DBS Live Fresh Card Calculator
Best for: Young professionals who can maximize one spending category per month and don't mind using the DBS Card+ app to claim rewards
View official detailsThe DBS Live Fresh Card is designed for young professionals who want flexibility in their cashback rewards. Each month, you select one spending category to earn 5% cashback from three options: Entertainment and Online Travel (covering Netflix, Spotify, cinemas, Agoda, Klook, and airlines), Online Fashion/Beauty and Selected Merchants (including Nike, UNIQLO, ZARA, SEPHORA, and Amazon), or Green Merchants and Online Charity (eco stores and donations to organisations like UNICEF). The 5% rate is capped at HK$150 cashback per month, which equates to HK$3,000 in spending. Online foreign currency transactions earn 1% with no cap and no registration required, while all other spending earns a 0.4% base rate. To earn the 5% rate, you must register via the DBS Card+ app, select your category in advance, and manually click the InstaRedeem button within 45 days of each qualifying transaction. You can change your category selection before month-end to take effect the following month.
- 5% cashback on chosen category (among the highest rates available)
- Flexible category selection - change monthly to match your spending
- 1% unlimited on online foreign currency (no cap, automatic)
- No minimum spending requirement
- Annual fee waived first year
- Lower income requirement (HK$150,000) than premium cards
- HK$150 monthly cashback cap on 5% category (= HK$3,000 spending)
- Must manually click InstaRedeem within 45 days for each 5% transaction
- Requires DBS Card+ app registration and ongoing management
- Only 0.4% base rate on non-bonus spending (low)
- 5% categories are quite specific/niche
- Online FCY must be BOTH online AND foreign currency