Credit Cards

Apply for a Credit Card
Interested in getting a DBS or POSB Credit Card? Simply submit your application via digibank.
Apply for a Supplementary Card
If you are an existing POSB/DBS Credit Cardholder, you can apply for a Supplementary Card with us online.
Eligibility for Credit Card Application
To be a Principal Card holder, you will need to be above 21 years, earn a gross annual income of S$30k if you are a Singaporean, or S$45k if you are a foreigner.
Check Credit Card Application Status
Check your Credit Card application status easily via digibank Online, digibank Mobile or Phone Banking.
Cancel Card
Cancel your Credit, Debit or ATM Card easily through our new digital banking service.
Cancellation of ANZ Credit Cards Service Accounts
Cancel your ANZ Credit Cards Service Accounts easily through our digital banking services.
Apply for Mobile Wallet
Add credit, debit or store cards and use Apple, Samsung or Google Pay to make purchases easily and securely from your Smart Phones.
Pay with Mobile Wallet
You can make purchases easily using Apple Pay, Samsung Pay or Google Pay.
Remove Card from Mobile Wallet
Remove credit and debit cards from your mobile wallet easily in a few steps.
Unavailability of CPF Web-Linkup Service
The "Authorise CPF" option via the CPF Web-Linkup service, for our customers to provide their proof of income information will no longer be available from 30 June 2020.
Check Credit Card Outstanding Balance
Subscribe to SMS notifications today to receive your consolidated Credit Card outstanding balance monthly via SMS; or check your Credit Card oustanding balance via digibank Online, digibank Mobile, SMS Banking or Phone Banking.
Pay Credit Card Bills
There are many ways you can pay your credit card bills. The fastest way to make an immediate bill payment to your POSB/DBS Credit Cards is via digibank Online.
Credit Card Payment Due Date
Credit Card Payment Due Date is generally 25 calendar days from the statement date, after which, late fees and finance/interest charges may incur.
Credit Card Payment Cut-off Times
Perform instant payment for your DBS/POSB Credit Cards via digibank Online & digibank Mobile. Alternatively, other non-instant channels includes SMS Banking, Phone Banking, ATM, AXS, GIRO, Cheque and Cash Payments.
Set up GIRO Payment for DBS/POSB Credit Card Bill
Set up a GIRO arrangement easily via digibank Online to manage your Credit Card bill payments.
Terminate GIRO Arrangement
Find out how you can terminate a GIRO arrangement easily using digibank Online or our Video Teller Machine (VTM).
Pay Other Bank Credit Cards
You can pay other bank credit cards easily using digibank Online or digibank Mobile.
- Add Other Bank's Credit Cards Recipient
- Remove Other Bank's Credit Cards Recipient
Instalment Payment Plan (IPP)
Apply for instalment payment plans at 0% interest directly at our participating merchants. Otherwise, choose POSB/DBS My Preferred Payment Plan!
Apply for My Preferred Payment Plan
Bought something expensive using your credit card and wish to have an option to pay it off over time? Split your purchases into 0% interest instalments for up to 6 months at no fee!
Apply for a Recurring Bill Payment Arrangement
You can add a recurring bill payment arrangement on your Credit Card with the participating billing organisations using digibank Online.
Update Recurring Bill Payments with Billing Organizations
Find out what you need to do to update your recurring bill payments paid to billing organisations using your Credit or Debit Cards.
Activate New Card
You can activate your new card easily using SMS Banking, digibank Online, digibank Mobile or at our POSB/DBS ATM and Video Teller Machine (VTM).
Manage Accounts Linked to your Card
While you can easily link your card to your Savings or Current Account through various channels, the most convenient method would be via digibank mobile.
Lost or Stolen Card
If your ATM, Debit or Credit card is Lost or Stolen, please block your card(s) immediately using our online services and request for a replacement instantly.
Replace ATM/Debit or Credit Card
Holding on to a damaged, worn out or lost your card? Request for a card replacement instantly using our self-service options.
Reset Card PIN
Reset your Card PIN immediately via digibank Online, digibank Mobile or Video Teller Machine (VTM).
Without PIN & PAY function available, DBS/POSB Debit & Credit Cards will follow the usual Signature/Contactless based international payment methods for transactions performed in foreign countries.
