing, taxis, public transport via SimplyGO), 2% cashback on all foreign currency spend (including online purchase), 1% cashback on local contactless spend (via Apple Pay, Samsung Pay, Google Pay, Visa PayWave). Should You Use the KrisFlyer UOB Debit Card to Earn Miles? And the miles never expire. The DBS Visa Debit Card offers a variety of cashback rates for virtually all types of spend categories. 3% UOB Debit Card. DBS Infinite Debit Card is a premium debit card available for DBS Treasures clients. Learn about the DBS expat programme, and the accounts and cards available - including features, fees, eligibility and perks. The DBS Visa Debit Card, unlike the DBS Live Fresh Credit Card, is primarily a cashback card. Additionally, when linked with a DBS MCA (Multi-Currency Account) cardholders do not have to pay any fees for their foreign exchange spend, which is a great benefit for those that frequently … VPP already runs in over 20 countries, and DBS / POSB clients can now transfer money to around 1 billion VISA … Dining and shopping privileges at over 1,500 POSB/DBS participating merchants. The VPP scheme allows you to transfer money, from your DBS / POSB bank account to anyone with a Visa card. Application was easy and fuss-free. The card works like a standard credit card, with an annual interest rate and fees, but can be used anywhere Visa is accepted globally and provides privileges that are specifically geared towards travel. Hidden away between the mid-market rate and Visa’s exchange rate is a fee to you the cardholders. Hence, the cashback feature here is not applicable for younger users who do not have that much spending power yet. The cash advance fee is 8% of the total amount drawn, with a minimum fee of SGD 15. No surprises here. Certain other terms and conditions apply as well as limitations, so read the fine print on the insurance before you apply. You must be at least 21 years old to apply for the DBS Altitude Visa Signature Card. The Wise borderless account doesn’t have any annual fees and doesn’t charge you for spending abroad. Whether it is a coffee or an expensive suit, you will be charged at least 3.25% on every purchase. This means that your trip may end up being more expensive than you think. The only names that come to our minds when we hear about banks are SBI, HDFC Bank, etc. You need to spend at least S$500 a month and have to make sure that your POSB/DBS cash withdrawals are $400 and below in the same month. Key features of the DBS Visa Debit Card. Development Bank of Singapore (DBS Bank) is giving free debit card. With 5% Cashback (+10%, if you were under the DBS/POSB Cashless promotion), It was such a good card to use. With Wise’s borderless account, you can load up your account in 45+ global currencies so that when you make a purchase abroad there are no extra fees or charges. The major perks of the card come with gaining air miles, travel insurance, and lounge access. And the DBS Altitude Visa Signature Card lets you have 2 free lounge visits within a 12 month period of your membership. Visa Tap to Pay is a new contactless method of payment - the latest evolution in Visa payments. Ultimately, DBS Woman's World Card is better for consumers who shop mostly online and prefer to avoid an annual fee, while DBS Black Visa Card caters to local spenders who make mobile payments. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content in this publication. Plus with the Mastercard access, you can use it as a normal card wherever Mastercard is accepted. DBS and VISA have the answer: Visa Personal Payments. Look no further. Then, June 2020 came and the cashback was once again lowered. But you don’t need to travel this way. To take advantage of this, the full trip amount- whether airline tickets or train- must be charged to the card. In fact, you only need to pay one small fee when you convert money to the currency you need. The coolest thing about the DBS Visa Debit card is that you can still earn up to 3% cashback when you spend on everyday necessities like online food delivery, local transport, local Visa contactless spend... and the occasional online purchase in foreign currency. It will be stated on your account statement. DBS Visa Debit Card. Singaporeans love to travel, so the bank DBS has an Altitude Visa Signature Card to help reward cardholders with perks and air miles as they spend locally and overseas. One can also view the details of virtual VISA debit card that comes with a limit of Rs. The DBS Visa Debit Card gives you up to 3% cashback when you spend a minimum of S$500 and keep your cash withdrawals to S$400 and below in the same month. ⁵, With the DBS Altitude Visa Signature Card, you get a complimentary membership to Priority Pass. The information in this publication does not constitute legal, tax