Review: DBS yuu Credit Card (2026)

“Real 18% rebates or 10 miles per dollar” should pretty much sum up any review that talks about DBS yuu Credit Card. With this staggeringly high rate, DBS yuu is difficult to ignore whether you are into cashback or miles.

Perhaps more impressive than the earn rate itself is how long DBS and yuu Rewards Club have kept up this staggering earn rate – more than 3 years now by my count, and fingers crossed that nothing changes in the near future.

The card did see a revision in late 2025 that incurred mixed reactions from some 567 people. While 33% felt neutral about it and 22% thought that it was an improvement to the card, 45% of respondents viewed the changes negatively. This year, DBS yuu surprised everyone (well, me at least) by being further buffed by the addition of Max Miles transfers (see video).

How does DBS yuu fare now in 2026? Let’s take a closer look.

Getting up to 18% rebates or 10 miles per dollar

DBS yuu is a pretty straightforward card (a far cry from what it was when it first launched in 2022) – spend on yuu Merchants, hit the minimum spend, and get rewarded with yuu Points.

Each yuu Point is worth at least 0.5% in rebates when redeemed within the yuu App, and can also be converted into KrisFlyer miles or Max Miles at a 3.6 yuu Points : 1 mile ratio. This translates into each yuu Point being worth approximately 0.28 miles.

yuu Point	Rebate Value	Miles
1 Point	≥0.5¢	0.28 miles

The card awards base points followed by bonus points depending on the amount you spend each month. For good measure, DBS yuu also added SimplyGo to its list of transactions that would get up to 36X yuu Points from October 2025.

Base points

Merchant	Category	Earn Rate	Rebate %	Miles Per Dollar
Non-yuu Merchants	Base	0.5 yuu Points per dollar	0.25%	0.14 mpd
🚇 SimplyGo	Base	0.5 yuu Points per dollar	0.25%	0.14 mpd
yuu Merchants*	Base	1 yuu Point per dollar	0.50%	0.28 mpd

DBS yuu awards its base earn rate of 0.5 yuu Point per dollar to non-yuu Merchants as well as SimplyGo spend.

For yuu Merchants, the 1 yuu Point per dollar earn rate is awarded by the yuu App instead. While most yuu Merchants allow you to scan your yuu ID found within your yuu App for this, there are a few cases such as making payment at Singtel kiosks that do not allow you to scan your yuu ID for the base points.

Thankfully, whether your yuu ID was scanned does not affect the card’s bonus points.

Bonus points with no min spend

DBS yuu does not require any minimum spend for you to unlock its 10 yuu Points per dollar earn rate. Simply spending on eligible transactions, namely SimplyGo and at yuu Merchants, allow you to earn up bonus points:

Merchant	Category	Earn Rate	Rebate %	Miles Per Dollar
🚇 SimplyGo	Bonus (no min spend)	9.5 yuu Points per dollar	4.75%	2.64 mpd
yuu Merchants	Bonus (no min spend)	9 yuu Points per dollar	4.50%	2.50 mpd

Though DBS yuu’s terms and conditions state that bonus points can take up to 60 days after the end of each month to be credited, these bonus points are typically awarded towards the end of the following month. For instance, transactions made in July 2026 will likely receive the bonus points at the end of August 2026.

Combined with the base points, you can expect at least 10 yuu Points per dollar – equivalent to 5% rebates or 2.78 miles per dollar – when you spend on SimplyGo or yuu Merchants without hitting the card’s minimum spend.

With S$800 min spend and 4-merchant requirement

Hitting the minimum spend of S$800 is where the card shines because it unlocks the headline 36X yuu Points per dollar earn rate:

Merchant	Category	Earn Rate	Rebate %	Miles Per Dollar
🚇 SimplyGo	Bonus (with min spend)	35.5 yuu Points per dollar	17.75%	9.86 mpd
yuu Merchants	Bonus (with min spend)	35 yuu Points per dollar	17.5%	9.72 mpd

Combined with the base points, the 36X yuu Points earn rate is equivalent to 18% rebates or 10 miles per dollar, resulting in rewards that are more than double of most of its competitors.

Note that cardholders also need to spend on at least 4 different yuu Merchants to qualify for this earn rate, and SimplyGo transactions will also count as one eligible merchant. It’s a little more troublesome than before where you could spend solely on one or two merchants, but given that there is no minimum spend for this, you can simply spend small amounts at yuu Merchants to easily meet this requirement.

Max bonus points of 28,800 per month

The card will award a maximum of 28,800 bonus yuu Points each calendar month. Because this is a limit on the number of bonus points, you can spend a maximum of S$822.86 (28,800 ÷ 35) on yuu Merchants for the card’s full earn rate.

Spend is counted by calendar month and transaction date

DBS yuu tracks its spend by calendar month and transaction date which makes it easier for cardholders to keep track of their spending as well as try to put in last-minute spend. It is entirely possible to make spend on your card on the final day of the month and still have it count towards that month’s spending.

Eligible Merchants

The yuu ecosystem is currently represented by this list:

Participating Merchant	Defined as transactions made in Singapore at
🛒 Cold Storage	Cold Storage CS Fresh Jasons Deli
🛒 Giant	Giant Giant Hypermart Giant Express
💊 Guardian	Guardian
🏪 7-Eleven	7-Eleven
🥡 foodpanda	foodpanda food delivery panda mart panda shops
🚕 Gojek	Gojek Singapore
🚇 SimplyGo	Bus and train rides via SimplyGo
🚗 Charge+	Charge+ Singapore
🧋 CHAGEE	Orders placed via CHAGEE App
📱 Singtel	Singtel Shop Singtel Exclusive Retailers

While the list has remained largely the same over the years, there have been a few additions and departures.

