• Min. Monthly Income


  • Interest Rate

    24.9% p.a.

  • Balance Transfer

    0% p.a.

  • Annual Fee


Featured Highlights
  • 3% rebates for spending on online shopping and groceries
  • 3-in-1 card with Credit, ATM and Net FlashPay capabilities
  • Exclusive access to 5 SAFRA clubhouses islandwide


  • 3% cashback for all spending on groceries


  • 0.3% cashback on entertainment bills
  • Exclusive access to SAFRA clubhouses islandwide


  • 3% cashback for spending on online shopping
  • 0.3% cashback for all other spending


  • 0.3% cashback on dining bills


  • 0.3% cash back on petrol
  • 14% fuel savings at Esso

Other Features

  • Access to SAFRA's privileges

Card Information

Annual Fee Free
Min. Monthly Income $2,500.00
Min. age for principal holder

21 and above

Min. age for supplementary holder

18 and above

Fee for supplementary holder N/A
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6% of the amount withdrawn or S$15.00, whichever is greater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

Double The Benefits With DBS and SAFRA Privileges

With DBS SAFRA MasterCard Card, you will earn cash rebate up to 3% on online shopping and groceries, with monthly cap of S$500 per month. On top of that, you will receive 0.3% cash rebate when you charge any purchases to your card. This card allows you for exclusive access to 5 SAFRA Clubhouses nationwide. You can access to any of the club facilities whenever you are free! You are entitled to Rewards Programme to enjoy exclusive vouchers and offers once you have collected sufficient of Rewards Points. 1 SAFRAPOINT is equivalent to S$1. This card can be used as credit card, ATM and Nets FlashPay. With Nets FlashPay, you can top up your card and pay for MRT/ LRT rides, Comfort and CityCab taxis, and public buses. This card also comes with MasterCard Paypass. With MasterCard Paypass, you will only need to wave your card to make transaction which is bellow S$100 at more than 30,000 selected shops and restaurants in Singapore. Furthermore, you are entitled to enjoy discounts at more than 1,700 participating merchants. DBS welcomes you to transfer your credit card from your existing bank with amazing balance transfer programme. You can now repay your outstanding balances at 0% interest rate. Repayment period can be either 6 months or 12 months. However, the longer the repayment period, the higher the administration fee: 2.5% administration fee for 6 months repayment period; and 4.5% administration fee for 12 months repayment period.

Fees and Charges

No annual fee is required, as long as you are an active SAFRA member. Interest charge on outstanding balances is 24.90% per annum, or S$2.50, whichever is higher. Interest will be charged higher if no minimum monthly payment is made by the payment due date, which is 28.9% per annum. Minimum monthly payment is 3% of your statement balance, with minimum charge of S$50 plus amount exceeds credit limit and overdue amounts. Late payment charge will be S$60 if your outstanding balance is more than S$50. For cash advance charge, you will be charged for 6% of amount withdrawn, with minimum charge of S$15.

Are You Eligible For DBS SAFRA MasterCard Card?

To apply DBS SAFRA MasterCard Card, you must be an existing SAFRA member and age 21 and above. For Singaporeans and Singapore permanent residents, your monthly income must not lower than S$2,500. For foreigners, your monthly income must not lower than S$3,750. Supplementary card applicants must be age 18 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 NUSS Visa Card and UOB SingTel Platinum Card, which may match your requirements. If you prefer to broaden your credit card search, discover more DBS credit cards and start comparing today!