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
The 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