DCS V2 Card
Choose Driver or Passenger. At S$688 monthly spend: 15% VICOM, 1.5% local dining excluding fast food, 2% other MYR spend, and 0.3% other spend; overall cashback cap S$90 monthly. Below S$688, base 0.3%.
Benefits & important limits
- Choose Driver or Passenger. At S$688 monthly spend: 15% VICOM, 1.5% local dining excluding fast food, 2% other MYR spend, and 0.3% other spend; overall cashback cap S$90 monthly. Below S$688, base 0.3%.
- Driver mode includes 5% eligible SG / MY fuel cashback and separate Esso Fleet discounts. Passenger mode offers up to S$35 monthly Zig vouchers, with spend tiers and redemption conditions.
Fees & repayments
- Monthly service fee
- S$10.90 / month
- Fee waiver
- First 12 months waived. Then S$10.90 monthly (GST included), waived in months with eight retail transactions or S$688 spend. This is a monthly service fee, not a single annual fee.
Interest, late-payment and cash-advance fees are separate from annual fees. Check the current tariff before carrying a balance.
Eligibility & work passes
Regular cards: age 21–65; citizens / PRs S$30,000 yearly income, or S$15,000 from age 56. Foreigners S$60,000, with an Employment Pass valid for at least 12 months, passport, billing-address proof, employment evidence and income documents.
Principal age: 21–65
Application documents ↗Overseas & FX fees
Foreign-currency and overseas-processing charges depend on the card network and DCS tariff. Cashback does not offset the fee automatically; this card is not presented as an unconditional 0% FX product.
Pay in the merchant’s local currency when comparing network conversion. Dynamic Currency Conversion (DCC) uses the merchant’s rate; 0% issuer fees do not promise the interbank rate or remove merchant mark-ups, cash-advance charges or ATM fees.