or other professional advice from TransferWise Limited or its affiliates. Every month you are required to pay a minimum amount of the card balance. DBS card is another best Visa Infinite card in India offering Visa benefits clubbed with additional benefits from the bank. ⁴, As a cardholder, you can get up to SGD 1 million worth of travel accident insurance coverage for yourself and family when you travel. Whether it is a coffee or an expensive suit, you will be charged at least 3.25% on every purchase. Confused about the cost and the exchange rates? Overseas spend with DBS Altitude Visa Signature Card. 1. One of the most popular benefits of this credit card is the ability to accrue miles quickly. We break it down below¹: There is an annual fee of SGD 192.60 to the principal cardholder, that is charged to the card. The minimum income requirement for Singaporeans and PRs is SGD 30,000. When you are in need of cash abroad, you can take cash out from ATMs using your DBS Altitude Visa Signature Card against your credit line, but it will cost you. Let’s be honest, this is not really a feature but a basic function of any debit card. The breakdown of mile rewards are: You’ll also find promotions that include additional miles on certain purchases, Singapore airline tickets or flight/ hotel transactions on Expedia. S$500. It was good to be here and use this card . Check out popular credit, debit and prepaid cards from DBS Bank. The Aspire Card is a completely free Visa Debit virtual card linked to your Aspire Business Account. Plus there will be a prevailing interest rate of 28% per annum if the cash isn’t repaid in full. Pay for shopping, dining and leisure with your DBS Visa Debit Card in up to 11 foreign currencies with no foreign exchange fees. I hope DBS will release an attractive cashback rate to entice me to use this card once again. Making an overseas fund transfer with OCBC? Flash your DBS Treasures Visa Infinite Debit Card and receive a warm welcome at our exclusive DBS Treasures Centres whenever you travel, across Asia. Any supplementary cards have an annual fee of SGD 96.30. Want to figure out what it's going to cost you or how long it'll take? The DBS Altitude Visa Signature Card can be used to make purchases online and in-person globally wherever Visa is accepted. There's no need for a minimum income to qualify and there's no annual fee either. We make no representations, warranties or guarantees, whether express or implied, that the content in the publication is accurate, complete or up to date. (And also my new DBS Visa Debit Card has Visa PayWave, ultra convenient woohoo!) The e-wallet also lets you recharge your DTH or mobile, transfer funds, make various type of bill payments and scan BharatQR code to pay instantly. DBS Visa, til' we meet again. If you’re not a new DBS/POSB credit cardmember, consider these promotions instead. Find all you need to know in this article. This product has not been claimed by the company yet. That means more money in your wallet to spend on things that matter. Enjoy the privileges and benefits of the bank cards from DBS Bank Singapore. This checking account is linked to a debit card that provides customers with 1% cash back on up to $3,000 in debit card purchases each month. Airline miles and lounge access does add a nice touch to your travel, but doesn’t saving actual money sound better? The minimum amount that can be charged to the account is SGD 2.50. For every SGD 1, and currency equivalent, spent using the card, you can get miles that you can use towards future travel. … You can really do this with any debit/credit/ATM card from any bank in Singapore. 10X DBS Points (or 20 miles) on online purchases in $5 blocks; 3X DBS Point (or 6 miles) on overseas purchases in $5 blocks; 1X DBS Point (or 2 miles) on other purchases; 0% Interest payment plans over 12 months; Notes: This is the card to go for if you’re a miles chaser. Singapore Banks, Loans & Credit Cards 101: DBS Visa Debit Card 3.5/5.0. New cardholder benefits. The DBS Visa Debit Card gives you up to 3% cashback when you spend a minimum of S$500 and keep your cash withdrawals to S$400 and below in the same month. Once your Aspire account is approved and opened, the virtual card is … The foreign currency transaction fee has a few different parts. All contactless payments made via Visa payWave will receive 3% in cashback as long as you spend at least S$500 per month on Visa and keep cash withdrawals to within S$400. YAY! Valid till 30 June 2021. For Foreigners, it is SGD 45,000.³. For people who wish to enjoy cashback on their spending, this would be suitable card – with an attractive cashback rate of 5% (capped at $50) when you pay using Visa payWave, through your debit card, Apple Pay, Samsung Pay or Android Pay. Check the DBS Altitude Visa Signature website to see what promotions are currently running. 