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Earn Cashback Bonus with POSB

Turn your everyday banking into up to S$130 monthly cashback!
No minimum account balance required
Simply transact in 3 or more categories: salary crediting, credit card spend, home loan instalments, insurance and/or investments
Get up to 4.1% p.a.

Just credit your salary and transact to get more from Multiplier!

Get up to 4.1% p.a. plus S$250

Enrol for Cashback Bonus on digibank app/Online

Nominate an existing DBS/POSB Savings/Current Account to receive the cashback.

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Earn Cashback Bonus with DBS
Earn Cashback Bonus with POSBGet up to 4.1% p.a.
Overview
Overview
Benefits
How it works
Calculate cashback bonus
Eligibility
FAQ

How Cashback Bonus works for you

The more you transact, the more you earn!
Get rewarded for everyday banking
Earn cashback when you credit salary, spend, invest or insure with us.
Up to S$130 cashback every month
Unlock cashback across eligible banking and lifestyle transactions.
Earn cashback effortlessly
No minimum account balance needed to start earning cashback rewards.

How it works

To qualify for any cashback, you need to have banking transactions in at least 3 out of the 5 transaction categories below.

1. Credit your salary to any DBS/POSB Deposit Account

Salary Credit (0.3%) - Capped at S$20

  • Credit a minimum S$2,500 salary to any DBS/POSB account via GIRO SAL/PAY. Transaction will appear as “GIRO SALARY” or “SALARY” in your statement.

2. Spend with any DBS/POSB personal credit card(s)

Credit Card Spend (0.3%) - Capped at S$20

  • No minimum monthly spend required
  • Monthly spend consists of retail/cash advance transactions posted within the calendar month
  • Eligible transactions across main cards & supplementary cards are accorded to the main cardholder

3. Apply for a DBS/POSB Home Loan or refinance with us

Home Loan Instalments (3%) - Capped at S$30
  • Monthly instalments for existing, new, or refinanced DBS/POSB home loans are recognised.
  • Cash and CPF payments included.
  • Up to 3 joint borrowers can earn cashback on the full instalment amount.

4. Apply for any Manulife Regular Premium Insurance policies distributed by DBS/POSB.

Insurance (3%) - Capped at S$30

  • Applies to Manulife regular premium policies purchased via DBS/POSB after enrolment. No minimum premium amount required.
  • The recognition of the monthly premium (i.e. Annualised premium/12) starts 1 month after policy inception and continues for 12 consecutive months as long as policy is in force.

5. Start Investing with DBS/POSB

Investments (3%) - Capped at S$30

  • Covers new Unit Trusts and POSB Invest-Saver investments made after enrolment.
  • Lump sum transactions recognised after free‑look; RSP contributions recognised for first 12 months.
  • No minimum investment amount.

Note

The calculated cashback is an estimated value based on amount entered for each transaction category rounded off to 2 decimal places and then summed up for the entire month. The cashback amount earned for each transaction category is also subject to the monthly cap.

For a full list of terms and conditions, click here.

Calculate your cashback bonus

Increase your total monthly transactions to earn more cashback.
Earn cashback when you master 3 or more of these:
  • Salary credit with DBS/POSB
  • Credit card spend
  • Home loan instalments
  • Insurance
  • Investments
Calculate cashback bonus

Who is this for?

For those who want to get rewarded for everyday banking, from salary crediting and card spend to home loans, insurance and investments.

Everyday Transactors

For those who regularly credit their salary, spend on their cards or pay bills, and want to earn cashback from their everyday banking activity.

Cashback Chasers 

Prefer cashback over interest? Earn higher cashback on the transactions you make, instead of interest on your savings.

Future Planner

For those seeking additional rewards while building long-term financial security through investments & insurance.

Eligibility & Fees

Minimum Age

18 years old

Eligibility

Hold an existing DBS/POSB Savings/Current Account or principal credit card to nominate for receiving the cashback.
Customers cannot hold both DBS Multiplier Account and POSB Cashback Bonus at the same time.

Initial Deposit

Not applicable

Service Charge

Not applicable

Charges

Not applicable

Documents Required for Account Opening

Refer to the documents required for account opening before you proceed.

Frequently Asked Questions