Top up Credit/Debit Cards (with EZ-Link Function)
Top up your credit/debit cards with ez-link function instantly via POSB/DBS ATM, or apply for EZ-Reload.
Refund EZ-Link/NETS Flashpay Value
Get a refund or transfer of value for your EZ-Link/NETS FlashPay cards at any TransitLink Ticket Office if you have lost or damaged your card.
Check Credit Card Available Limit
You can simply check your Credit Card Available limit via digibank Online, digibank Mobile and Phone Banking.
Change Credit Limit Permanently
For permanent increase or decrease in credit limit, simply complete our Online Form.
Apply for Temporary Credit Limit Increase
Apply for a Credit Card Temporary Limit Increase via digibank Online or Online Form.
Revised Unsecured Credit Rules by MAS
Due to MAS regulations on Balance-To-Income (BTI) ratio, your unsecured credit facilities limit cannot exceed 12 times of your monthly income.
Annual Fee
Refer to our table for the specific amount required to maintain the yearly membership of various Credit Cards we offer! Find out if you are eligible to waive your annual fees today.
Late Fee
Late payment charges are levied if the minimum payment is not received on the card account by the payment due date. Refer to our table for the list of charges.
Finance/Interest Charge
Finance/Interest Charges are computed at the prevailing interest rate of 26.80% per annum, calculated daily from the date each transaction is posted to your card account until full payment is received, subject to a minimum fee of S$2.50
Cash Advance Fee
Cash Advance Fee of 8% will be levied on the amount withdrawn per transaction, subject to a minimum of S$15 per transaction.
Over Limit Fee
An over limit fee of S$40 will be charged if your card's total outstanding balance exceeds its credit limit.
Returned Cheque/GIRO Fee
A fee of S$40 will be charged for every returned cheque, and S$30 for every returned GIRO payment.
Waive Credit Card / Cashline Fees & Charges
Waive your Annual Fees, Finance or Late charges simply by submitting your request via our Digital Services.
Benefits of DBS/POSB Loyalty Dollars
You can use your Daily$, SAFRA$ and HomeTeamNS$ to make redemptions and offset your purchases.
Offset Spending with DBS Points or POSB Daily$
Enjoy more savings by using the DBS Points or POSB Daily$ you have earned on your credit cards to offset your purchases and bills instantly.
Check your available POSB Daily$
Check your available POSB daily$ via digibank Online or DBS Paylah! app.
Enable/Disable Card for Overseas Use
Learn how to enable / disable your card's overseas usage easily.
Transact & Withdraw in Foreign Currency Overseas
Enable your Card for overseas usage to transact and withdraw foreign currency overseas. Avoid foreign exchange and debit card fees by using a DBS Visa Debit Card linked to any of our multi-currency accounts (e.g. My Account or Multiplier).
Overseas Card Transaction Fees
Transactions made overseas or through overseas-based online merchants (including refunds and reversals) are subject to foreign transaction fees of up to 3.25%. This includes the bank’s administrative fees and charges imposed by the card associations (Visa/Mastercard/American Express/UnionPay).
Check Credit Card Transaction Details
Trying to recall your past transactions? You can now view more details of your transactions via digibank mobile!
Authenticating your Online 3D-Secure Transactions
Authenticating eCommerce payments at 3D-Secure merchants is simple and secure. Instead of an SMS OTP, you will receive a push notification to complete the authentication via your DBS Digital Token.
Declined Transactions
Common issues customers face when their transactions are being declined are due to Non-activation, Insufficient Credit Limit or Incorrect Details inputted. Find out how you can resolve these issues here.
Non-Receipt of Card Statements
You may have enrolled to eStatements or your mailing address is not updated in our records.
Retrieval of Card Statements
You can now easily retrieve your statements via digibank or using our new Digital Banking Service.
Understanding Statements
Learn how to interpret the different sections of your statement.
Enrol to eStatement and eAdvices
Finding it a hassle to organise your statements or advices? Simply enrol to receive eStatements or eAdvices via digibank Online today.
View your eStatements and eAdvices
Simply login to digibank to access and view your statements or retail advices online at your convenience.
Manage your eStatement and eAdvices Notification
Be informed when your eStatements or eAdvices are ready for viewing, log in to digibank Online to manage your preferences.
De-enrol to eStatements and eAdvices
You may de-enrol from eStatements or eAdvices via digibank Online and you will start receiving paper statements or advices from the following month onwards.