Tips and Tricks: Maximising 10 Miles Per Dollar or 18% Rebates With DBS yuu
Last Updated: 31st March 2026
DBS yuu card is a difficult card to ignore, and for good reason too, thanks to its whopping 10 miles per dollar or 18% rebate earn rate depending on your preference. I have been using the card since it got good (3 years and counting!), so here are some tips and tricks I can share (publicly) on how to get more value from the card.
Don’t miss also its current sign-up promo:
DBS yuu Card
DBS yuu Card is an excellent card that gives up to 18% cash rebates or 10 miles per dollar (in conjunction with the yuu app)
🎁 New Cardholders
Apply as a new cardholder by 31st August 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.
⚠️ Important Steps
- Make sure to apply with the promo code and fill up the SingSaver Rewards Redemption Form. No form means no reward, so do not miss this step.
- Maintain valid DBS PayLah! account by the end of the Qualifying Spend period to be eligible for the reward.
- Make a minimum spend of S$500 within 30 days of card approval.
Terms and Conditions: [1]
For reference only; refer to exact details in terms and conditions
How yuu Points are credited
When you spend with DBS yuu at eligible yuu merchants, you get the following points:
| Type of Points | Earn Rate | Cap | Remarks |
|---|---|---|---|
| Scanning the yuu App | 1X yuu Point | Unlimited | Some yuu partners give a multiplier here Credited immediately to app |
| Base Earn Rate at eligible yuu merchants (except SimplyGo) | 1X yuu Point | Unlimited | Credited within same day when you scan your yuu ID when transacting |
| Bonus Earn Rate at eligible yuu merchants if min. spend is not met | 9X yuu Points | 28,800 yuu Points | Credited end of following month* |
| Bonus Earn Rate at eligible yuu merchants if S$800 min. spend is reached within calendar month | 35X yuu Points | 28,800 yuu Points (capped at S$822.86 of spend) | Credited end of following month* |
Technically, the DBS yuu card earns 35X yuu Points which is worth 9.72 miles per dollar or 17.5% rebates. The remaining 1X point is earned by scanning the yuu App, after which you can use any other card you wish (though there is little reason to use anything other than the DBS yuu card at a yuu Partner).
yuu Points are found in your yuu App. Download yuu app and enter code Q1Y4J3GW if prompted.
Redeeming for rebates
yuu Points can typically be used at a 0.5 cent per point valuation. At yuu partners where you are able to scan your yuu App at the point of purchase, you are able to use your yuu Points to offset the transaction at that valuation. For instance, if your transaction at Cold Storage is S$15, you can choose to offset 2,000 yuu Points for S$10 and pay the remaining S$5.
There are also better ways to redeem your yuu Points such as redeeming deals within the app. S$10 vouchers at Cold Storage is usually slightly discounted, costing 1,940 points (instead of the 2,000 required to offset S$10 in my example above). There can be larger discounts too, an the yuu App quite frequently offers vouchers at up to 50% discount (e.g. S$10 vouchers for 1,000 points instead of 2,000).
Personally, I try to redeem for discounted deals as much as possible. foodpanda vouchers at half price tend to be released each month in recent times. Cold Storage and Giant ones used to be quite common, but they haven’t shown up in a while now. I also use my yuu Points for rebates on months where I exceed my DBS yuu’s spend cap and can’t earn any more yuu Points with the card.
Redeeming for miles
When it comes to airline miles, yuu Points can only be transferred to KrisFlyer miles at a ratio of 3.6 yuu Points = 1 KrisFlyer Mile. Read this article for more details.
The bulk of my KrisFlyer miles still come from sources like DBS and UOB (points that can’t really be converted to many other airlines), but because yuu Points conversions are instant, free, and can be done in very small blocks. This is why I find it useful to have some yuu Points that I can convert to miles if I want to book a flight really quickly.
Double-wielding the Visa and Amex cards for S$1,645 monthly cap
DBS yuu comes in Visa and Amex versions, and each cardholder can hold both cards. Bigger spenders would want to do so because each card comes with its own S$822.86 cap. If you max both cards out, you can get 57,600 bonus yuu Points each month from both cards. That’s 16,000 miles or S$288 of rebates every month!
After you have linked your first card to your yuu App, your second yuu card is automatically linked.
Check out DBS sign-up promos here.
Difference between Visa and Amex versions
While both the Visa and Amex version of DBS yuu have the same earn rates and requirements, there are some slight differences between the two.
For instance, DBS yuu (Amex) gets to participate in certain American Express promo campaigns, such as the Shop Small campaign in July 2024. Such promos have been quite rare, but it’s a nice touch when it happens.
The Amex version, however, is not as widely accepted as the Visa version. A notable example of this is 7-11 which is a yuu partner but does not accept American Express cards.
Also, it seems like they have slightly different exclusions. Anecdotally, pandapay top-ups, for instance, seem to yield bonus points for the Amex version but not the Visa one.
Track your points expiry and spend with yuu App
You can check your points expiry as well as how much you have spent in a certain month with the yuu App.
There are also other ways you can track your spend. See this article for more details:
Spending sub-optimally still makes sense
A common objection I’ve heard to the DBS yuu is: “I don’t spend that much on [insert yuu Partner name]!”
While spending all S$800 on places like Giant, foodpanda, Singtel etc. is the most optimal way to use DBS yuu, I wouldn’t rule out the card even if I can’t hit all S$800 on yuu Merchants.
Because of how high the earn rate is, even spending about part of the S$800 minimum spend on yuu Partners and the rest elsewhere can make sense.
Even if you spend just S$400 on yuu Merchants and the remaining S$400 on other retail spend in a month, you still get an effective earn rate of 4.93 miles per dollar or 8.88% rebate on the entire S$800 which is very respectable.
Easy way to hit spend requirement: Dairy Farm vouchers
For the longest time, Dairy Farm vouchers — vouchers that can be used across Dairy Farm Group’s merchants such as 7-11, Cold Storage, Giant etc. — count towards transactions that generate 35X yuu Points with DBS yuu.
This makes it a quick and easy way to meet the spend requirement within a particular month. For smaller spenders, you can always buy S$800 worth of Dairy Farm vouchers before taking a few months or however long you need to spend down your vouchers before repeating the process.
While voucher purchases are specifically excluded from yuu App’s 1X points, cardholders have so far been getting 35X Points with DBS yuu card (provided S$800 minimum spend is reached within the month). When spending with your Dairy Farm vouchers, you can then scan your yuu App at the cashier to get 1X Point for whatever you are buying.
| Activity | yuu App | yuu Card |
|---|---|---|
| Buying Dairy Farm vouchers from Cold Storage or Giant | ❌ 1X yuu Points | ✅ 9X yuu Points (without min. spend) ✅ 35X yuu Points (S$800 min. spend reached) |
| Buying stuff with Dairy Farm vouchers | ✅ 1X yuu Points (if yuu App is presented) | ❌ Not applicable |
Paying Singtel bills (and a few other online stuff) via Singtel kiosks
If you are a Singtel user, paying Singtel bills via Singtel kiosks has so far gotten 35X for the longest time (there is no way to scan your yuu App for bill payment so you will not get the 1X Point).
There is also a way to charge certain internet services to your Singtel bill, increasing your ability to gain yuu Points with your DBS yuu card.
Note: do not pay your Singtel bill via the app or website if you want to earn 35X yuu Points.
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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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