DBS Live Fresh Card cashback rates & bonus categories
Cashback is awarded by MCC code. The rates below depend on the merchant filing the right category code — verify any merchant in our MCC database.
| Category | Rate | Details |
|---|---|---|
| Shopping spend | 6% (0.3% base + 5.7% bonus) | Shopping purchases earn an additional 5.7% cash back on top of the 0.3% base rate, capped at S$50 bonus per calendar month, after the S$800 minimum spend. |
| Transport spend | 6% (0.3% base + 5.7% bonus) | Transport purchases earn an additional 5.7% cash back, capped at S$20 bonus per calendar month, after the S$800 minimum spend. |
| Overseas spend | Zero FX fees | The card carries no foreign currency conversion fee on overseas spend, including in-store overseas transactions. |
Reward currency: Cash back (credited to the card account). Source: DBS official page (reviewed 22 September 2026).
DBS Live Fresh Card: pros & cons
Pros
- Uncapped 0.3% base rate on everything
- Zero FX admin fees for overseas and online foreign-currency spend
- Bonus applies to broad shopping and transport categories
Cons
- S$800 minimum spend is a step up from entry-level cards
- S$70/month total bonus cap limits heavy shoppers to ~S$1,200 of bonus-tier spend
Who the DBS Live Fresh Card is good for
- Online shoppers with S$800+/month card spend
- Commuters who want transport rewarded
- Travellers who value zero FX fees on a cashback card
Frequently Asked Questions
What happens if I miss the DBS Live Fresh S$800 minimum spend?
You still earn the base 0.3% cash back on all eligible spend, uncapped. Only the additional 5.7% bonus on shopping and transport requires the S$800 monthly minimum.
What are the DBS Live Fresh cashback caps?
The additional 5.7% shopping bonus is capped at S$50 and the transport bonus at S$20 per calendar month — S$70 total bonus cash back monthly.
Does DBS Live Fresh charge FX fees overseas?
No — the card is marketed with zero FX fees on overseas spend, which is unusual for a cashback card. Refunded transactions are deducted from the minimum spend computation.
Last reviewed: 22 September 2026 | Rates, caps and minimum spend may change. Always verify with CheckMCC and DBS before applying.