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Enjoy up to 5% cashback on the things you love with DBS Chromo Card

Get up to 5% cashback on your top 2 local spend categories every month across Dining, Shopping, Transport and more - no selection required
0 FX fees and 5-year annual fee waiver
Enjoy the flexibility of toggling between cashback or miles every month
Limited time gift!

New to DBS/POSB Credit Cards and between 21-29 years old? Get rewarded with either the Samsonite MINTER 80/30 Trunk (worth S$680) with promo code: CMSAM or S$288 cashback with promo code: CM288.

Limited time gift!
Enjoy up to 5% cashback on the things you love with DBS Chromo Card.
Enjoy up to 5% cashback on the things you love with DBS Chromo CardLimited time gift!
Overview
Overview
Benefits
How it works
Turning 30 soon?
Exclusive Chromo deals
Eligibility
FAQ

Features and Benefits

The DBS Chromo Card is an everyday lifestyle credit card, designed for young adults between the ages of 21 - 29 years old in Singapore, that automatically rewards your top 2 local spending categories with cashback or miles.​
Get up to 5% cashback¹ on your top 2 local spend categories every month
No selection required - we maximise your savings for you every month across Dining, Travel, Shopping, Transport, Entertainment, and Wellness! Just hit a minimum spend of S$500 per month.
1% cashback on all other local spend
Earn 1% cashback¹ on all other local spend - no minimum spend required!
0 FX fees and 5-year annual fee waiver
Spend anywhere with 0 FX fees, online or in-store. Plus, enjoy no annual fees for the first 5 years.
Toggle between cashback or miles every month
Our rewards adapt to your lifestyle. Earn up to 5% cashback or 1.3 miles² per S$1 on your eligible local spend.
Choice of 5 playful colours
Choice of 5 playful colours

How to maximise your cashback or miles?

Meet Alexis! She has just started her first big girl job. She loves spending time with her friends, prioritising self-care and seizing her long weekends for travel. She also maximises her spending by choosing a credit card that rewards her lifestyle every month.

In both months, Alexis doesn’t have to worry about selecting the top 2 local spend categories. 

  • In Sep (Month 1), Alexis bought flights to Bangkok. She spent over S$500 on her trip and daily needs, earning her up to 5% cashback on her top 2 local categories: Travel and Shopping, and 1% cashback on her other eligible spend.
  • In Oct (Month 2), she joined a gym and celebrated her friend’s birthday, and was rewarded on her top 2 local categories: Dining and Wellness. 

Plus, she has the flexibility to switch her rewards once a month, allowing her to toggle between up to 5% cashback or 1.3 miles per S$1.

How to toggle between cashback or miles

Turning 30 soon?

Wondering what happens to your card once you turn 30? We’ve got you covered!

You will continue to earn up to 5% cashback or 1.3 miles per S$1 spend for 3 months after your 30th birthday month.

Here are some changes you can expect in the 4th month after your birthday:

  • If you opt for cashback rewards, you will earn 1.7% cashback on your eligible local spend, with no cap and no minimum spend requirement. 

  • If you opt for miles rewards, you will earn 1.3 miles per S$1 spend (awarded in the form of DBS Points) on eligible local spend, with no cap and no minimum spend requirement.

You will continue to enjoy the other benefits, including 0 FX fees, the flexibility to toggle reward preference between cashback or miles, and the ability to change your card design at a fee.

Get up to 50% off your favourite brands

Limited redemptions available. Terms and conditions apply.

Explore other perks you can enjoy with your DBS Chromo Card​

Multiplier Account

Earn 1.50% p.a. on your first S$50,000 with a Multiplier Account³ when you spend with your Chromo Credit Card. No minimum spend required.​
Eligible only for Multiplier account holders aged 29 years and below.

Travel insurance

Enjoy complimentary basic travel insurance with your DBS Chromo Card! Redeem your insurance before your next travel.​
Capped at 1 redemption per month. Valid for redemption till 31 Aug 2027. For card holders aged 18 years and above. Other Terms and conditions apply⁴

Who is this for

Experience Seekers
For those who prioritise experiences, from dining and entertainment to travel and new adventures.
Budget-Savvy Young Adults
For those who want to make every dollar count without compromising on the things they love.
Lifestyle enthusiast
For those who embrace their passions, whether it's wellness, fashion, food, or the latest trends.

Eligibility & Fees

Age

Must be between the ages of 21 to 29 years old at the time of application.​

Minimum income

Singaporeans/PR: S$30,000 p.a.

Foreigners: S$45,000 p.a.

Secured Card issuance is not available for DBS Chromo Card.

Not in the 21-29 age group? Click here to explore other products.

Annual Fee

Principal Card: S$196.20
Supplementary Card is not issued for DBS Chromo Card.

Annual fee waiver

5 years

Card Design Change Fee

The first card design selected during application is free. A fee applies to each subsequent design change and will be charged to the Cardmember’s account once successfully processed.

Late fee

S$100 will be levied if minimum payment is not received on the card account by payment due date.

Finance charges

27.8% p.a. is chargeable daily (subject to compounding)

Converting DBS Points to miles

Convert your DBS Points into air miles for your next trip with Asia Miles, Air Asia or KrisFlyer Miles.

KrisFlyer Miles
5,000 DBS Points = 10,000 Miles

Asia Miles
5,000 DBS Points = 10,000 Miles

AirAsia Points
500 DBS Points = 1,500 Miles

An administrative fee of S$27.25 (inclusive of GST) applies to each miles conversion and will be charged to DBS Credit Card.

Full list of fees

All fees shown here include GST. For full list, read our DBS Cards - Rates and Fees.

Frequently Asked Questions

Disclaimers

1Bonus cashback is capped at S$30 per Spend Category per calendar month. The maximum cashback a Cardmember can earn is capped at S$150 per calendar month. This cap includes both Base cashback and Bonus cashback earned in the same calendar month.

2Miles are awarded in the form of DBS Points (1 DBS Point = 2 miles) and do not expire.

3Deposit Insurance Scheme
Singapore dollar deposits of non-bank depositors and monies and deposits denominated in Singapore dollars under the Supplementary Retirement Scheme are insured by the Singapore Deposit Insurance Corporation, for up to S$100,000 in aggregate per depositor per Scheme member by law. Monies and deposits denominated in Singapore dollars under the CPF Investment Scheme and CPF Retirement Sum Scheme are aggregated and separately insured up to S$100,000 for each depositor per Scheme member. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.   

4Complimentary Basic Travel Insurance is underwritten by Chubb Insurance Singapore Limited (“Chubb”) and distributed by DBS Bank Ltd (“DBS”). It is not an obligation of, deposit in or guaranteed by DBS. This is not a contract of insurance. Full details of the terms, conditions and exclusions of the insurance are provided in the Policy Wordings and will be sent to you upon acceptance of your application by Chubb. This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation ("SDIC"). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact Chubb or visit the General Insurance Association or SDIC websites.