Whether the DBS yuu Card is useful to you highly depends on how much spend you have for these merchants. Though they are merchant-specific, I personally find them a good mix of different categories such that it is quite possible for me to hit the S$800 minimum spend entirely on yuu Merchants.

Spending sub-optimally with DBS yuu

For those who can’t find that much yuu-related spend, note that the minimum spend can also be reached with non-yuu merchant spend as long as they are not excluded transactions. Depending on your spending habits, this may make sense due to DBS yuu’s massive earn rate:

How Much Spend on yuu Merchants Must I Do to Use DBS yuu?

Tracking your DBS yuu Spend

Tracking spend you have made on your DBS yuu is also a relatively painless affair, and I have listed 3 methods you can use:

3 Ways to Track Your DBS yuu Spend Requirement

Other tips and tricks

With the DBS yuu the one card I max out each month, here are some tips and tricks I’ve managed to compile over the years, including trying to hit the minimum spend with vouchers, Singtel kiosks, and doubling your spend capacity with both the Amex and Visa versions:

Tips and Tricks: Maximising 10 Miles Per Dollar or 18% Rebates With DBS yuu

Rebates or miles via yuu App

While you can use your yuu Points to directly offset your spend at certain yuu Merchants at a rate of 0.5 cents per mile, you would want to make use of your yuu Points with the yuu App instead. You can download the app here (and use Q1Y4J3GW if prompted for a referral code, though I think this is currently inactive in 2026).

yuu Points will last for 2 years from the month they are earned (e.g. points earned in July 2026 will expire by 31st July 2026), and the app tells you whether any points are expiring within the current month and the next 3 months.

Redeeming for items

The yuu App has a relatively wide range of vouchers for you to redeem, and they generally offer you greater value than just 0.5 cents per yuu Point. For instance, you use up 4,000 yuu Points at Cold Storage to offset S$20 from your groceries, but the yuu App lets you redeem a S$20 Cold Storage voucher at a discounted price of 3,880 points. Occasionally, the app also offers as much as 50% off the usual points required, though that has become rarer in recent months.

It’s worth taking a look at the catalog from time to time for good deals, and a recent example I have is the ongoing iPad redemption (which may be gone depending on when you read this, so staying subscribed is key).

Good redemptions can significantly increase the value you get from your yuu Points, in turn making the DBS yuu’s massive earn rate even higher.

Converting into KrisFlyer Miles or Max Miles

When it comes to miles, yuu Points can be converted into 2 types of miles – Singapore Airlines KrisFlyer miles, and Max Miles from HeyMax. Both have exactly the same ratio:

Miles Programme	Ratio	Min/Max
Singapore Airlines KrisFlyer	3.6 yuu Points : 1 mile	Min: 56 miles Max: no limit
HeyMax Max Miles	3.6 yuu Points : 1 mile	Min: 500 miles Max: 50,000 miles per month

While having 2 types of miles to choose seems quite restrictive, Max Miles can be transferred to more than 10 airlines and hotel loyalty programmes.

This in turn makes yuu Points one of the most versatile currencies around, allowing you to either get KrisFlyer miles if you want, or Max Miles which are a conduit to other forms of points and currencies.

Both redemptions are instant, with a minimum of 56 miles for KrisFlyer miles and 500 for Max Miles.

KrisFlyer miles can be transferred directly within the yuu App. For Max Miles, users will have to redeem a voucher under the Rewards tab, and enter the code within their HeyMax app. This is currently capped at 50,000 Max Miles per month, and HeyMax tells me that they will be adding a more direct form of transfer that should function similarly to KrisFlyer transfers without a hard limit.

Max Miles are a fantastic form of points to have, and its ability to transfer miles to airlines like EVA Air and Qatar Airways makes it possible to take advantage of some really good redemptions. This, like good redemptions made on the yuu App, can drastically improve the value you get from your yuu Points.

Sign up (or compare to other cards)

The Verdict

The correct way of picking a credit card would be to find a card that fits your area of spend. When it comes to the DBS yuu Card, however, I think it is worth asking whether you could instead try to shift your spending habits to fit the card. With as much as 18% rebates and 10 miles per dollar, the things you spend on can often be significantly more affordable on a yuu Merchant rather than your usual choice of supermarket or ride-hailing app.

Even those who can’t hit the entire S$800 minimum spend on the card can consider using the card sub-optimally. Thanks to the high earn rate, even spending half of the S$800 on yuu Merchants and the other half on non-yuu ones means getting an earn rate of 9% rebates or 5 miles per dollar. This easily bests many other cards available, and we have yet to consider the versatility of yuu Points.

While the card’s latest changes (in late 2025) have indeed made the card a little harder to use by pushing up the minimum spend to S$800, it’s pretty much a glass half-full-or-half-empty situation.

Personally, I find having an increased spend cap for more points a welcome improvement. We have to consider any changes to the card against the card’s gigantic earn rate, and DBS yuu is easily still the top card we have with an impossibly generous earn rate in 2026. Hopefully it will stay that way for much longer.

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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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