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SG cards · miles & cashback · hand-checked
Partial data cashback DBS
DBSChromoVisa
DBS

DBS Chromo Card

Hand-checked snapshot for Singapore. Author: Spiddy Ng. Figures below come from the linked bank sources — if a field is missing, we say so.

Data gaps: gift spend/window conditions. Null or missing figures are omitted or marked “check bank” — we do not invent rates.

Earn rates

  • age 21-29, cashback mode: base: 1% on Eligible Spend (local SGD only)
  • age 21-29, top 2 of 6 categories (Dining, Travel, Shopping, Transport, Entertainment, Wellness by MCC): +4% (=5%) if >= S$500 spend in calendar month
  • age 30+ (from 3 months after 30th birthday month): 1.7% uncapped, no bonus
  • miles mode (any age): 3.25 DBS Points per S$5 = 1.3 mpd, uncapped

RESOLVED: the 1.7% is the post-30 rate, not a conflict. Foreign-currency spend earns nothing but counts toward S$500; 0 FX fee. T&C updated 5 Sep 2026

Source: https://www.dbs.com.sg/iwov-resources/media/pdf/cards/dbs-chromo-tnc.pdf · last checked 2026-10-22

Caps

Bonus S$30 per category per month; total cashback S$150/month (age 21-29). Age 30+ and miles: no cap

Source: https://www.dbs.com.sg/iwov-resources/media/pdf/cards/dbs-chromo-tnc.pdf · last checked 2026-10-22

Minimum spend

{"monthly_sgd_for_bonus": 500}

Source: https://www.dbs.com.sg/iwov-resources/media/pdf/cards/dbs-chromo-tnc.pdf · last checked 2026-10-22

Conversion

DBS Points; 1.3 mpd equivalent

Source: https://www.dbs.com.sg/iwov-resources/media/pdf/cards/dbs-chromo-tnc.pdf · last checked 2026-10-22

Exclusions (summary)

foreign-currency txns, IPP, interest, cash advance, AXS, SAM, internet bill payments, DBS fees; descriptors AMAZE*, AXS*, EZLINK*, SHOPEEPAY*, YOUTRIP*, SINGTEL DASH* etc.

Excluded MCCs: 4784, 4829, 4900, 5047, 5199, 5960, 5993, 6010, 6011, 6012, 6050, 6051, 6211, 6300, 6381, 6399, 6513, 6529, 6530, 6534, 6540, 7349, 7511, 7523, 7995, 8062, 8211, 8220, 8241, 8244, 8249, 8299, 8398, 8651, 8661, 8699, 8999, 9211, 9222, 9223, 9311, 9399, 9402, 9405

Source: https://www.dbs.com.sg/iwov-resources/media/pdf/cards/dbs-chromo-tnc.pdf · last checked 2026-10-22

Sign-up gift

Samsonite MINTER 80/30 Trunk (S$680, code CMSAM) or S$288 cashback (code CM288)

Page: new to DBS/POSB credit cards, age 21-29; full promo T&C (spend, window) not found

Source: https://www.dbs.com.sg/personal/cards/credit-cards/dbs-chromo-card · last checked 2026-10-22