10,000 per month. And it can be used to withdraw cash from ATMs – at a fee and interest rate. DBS Promotion: Enjoy up to $200 cashback when you key in the promo code 150CASH or 200CASH upon application, depending on the card you are applying for. All Personal Accident Insurance Comparison. S$0. For being a travel-focused card, DBS and Visa charge you a pretty penny for every foreign transaction you make. Here's all you need to know about getting a foreigner loan in Singapore as a personal customer. Overall, the amount of cashback you can get is capped at S$20 per month. Features & Benefits. If you go over your credit limit, you will be hit with a fee of SGD 40. Foreigner personal loan in Singapore: Your guide to providers, rates, requirements and more, HSBC expat account in Singapore: Everything you need to know, DBS expat account in Singapore: Everything you need to know, BigPay Singapore: Fees, limits and how it works, OCBC international transfer: Fees, rates and transfer time, POSB telegraphic transfer (TT): Fees, rates and transfer time, Online flight and hotel transactions on Singapore air; Agoda; Expedia; Cathay Pacific; Qatar, Airbnb and more, Singapore Airlines tickets booked through DBS Travel marketplace, Bonus miles when you pay the annual fee to renew your membership. If you don’t pay off the full amount that you spend, you will be charged an interest rate on the outstanding balance. Here are the categories which you can clock up to 3% cashback: Online food delivery: 3% cashback; Local transport (ride hailing, taxi, transit): 3% cashback Wise is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011, Firm Reference 900507, for the issuing of electronic money. It is not intended to amount to advice on which you should rely. Cash rebates. We would already be using credit cards to reap better incentives at that level. On top of this, you are charged: So every and any transaction you do abroad or at foreign online stores using the card will cost you a minimum of 3.25% on top of the price. T&Cs apply. It is a simple, secure and quick payment method. There is an option to temporarily block the card for up to 60 days. You will have to spent at least $400 on contactless monthly to reap the cashback of 1% monthly (was 3-5% previously). This was fine, however, since it was for all Contactless spend (whereas some cards limit the rebates to selected categories). For being a travel-focused card, DBS and Visa charge you a pretty penny for every foreign transaction you make. Being still on the 8% Contactless/Online Spend Promotion and the 4% Debit Card Online Spend Promotion, I stuck to this card until the end. Plus, enjoy personalised service and round-the-clock banking assistance through our 24-hour Customer Care Helpline. The Cashback was lowered to 3%, putting it below some credit cards. 1 The customer’s DBS MCA must be linked to their DBS Visa Debit Card as a primary account 2 Available in 12 major currencies including SGD . This is assuming you have a balance above SGD 50; balances below SGD 50 are not charged a late payment fee. If you are not able to make your monthly payment by your payment due date then you will be automatically charged a late payment fee of SGD 100. Simply link your desired multi-currency account as the primary account to your DBS Visa Debit Card to enjoy all the benefits. Read on! This is a very unique debit card because it is one of the few Unionpay debit cards on the market. If you use dynamic currency conversion, where you choose to pay in SGD while abroad or pay in SGD at a foreign merchant, you will also be hit with an additional 1% fee. DBS Visa Debit Card Review 2021. There is quite a bit that can be done using your DBS Altitude Visa Signature Card. Spending $1000 a month entitled you to a whopping $50 cash back, and it is ACTUAL CASH, not points. Many banks offer products which are aimed at students, and include perks and features to make life a little easier as you study. Thus if you do no spent this amount monthly, it may be best to seek for alternatives. You can also take advantage of retail, golf, and hotel privileges using the card as long as you meet the terms and conditions. The minimum monthly repayment amount is 3% of the outstanding balance, plus any additional fees or charges from overdue or late payments. Let’s take a look. When applying for the visa debit card, just select your MCA in the primary account field to link your new DBS Visa Debit Card to your MCA account. The amount that you spend on the card is then sent to you in a statement where you are required to pay off the balance monthly. Hope the cashback will be greater in the future! But there is more to this credit card, like additional fees for using the card and charges for foreign transactions. With immediate push notifications on Wise’s award-winning app, you will always know how much you’ve spent. The MCO Visa Card is a perfect replacement for many credit cards and debit cards. Step 2. 