SAFRA DBS Mastercard Card

3.6

WalletWalk Rating

Best for SAFRA club members

Last updated: 26-Sept-2025

Overview

The SAFRA DBS Mastercard Card combines military community benefits with practical cashback rewards for NSmen and their families. Earn 3% cashback on contactless payments and online shopping with just S$500 monthly spend. Exclusively for SAFRA members who value both financial rewards and access to recreational facilities. This dual-purpose card serves over 100,000 military personnel and their dependents across Singapore.

Pros

↑3% cashback with low S$500 threshold
↑No annual fee for SAFRA members
↑Combined membership and credit card

Cons

↓Benefits are mainly for SAFRA members
↓Low base cashback rate of 0.3%
↓Cashback is capped at S$50 per month

Key Highlights

Welcome Offer
S$80 Esso Vouchers
New SAFRA members only
No minimum spend required
20 x S$4 fuel vouchers
Valid at all Esso stations

Reward Rate
Up to 3% cashback
3% contactless/online
0.3% other spending
Min S$500 monthly

Minimum Salary
S$30,000 annually
Citizens/PRs: S$30,000
Foreigners: S$45,000

Annual Fee
No annual fee
Free for SAFRA members
SAFRA membership required
From S$87.20 for 2 years

Highlight 6
SAFRA benefits
Military community card
Facility access included
Exclusive member rates

Key Benefits

Bill Payment

★3.0

▼

0.3% cashback on utilities
Auto-pay setup available

Cashback

★3.5

▼

3% contactless/online
0.3% other spending
SAFRA$ format

Dining

★4.0

▼

3% on contactless dining
SAFRA outlet discounts

Grocery

★3.0

▼

% on contactless
Supermarket coverage

Lifestyle

★3.5

▼

SAFRA facilities
Member activities

Reward Points

★3.5

▼

SAFRA$ rewards
KrisFlyer conversion
Member benefits

Shopping

★4.0

▼

3% online shopping
Contactless benefits

Merchant Offers

▼

SAFRA partnerships
1,800 merchants
Member exclusives

Liability Protection

▼

Basic protection
Zero liability

Balance Transfer

▼

Regular facility
Standard rates

Emi

▼

Basic facility
Limited merchants

No Annual Fee

▼

Lifetime free
SAFRA membership required

Detailed Information

Annual Fee	0
Monthly Percentage Rate	2.25%
Annual Percentage Rate	27.80%
Minimum Monthly Payment	3% or S$50, whichever is higher
Foreign Currency Markup	3.25%
Late Payment Charges	S$100 (incl. 9% GST)
Overlimit Charges	S$40 (incl. 9% GST)
Cash Advance Fee	6% or S$15, whichever is higher
Balance Transfer Fee	1.58% processing fee
Fee For Supplementary Card	S$98.10 (incl. 9% GST)
Card Replacement Fee	S$10.70 (incl. 9% GST)
Fee For Duplicate Statement	S$10 per statement

Identity Proof	NRIC (for Citizens/PRs) Passport (for Foreigners) SAFRA membership
Address Proof	Latest utility bill Bank statement Tenancy agreement
Income Proof Salaried	Latest 3 months payslips Latest Income Tax Notice CPF Contribution History
Income Proof Self Employed	Latest 2 years Income Tax Notice Latest 6 months bank statements Company financial statements

SAFRA DBS Mastercard Card

Age Requirement Salaried	21 years and above
Age Requirement Self Employed	21 years and above
Minimum Annual Income Salaried	S$30,000
Minimum Annual Income Self Employed	S$30,000

Age Requirement Salaried	21 years and above
Age Requirement Self Employed	21 years and above
Minimum Annual Income Salaried	S$30,000
Minimum Annual Income Self Employed	S$30,000

SAFRA DBS Mastercard Card

Overview

Pros

Cons

Key Highlights

Key Benefits

Detailed Information

Related Products

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Cons