24-hour Concierge and minimum of 16 years of age eligibility

Considering that I don't spend very much it is hard for me to meet the minimum spend to maximise my cashback on this card but irrespective, it's currently the best card for me since I'm using the DBS Multiplier account and I get extra interest when I spend on DBS credit cards. It is also quite a useful card to use when you are about to go on holiday to make hotel bookings and payment online. You should look to hit the minimum $600 to maximise your cashback.

This card is perfect for my everyday use, starting from the 15% cash rebates on dining, bus and MRT rides, the 5% cash rebates when I decide to shop at Sheng Siong and 3% cash rebates at Watsons. It is a good card to have overall and actually one of the best cashback credit cards for cash rebates at Sheng Siong, Watsons and SPC petrol kiosks.

SAFRA DBS Card ensures that every dollar spent at participating outlets and facilities at SAFRA earns card users 1 SAFRAPOINT in addition to the Credit/Debit cash rebates the also offer. I realise that their rewards programme also offers a wide range of attractive products, services and vouchers from which you are free to choose your redemption item from.

Although a 0.5% voucher rebate sounds like it’s not that exciting but when you consider that it is a 0.5% rebate on all card spend, that is all your shopping, dining and other card spend turned into voucher rebates to offset your shopping at Takashimaya Department Store, then it begins to make more sense as a deal. Plus you can redeem S$10 Takashimaya Shopping Voucher with every S$2000 spent outside Takashimaya Department Store per quarter.

Getting the DBS Esso Card got me an auto-enrolment into the Esso Smiles Driver Rewards programme. This loyalty programme for Esso customers in Singapore gives me equivalent of up to 2.4%3 in additional fuel savings. So I basically earn 1 Smiles Point for every litre of Synergy fuel purchased at any Esso station and benefit from a S$10 instant fuel redemption with as low as 300 Smiles Points earned or up to S$30 instant fuel redemption with 750 Smiles Points earned.