3% Aspire Corporate Debit Card. * Transaction is counted as per tapping usage, one 1% Latest Debit Card News. Spend a minimum of $500 using your debit card; Keep your cash withdrawals to ≤ $400 in a month; The DBS Visa Debit card does seem better compared to the SingLife debit card. DBS- Not many of us have heard of this bank as we live in India. Read the latest tips and news about credit cards in getting the best money saving tips. Individuals that have a monthly budget of more than S$500, will receive great value from this card. We cover everything you need to know about how BigPay works, what are the fees and limits and more. This is a perk which is exclusive to POSB/DBS … NETS Contactless Cards DBS Visa Cards Transit fares will be accumulated to your CASA-linked (Current Account or Savings Account - linked) ATM/Debit/Credit cards for up to 5 days or after every 21 transactions*, or after a total of S$15 is spent, whichever is earlier. If you are looking for a credit card, read on to learn more about how the DBS Altitude Visa Signature card works. Prior results do not guarantee a similar outcome. As the cashback has been reduced so much, I have made the (painful) decision to stop using this card until further notice. First, you are not getting the mid-market exchange rate, which is the rate you see on Google, but rather the exchange rate set by Visa itself. This was once the greatest (if not, one of the greatest) debit cards. Read on for more. The current interest rate is 26.80% per year on all your purchases. Personally, as a student, I do not spend past $400 every month, which I believe many others do not as well. DBS Black Visa Card v. OCBC Titanium Rewards Card International debit card visa. S$500. If you already hold a DBS credit card, then you can apply online for this specific card without having to submit any other documents. It has all the usual perks of being a DBS debit card: it can work as your ATM card, can be … Higher limits: If provides a transaction cap of Rs.3,00,000 per day in India. Spent a bit too much? Airline miles and lounge access does add a nice touch to your travel, but doesn’t saving actual money sound better? But in this time of economic slowdowns and global recessions, we should not only diversify our investments but also know more about different banks. This time, to a measly 1%. [Card Hacks] Note that this reward is capped at S$20 per month. This was until June 2019. However, I would still prefer to use the JumpStart debit card. It’s as simple as that. But if you plan your budget carefully and track it to a T, this shouldn't be an issue! Here are the categories which you can clock up to 3% cashback: Best of all, almost anyone can qualify for this debit card. For new applicants to DBS credit, you will need to submit proof of income through payslips, tax assessments, and address proofs to DBS online or in person. DBS stands for Development Bank of Singapore. No foreign exchange fee with a multi-currency account. You can use it globally without any restrictions, although as we saw in the fee section it may cost you. And if you’re shopping online at Amazon, Alibaba, Qoo10 and Grab, you don’t get any additional fees or charges for foreign merchants. It comes with unlimited 1%-5% instant rebate on all spend, 100% rebates on Spotify and Netflix, and if you like, expose yourself to the wider MCO crypto ecosystem. Do make sure that your DBS MCA is linked to your DBS Visa Debit Card as a primary account! We cover providers, interest rates, fees and more. By registering with Priority Pass, you can have access to airport lounges all across the world. The technology enables cardholders to 'Tap' their card on a contactless Point-of-Sale (PoS) terminal to make transactions up to INR 2,000, rather than 'swiping' or 'dipping' their card into PoS terminals. This is my very first debit card and I got it during my junior college days. Overall experience was nice with this.Would recommend others also. DBS Woman’s World Card. This card can be used for any transaction that accepts Visa Debit as a payment method, Google Pay payments included! So if you don't qualify for a credit card (read: student) yet, this is probably one of the best debit cards which you can get! The DBS Multiplier is a high yield savings account offered by DBS. One of the best debit card previously! You can get your annual fee waived if you spend at least SGD 25,000 a year on retail purchases using the card.². Looking for info on how to make an overseas transfer with POSB?
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