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POSB / DBS Debit Card Singapore review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

POSB / DBS Debit Card Singapore suits households in Singapore that want everyday spending, a savings balance and local perks in one place.

Key facts

Best for
Singaporean households that want fee-free debit spending with cashback and an easy-access savings balance.
Monthly fee
SGD 5↗
Currency conversion fee
up to 3.25%↗
Card type
Debit↗
Cashback rate
up to 9%↗
Legal entity
DBS Bank Ltd Co. Reg. No. 196800306E↗
Headquarters
Singapore↗
Support channels
Help-centre, Phone↗
Features
Multi-currency, Travel
Audience
Kids
Official website
posb.com.sg

Credit cards

Annual fee
SGD 0↗
Rewards type
Cashback↗
Rewards rate
Up to 9% cash rebates or 5 miles per S$1 (18X yuu Points)↗
Perks
Free PAssion membership worth S$12 (5-year membership fee waived perpetually), Yuu Points redeemable for instant cash rebates or 5 airline miles per S$1, PAssion member rates at Community Club courses, facilities and PA outlets, Complimentary National Library Board partner membership (borrow up to 24 items), S$5 eCapitaVoucher at 4,500 STAR$, Mastercard contactless tap and go for purchases below S$200 and NETS acceptance, PayNow and SimplyGo bus and train payments on the same card↗
Card kind
Credit↗
Pricing model
No annual fee

Savings

Headline rate
4.1%↗
Rate type
Variable↗
Minimum deposit
SGD 0↗
Access terms
Savings account with no stated term; base interest credited on the last day of each month↗
Account kind
Easy access↗

Facts checked September 26, 2026, 6 sources

Apps and profiles

Get the app
App Store
Elsewhere
WikidataWikipediaXLinkedInfacebook.comyoutube.com

Pros and cons

Pros

  • The PAssion debit card carries an annual fee of SGD 0
  • Linked savings balance paying 4.1% at a variable rate
  • Local perks: free PAssion membership, yuu Points, and PayNow and SimplyGo payments on the same card

Cons

  • Currency conversion fees reach up to 3.25%, above the alternatives compared here
  • The linked savings balance carries a monthly fee of SGD 5
  • Support runs on help centre and phone only
POSB / DBS Debit Card Singapore

Ready to try POSB / DBS Debit Card Singapore?

Scored 8.5 / 10 by SumCue.

See alternatives

Who it suits

  • Singaporean households that want fee-free everyday debit spending with cashback
  • Families and younger account holders drawn to the PAssion membership and yuu Points
  • Readers holding spare cash who want an easy-access balance paying 4.1%

Who should look elsewhere

  • Travellers who convert often, since fees run to up to 3.25% against 0% on the Starling debit card
  • People who want flat-rate conversion and would rather pay 0.1% on Wise
  • Readers after a plain multi-currency card, where bunq charges 0.5% to 3%

How POSB / DBS Debit Card Singapore compares

Where POSB / DBS Debit Card Singapore is available

Available
Singapore

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does the POSB / DBS Debit Card Singapore cost to hold?+

The PAssion debit card has an annual fee of SGD 0, and the listing records no annual fee as its fee model. That keeps the cost of carrying the card low, though the savings side sitting behind it is charged differently.

What monthly fee applies to the savings side?+

The savings balance carries a monthly fee of SGD 5, which sits alongside the interest it pays. Anyone mainly chasing the rate should weigh that monthly charge against the 4.1% the balance earns before opening it.

How much can I earn on the linked savings balance?+

The headline rate is 4.1% and the rate type is variable, so the figure can move rather than staying locked. The minimum deposit is SGD 0, and the account is easy access with no stated term, since base interest is credited on the last day of each month.

What type of card is it and what can it pay for?+

The card is a debit card, listed as credit in style, with Mastercard contactless tap and go for smaller purchases and NETS acceptance. PayNow and SimplyGo bus and train payments also run on the same card.

What extras come with the card?+

Perks include free PAssion membership, member rates at Community Club courses and facilities, National Library Board partner membership, and an eCapitaVoucher at a set level of STAR$ points. The listed audience is kids.

How do I get help if something goes wrong?+

Support runs through help centre and phone, so a help centre and a phone line cover most questions. Readers who prefer a written email channel or live chat would need to weigh other providers.

Sources

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Free ATM withdrawals, Protection.

POSB / DBS Debit Card Singapore

POSB / DBS Debit Card Singapore

Singaporean households that want fee-free debit spending with cashback and an easy-access savings balance.

8.5/10See alternatives