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.

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: Official DBS T&C 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: Official DBS T&C PDF · last checked 2026-10-22

Minimum spend

{"monthly_sgd_for_bonus": 500}

Source: Official DBS T&C PDF · last checked 2026-10-22

Conversion

DBS Points; 1.3 mpd equivalent

Source: Official DBS T&C 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: Official DBS T&C PDF · last checked 2026-10-22

Sign-up gift

Choose one: Samsonite MINTER 80/30 Trunk Luggage (worth S$680, promo code CMSAM) OR S$288 cashback (promo code CM288)

Spend at least S$500 on eligible transactions within 60 days of card approval. Only for applicants aged 21–29 who do not hold a principal DBS/POSB credit card and have not cancelled one in the last 12 months. Apply by 28 Feb 2027 (period 1: 5 Sep–31 Oct 2026, approved by 14 Nov 2026; period 2: 1 Nov 2026–28 Feb 2027). You must enter the promo code when applying and have a valid DBS PayLah! account. Luggage via a Reward Notification Letter in 3–6 months; cashback credited within 3–5 months. See full T&C for excluded spend.

Also on the DBS promo page: https://www.dbs.com.sg/personal/cards/promotion/cards-dbs-chromo

Source: Official DBS T&C PDF · last checked 2026-10-24