POSB Everyday Card cashback rate, cap and annual fee
POSB Everyday Card pays 10% at foodpanda and GrabFood — on the first SGD 200 you spend on it each month, which is where the SGD 20 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.
POSB · Singapore · catalogue v117
Read from POSB's own published terms on 29 Oct 2026.
What it pays, by category
| Spending | Rate | Monthly cap |
|---|---|---|
| foodpanda and GrabFoodonline and delivery | 10.00% | SGD 20reached at SGD 200 of spend0.3% plus 9.7% on foodpanda and GrabFood. Needs S$800 of qualifying spend in the calendar month. Daily$20 a month. |
| SimplyGo bus and traintravel | 10.00% | SGD 20reached at SGD 200 of spend0.3% plus 9.7% on SimplyGo bus and train rides (top-ups excluded). Needs S$800 of qualifying spend in the calendar month. Daily$20 a month. |
| in store in Malaysian ringgittravel | 10.00% | SGD 20reached at SGD 200 of spend0.3% plus 9.7% on in-store spend in Malaysian ringgit; dining in ringgit earns 5% here and 5% under dining. Needs S$800 of qualifying spend in the cal |
| SPCfuel | 6.00% | —6% at SPC on top of SPC's own discounts, no minimum and no cap. |
| dining | 5.00% | SGD 20reached at SGD 400 of spend0.3% plus 4.7% on dining in (restaurants, cafés, bars and caterers, MCC 5811 to 5813). Fast food is excluded. Needs S$800 of qualifying spend in the c |
| Amazon, Lazada, Shopee, RedMart, Taobao, TikTok Shoponline and delivery | 5.00% | SGD 20reached at SGD 400 of spend0.3% plus 4.7% at Amazon.sg, Lazada, Shopee, RedMart, Taobao and TikTok Shop. Needs S$800 of qualifying spend in the calendar month. Daily$20 a month. |
| Sheng Sionggroceries | 5.00% | SGD 20reached at SGD 400 of spend5% at Sheng Siong, with no minimum spend. Daily$20 a month. |
| POPULAReverything else | 5.00% | SGD 20reached at SGD 400 of spend0.3% plus 4.7% at POPULAR bookstores and its online store. Needs S$800 of qualifying spend in the calendar month. Daily$20 a month. |
| Pet Lovers Centreeverything else | 3.00% | —3% at Pet Lovers Centre outlets, no cap. |
| everything else | 0.30% | —0.3% on all other eligible spend, with no minimum and no cap. |
| fast fooddining | 0.30% | —Fast food (MCC 5814) is excluded from the dining bonus. |
| 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. |
Questions people ask
What cashback does the POSB Everyday Card pay?
10% at foodpanda and GrabFood, and 10 other rates. The top rate is capped at SGD 20 a month.
Is there a cap on the POSB Everyday Card?
Yes. foodpanda and grabfood is capped at SGD 20 a month; simplygo bus and train is capped at SGD 20 a month; in store in malaysian ringgit is capped at SGD 20 a month; and so on.
What is the annual fee on the POSB Everyday Card?
SGD 196.20 a year.
Is there a minimum spend on the POSB Everyday Card?
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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