DBS Spend Promo: Get up to 10% Additional Cashback on Overseas Shopping and Dining Spend
From 1st September to 31st October 2025, spend on your DBS/POSB cards on in-person overseas shopping and dining transactions and get additional S$100 cashback. This is on top of your usual credit card rewards, and will be given when you reach your personalised spend goal.
The promo is limited to the first 15,000 registrations, and as of the time of writing, about 8,000 spots are left. You can register via your DBS PayLah! app under the Rewards tab.
Don’t have PayLah! yet? Sign up with code SETDRK854. Depending on the prevailing promo, you may get referral incentives.
iOS / Android
Spend Goals
The spend goal is determined by DBS seemingly on your spending habits on their cards. Based on a few family and friends’ accounts, bigger spenders are “rewarded” with higher spend goals.
Here are some of the amounts I have found. Let us know in the comments or Telegram if you have a different amount.
| Spend Goal | Cashback Percentage |
|---|---|
| S$1,000 | 10% |
| S$2,000 | 5% |
| S$5,000 | 2% |
Those with a spend goal of S$1,000 would find this a very appealing promo as getting S$100 cashback on S$1,000 spend is bonus 10% cashback on top of their usual card rewards. Even 5% at the S$2,000 tier isn’t too bad if you can hit the spend requirement.
Eligible Cards
The list of eligible DBS/POSB cards include:
- POSB Everyday
- DBS Live Fresh
- DBS Altitude
- DBS ESSO
- DBS Live Fresh Student Card
- DBS SAFRA (credit/debit)
- DBS Takashimaya
- DBS UnionPay Debit
- DBS Vantage
- DVS Visa Debit
- DBS Woman’s / DBS Woman’s World Mastercard
- DBS yuu
You can use different cards to meet the spend goal as the minimum spend is cumulative across all DBS/POSB cards you own. Any spend made by supplementary cardholder(s) will accrue to the principal cardholder’s spend goal.
Eligible Transactions
Note that only in-person dining and shopping spend would be counted towards the spend goal as online transactions are specifically excluded.
Please see the full terms and conditions here.
DBS Live Fresh offering 0% forex fees on Asian currencies
To make the deal sweeter, DBS Live Fresh is having a promo offering 0% forex fees on in-person spending on selected currencies:
- Brunei Dollar (BND)
- Cambodia Riel (KHR)
- Chinese Renminbi Yuan (RMB)
- Hong Kong Dollar (HKD)
- Indonesia Rupiah (IDR)
- Japanese Yen (JPY)
- Laos Kip (LAK)
- Malaysian Ringgit (MYR)
- Mongolia Tugrik (MNT)
- Myanmar Kyat (MMK)
- Philippine Peso (PHP)
- South Korean Won (KRW)
- Taiwanese NT Dollar (TWD)
- Thailand Baht (THB)
- Vietnam Dong (VND)
A minimum spend of S$800 applies before cardholders can get extra 3.25% cashback (on top of the card’s earn rate) to offset their forex fees. This extra cashback is capped at S$50 per calendar month which is reached with around S$1,538 of spend. Tap here for full terms and conditions.
DBS Live Fresh itself can also offer 6% cashback on many shopping transactions, so it’s a great card to use in conjunction with this spend promo.
DBS Live Fresh
Get 6% cashback on shopping and public transportation with S$800 minimum spend.
💱 0 forex fees
Spend at least S$800 within a month and get bonus 3.25% cashback on selected Asian currencies to offset the forex fees! Terms and conditions apply
🎁 New Cardholders
Apply as a new cardholder by 15th July 2026, use promo code SINGSAVER, and fill up the SingSaver Rewards Form to choose your gift¹:
HeyMax account required for Max Miles. You can also top up for more gift options. Tap Apply to see more details on the landing page.
Minimum spend of S$500 within 30 days from card approval is required to be eligible for rewards.
For reference only; refer to exact details in terms and conditions
Separately, DBS Takashimaya is also offering 5% cashback on Japanese yen spend, though forex fees still apply.
How I might use this promo
This is a pretty good promo for those going overseas over the next couple of months, and the timing is just right for Apple’s new devices slated to arrive over the next couple of weeks or so. I have accounts with S$1,000 and S$2,000 spend goals, and together with the DBS Live Fresh promo it’s going to be quite a good way to pick up a new Apple device (or anything you might want to buy).
Assuming I buy a S$1,000 Apple Watch (or other shopping spend) with the DBS Live Fresh Card:
| Item | Amount |
|---|---|
| Purchase of S$1,000 | S$1,000 |
| DBS Live Fresh Cashback | S$53 (max S$50 + 0.3% cashback) |
| Overseas Spend Promo | S$100 |
| Forex Fee | S$0 (offset by DBS Live Fresh promo) |
| Effective Cost | S$847 (15.3% rebate) |
You could substitute Apple Watch with any other item as long as it falls under DBS promo’s shopping categories.
The S$2,000 tier isn’t that fantastic, but here is the Math anyway:
| Item | Amount |
|---|---|
| Purchase of S$2,000 | S$2,000 |
| DBS Live Fresh Cashback | S$56 (max S$50 + 0.3% cashback) |
| Overseas Spend Promo | S$100 |
| Forex Fee | S$15 (max S$50 rebate by DBS Live Fresh promo) |
| Effective Cost | S$1,859 (7.05% rebate) |
At S$2,000 and above, I would most probably look at using cards like DBS Vantage or DBS Altitude instead. If I could break up the spend, I would put about S$877 on DBS Live Fresh to max its 6% cashback first, followed by DBS Vantage/Altitude.
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Seth Wee was a licensed financial adviser representative from 2009 to 2025, with over 16 years of experience in Singapore’s financial advisory industry.
He started Sethisfy.com in 2019 to share practical insights on credit cards, banking products, and miles strategies, helping readers identify financial products that deliver the best value. Seth has been featured in CNA, Channel 8, Today, and a host of other publications. In 2025, he was also part of a panel at CPF’s Ready For Life festival.
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