I have a black DBS Visa Debit Card. If I use it to pay things will I be able to receive the most cashback from it?

With only a 0.3% cashback on all spending, it isn't as attractive as compared to what its competition in the student credit card sphere are offering. However, there are perks for using this card, such as the free entry to Zouk and other deals for DBS cards can be utilised with your DBS Visa Debit Card as well. So you might want give this a try or not but it’s up to you.

The DBS Visa Debit Card has my vote for being the one of the best debit cards in Singapore. You get 3% cashback for contactless payments like Visa PayWave, Apple Pay transactions with a few conditions to be met like spend at least $400 a month on your debit card and limit cash withdrawals to $400 or less a month. Cashback is capped at $50 a month while you should note that PayWave transactions are capped at $200 per transaction. You should also know that the card can be used overseas with no foreign transaction fee if paired with a DBS Multi-Currency Account

The welcome bonus with this card is quite mouth-watering. Simply spend S$1,500 in the first 3 months to receive 24,000 Membership Rewards points. That you will find to be enough points to redeem for S$110 cash credit. Plus you can see the points add up with 100% bonus points on all spend in your first 3 months of Card Membership. I have been using this card now for 6 months and am yet to find reasons to complain.

I am quite very disappointed with this card as I have never received the vouchers for all the points I have accumulated so far. I have on several occasions made complaints via the phone and even in person, but all to no avail. I would not recommend this card to anyone for this reason, i have to say unfortunately.

I love that I can enjoy Interest rates starting from 5.80% p.a. (EIR 11.38% p.a.) on their 12-month instalment plan which allows for fixed monthly repayments.The monthly repayment for your Cash-on-Instalments is fixed, allowing you to manage your finances with ease of mind. That works perfect for me as it helps me to be more organized and I give them thumbs up.

First of all, unlike other loyalty programmes, the American Express Personal Card membership rewards points do not expire. Furthermore, with no restriction on the number of points you can stand to accumulate, you just need to choose the reward you want and you'll have time to get it, pretty much the skies can be your limit as you can use the points the way you want from redeeming shopping, travel and entertainment rewards to offsetting purchases made on your Card.

Even as the OCBC Plus! Visa is not a cashback card, thus there is no cap, or "maximum" cash back, you get to still earn rebates in the form of cash rebates and LinkPoints by shopping at NTUC. However do note that there is a minimum spend of $500 in places outside NTUC before the full range of rebates and LinkPoints can be unlocked.

I fancy the OCBC 365 credit because it has cash rebate of $80, but only after you full fill their criteria. They require a minimum spending of $800 per month which in turn earns interest from different spending. This card suits me just fine being that I have broad spending habit and in the process it gives me $80 cash rebates every month. My only dislike is the rebate on the general spending which is 0.3%.