• Min. Monthly Income


  • Interest Rate

    24.9% p.a.

  • Balance Transfer

    0% p.a.

  • Annual Fee


Feature Highlights
  • Cash rebates up to 6% for everyday spending
  • 3-in-1 card with Credit, ATM and EZ-link capabilities
  • Tap and Pay feature ready


  • Up to 20.1% off on fuel with SPC


  • 5% cashback with Sheng Siong


  • 1% cashback on bills from SP Services
  • 1% cashback on bills and purchases with StarHub
  • 2% cashback upon signing up for EZ-Reload
  • 1% cashback on HDB Season Parking renewal fee


  • 3% cashback on flights tickets with Airasia
  • 2% cashback on overseas spending


  • 3% cashback with Watsons +1% cashback with POPULAR and UrbanWrite
  • 2% cashback on overseas spending

Other Features

  • My preferred payment plan

Card Information

Annual Fee $38.52
Min. Monthly Income $2,500
Min. age for principal holder

21 and above

Min. age for supplementary holder

21 and above

Fee for supplementary holder S$19.26
Finance charges S$2.50 or;

24.9% p.a. (whichever higher)

Goods & Services Tax (GST)

Inclusive in annual fee

Late payment charge

S$60 for balance above S$50

Cash advance amount

Up to 75% of your credit limit; ATM withdrawals up to S$3,000 a day

Cash advance charge

S$15 or 6% of withdrawal amount

Cash advance interest charge

28% per annum on cash advance amount

Cashback Limit

No Cashback Cap

Rewards points expiry


Product Review by iMoney Singapore

A Card To Fulfil Your Daily Needs

POSB Everyday Card is a card that you definitely need for your daily expenses. With this card, you can now get rid of a fat wallet because you are just going to use this all-in-one card as a credit card, EZ-Link Card and ATM card. If you make flight booking at AirAsia.com, you will get 3% cashback! Plus, you will also get 2% cashback when you charge your card in overseas. You will also get 5$ cashback when you charge your groceries to this card at Sheng Siong. What’s more, receive up to 20.1% discount on fuel purchase at SPC. Besides, you will also get exclusive 3% cashback when you shop for beauty, health and personal care at any of the Watsons stores! This card even gives you 1% cashback on your utility bills from SP Services. Not only that, you will also get 1% cashback on StarHub mobile bills! Most importantly, you will get to earn 0.3% cashback on everything else on local spend! This card provides flexible payment plan, where you can decide your payment period for up to 2 years, with 0% interest rate and low processing fee. Processing fee will be higher for longer payment period. If you wish to transfer your fund to OCBC, join the OCBC balance transfer programme to repay your outstanding balances at 0% interest with your preferred repayment period. Processing fee will be determined by the repayment period: 2.50% for 6 months; and 4.50% for 1 year.

Fees and Charges

To renew POSB Everyday Card, you will need to pay S$128.40 for main card; and S$64.20 for supplementary card. However, you will get to enjoy 2 years of annual fee waiver. If you fail to make minimum monthly payment by the due date, you will need to pay for interest of 24.90% per annum for outstanding balances, with minimum charge of S$2.50. Plus, you will also be charged for late payment of S$60. Minimum monthly payment is S$50, or 3%of your statement balance, whichever are higher, plus overdue amounts and amount exceeds credit limit. For withdrawing cash, you will be charged 6% of amount withdrawn, or S$15, whichever is higher.

Are You Eligible For POSB Everyday Card?

To be entitled for POSB Everyday Card, you must be age 21 and above, with minimum monthly income of S$2,500 (for Singaporeans) or S$3,750 (for foreigners). Minimum age for supplementary cardholder is 18 years old.

Looking for more options to choose from? Our credit card experts, also recommend you to check out other similar credit cards such as UOB Visa Signature Card and Citibank M1 Platinum Visa Card, which may match your requirements. If you prefer to broaden your credit card search, review more POSB credit cards and start comparing today!