• Min. Monthly Income


  • Interest Rate

    24.9% p.a.

  • Balance Transfer

    0% p.a.

  • Annual Fee


Featured Highlights
  • 2X DBS points for every S$5 spent
  • Complimentary travel accident insurance
  • Access to American Express Selects® privileges


  • 14% fuel savings at Esso


  • 2X DBS points or 4 miles for every S$5 spent on dining
  • Access to American Selects privileges with wide range of dining deals
  • Exclusive dining deals for DBS Black Cardholders


  • 2X DBS points or 4 miles for every S$5 spent
  • Complimentary travel insurance


  • 2X DBS points for every S$5 spent
  • 12% savings at RedMart


  • 0.4X DBS points for every S$1 spent

Other Features

  • Access to American Express Selects® privileges
  • Free travel accident insurance up to S$350,000
  • 0% balance transfer up to 12 months

Card Information

Annual Fee $192.6
Min. Monthly Income $4,000
Min. age for principal holder

21 and above

Min. age for supplementary holder

18 and above

Fee for supplementary holder S$96.30
Finance charges 24.90% p.a. - prompt payment

28.90% p.a. - if the above mentioned is not met

Goods & Services Tax (GST)

Inclusive in annual fee

Late payment charge

S$60 for balance above S$50

Cash advance amount

Up to available credit limit

Cash advance charge

6% of the amount withdrawn or S$15.00, whichever is greater

Cash advance interest charge

Finance charges of 28% p.a. compounded daily until full repayment.

Cashback Limit


Rewards points expiry


Product Review by iMoney Singapore

Earn Rewards Points On Everything You Spend

DBS Black American Express Card rewards you with 2 DBS Points or 4 miles for every S$5 spent. You will get to earn your Rewards Points on anything you charge to your card. Be it dining or shopping, this card guarantees you with DBS Points or miles with no minimum cap on spending! This card lets you to enjoy year-rounds discounts from participating merchants, such as branded label, hotels and restaurants in Singapore and overseas. If you pump petrol at any of the Esso fuel stations, you will get to enjoy discounts up to 14%. Besides, you will be insured by travel accident insurance with coverage up to S$350,000. To be entitled for this great deal, you will only need to charge all your travel fares to this card. You are welcomed to transfer your credit card from your existing bank to DBS, with taking up the balance transfer programme. You can now repay your outstanding balances at 0% interest rate. You are allowed to choose to repay your outstanding balances in the first 6 months or 12 months upon card approval. If you were to choose 6 months for repayment period, you will need to pay 2.5% administration fee. If you were to repay your outstanding for the first 12 months, you will need to pay 4.5% administration fee.

Fees and Charges

Renewal fee for principal card is S$192.60 per year; for supplementary card is S$96.30 per year. Annual fee waiver is given to both types of card in the first year. Minimum monthly repayment is 3% of your statement balance, or S$50, whichever is higher, plus your outstanding balances and/or amount exceeds your credit limit. Interest charge on your outstanding balances will be 24.90% per annum, with minimum charge of S$2.50. If no minimum payment is received by the payment due date, a higher interest tier of 28.90% per annum will be charged to your card account. You will also be penalized on late payment charge if the minimum payment is not received by the payment due date, S$60 (more than S$50 of outstanding balance). As for cash advance charges, you will be charged on 6% of amount withdrawn, or S$15, whichever is higher.

Are You Eligible For DBS Black American Express Card?

DBS Black American Express Card is available to all Singaporeans, Singapore permanent residents and foreigners. The minimum income to apply for this card is only S$4,000 per month. Principal card applicants must be 21 years old and above; and supplementary card applicants must be 18 years old and above.

Looking for more options to choose from? Our credit card experts, also recommend you to check out other similar credit cards such as DBS Live Fresh Visa Card and UOB Preferred Platinum Visa Card, which may match your requirements. If you prefer to broaden your credit card search, discover more DBS credit cards and start comparing today!