DBS Live Fresh cashback rate, cap and annual fee
DBS Live Fresh pays 6% at DBS shopping MCCs: stores, apparel, electronics, furnishing — on the first SGD 830 you spend on it each month, which is where the SGD 50 cap stops it. Nothing at all below SGD 800 of spending a month — SGD 9,600 across a year. The card costs SGD 196.20 a year.
This is information about each card's published terms, not a recommendation to apply. PayperWIZ arranges no credit and is paid nothing by any bank or card issuer.
DBS · Singapore · catalogue v121
Read from DBS's own published terms on 29 Oct 2026.
What it pays, by category
| Spending | Rate | Monthly cap |
|---|---|---|
| DBS shopping MCCs: stores, apparel, electronics, furnishingretail and department stores | 6.00% | SGD 50reached at SGD 830 of spend0.3% plus 5.7% on shopping: department and discount stores, apparel, electronics, furnishing, jewellery, cosmetics and personal services, in store and |
| online marketplacesonline and delivery | 6.00% | SGD 50reached at SGD 830 of spend6% at online marketplaces (MCC 5262), which DBS counts as shopping and which shares its S$50. Needs S$800 of retail spend in the calendar month. |
| public transport, taxis and ride-hailingtravel | 6.00% | SGD 20reached at SGD 330 of spend0.3% plus 5.7% on public transport, taxis and ride-hailing (MCC 4011, 4111, 4112, 4121, 4131, 4789). S$20 of bonus a month. Needs S$800 of retail spen |
| in store in selected Asian currenciestravel | 3.55% | SGD 50reached at SGD 1,400 of spend0.3% plus 3.25% in store in selected Asian currencies (JPY, MYR, HKD, CNY, IDR and others), which DBS pays to cancel its own FX fees. S$50 a month. Ne |
| everything else | 0.30% | —0.3% on all eligible spend, with no minimum and no cap. |
| government | None | —Government payments, fines and taxes: excluded from earning by the issuer's terms. |
| education | None | —School and university fees: excluded from earning by the issuer's terms. |
| rent and property | None | —Rent paid to property agents (MCC 6513): excluded from earning by the issuer's terms. |
| insurance, hospitals and charities | None | —Insurance, hospitals, charities, parking and AXS earn nothing. |
Questions people ask
What cashback does the DBS Live Fresh pay?
6% at DBS shopping MCCs: stores, apparel, electronics, furnishing, and 4 other rates. The top rate is capped at SGD 50 a month.
Is there a cap on the DBS Live Fresh?
Yes. dbs shopping mccs: stores, apparel, electronics, furnishing is capped at SGD 50 a month; online marketplaces is capped at SGD 50 a month; public transport, taxis and ride-hailing is capped at SGD 20 a month; and so on.
What is the annual fee on the DBS Live Fresh?
SGD 196.20 a year.
Is there a minimum spend on the DBS Live Fresh?
Yes — SGD 800 a month. Below that the bonus rates do not apply at all, which is the condition most comparison tables leave out.
Knowing the rate is not the same as remembering it
PayperWIZ holds the cards you actually own and names the right one at the till — after the cap you have already used this month, and after the foreign-currency fee. Every rate in it says where it came from, the way this page does: read off the issuer and dated, or marked indicative.
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