The DBS yuu Card earns yuu Points instead of straight cashback, and the headline is loud: up to 18% rebate, or 10 miles per dollar, at yuu merchants. That rate is real, but it is gated. As of June 2026 you only reach it after charging S$800 in a calendar month and transacting at four participating merchants (SimplyGo counts), with the bonus capped at S$144 of value a month. Miss either rule and the rate at yuu merchants drops to 5% rebate, and everything outside the yuu network earns a thin 0.25%. This review runs the real earn maths, the income and fee rules, the merchant list, how yuu Points convert to dollars or KrisFlyer miles, the exclusions DBS does not advertise, and who the card actually pays.
The card runs on yuu Points, the shared loyalty currency behind DBS, FairPrice Group's former partners and the wider yuu Rewards Club. Every dollar you charge earns a number of yuu Points, and those points are later redeemed for dollar offsets or converted to miles. The trick is that the earn rate swings massively depending on where you spend and whether you clear the monthly conditions.
At yuu merchants, the base is 10 yuu Points per S$1, which DBS frames as 5% rebate or about 2.78 miles per dollar. Hit the monthly conditions and DBS layers a bonus on top, lifting the rate to 36 yuu Points per S$1, which is the headline 18% rebate or 10 miles per dollar. Outside the yuu network you earn just 0.5 yuu Point per S$1, roughly a 0.25% rebate, on local and foreign spend alike. SimplyGo public transport sits in the bonus pool too, so daily MRT and bus taps can help you clear the conditions.
Because the value of a yuu Point depends on how you redeem it, the dollar-rebate framing assumes you cash points out at the standard 200 points to S$1. If you convert to miles instead, the same spend is worth more or less depending on the airline. To see how a steady monthly rebate compounds if you sweep it into a savings pot rather than respend it, the savings goal calculator turns the difference between S$50 and S$144 a month into a real timeline.
| Where you spend | Base rate | With monthly conditions met | In plain terms |
|---|---|---|---|
| yuu merchants (e.g. Cold Storage, Giant, Guardian, 7-Eleven, foodpanda, Gojek) | 10 yuu Points / S$1 (5% rebate) | 36 yuu Points / S$1 (18% rebate or 10 mpd) | Headline rate, gated |
| SimplyGo (MRT, bus) | 0.5 yuu Point / S$1 (0.25%) | Up to bonus tier | Counts toward the 4-merchant rule |
| Everything else (local + overseas) | 0.5 yuu Point / S$1 (0.25%) | No bonus | Thin base rate |
Two conditions unlock the 18% rate, and you need both in the same calendar month. First, charge at least S$800 in total to the card. Second, transact at four or more participating merchants, where SimplyGo counts as one. Clear both and the bonus applies to your yuu-merchant spend up to the cap. Miss either and your yuu-merchant spend falls back to the 5% base, while non-yuu spend stays at 0.25%.
DBS raised this bar in 2025. The minimum spend jumped 33% from S$600 to S$800, and the four-merchant requirement was added, so the card now asks for more before it pays its best rate. That makes it a poor fit for light or single-store spenders. If you only ever buy groceries at one chain, you will likely never trip the four-merchant rule, and the headline rate stays out of reach.
The cap matters as much as the floor. Bonus value is capped at S$144 a month, which works out to a maximum of 28,800 bonus yuu Points. At the full 18% rebate, you fill that cap after roughly S$800 of yuu-merchant spend, so spending far beyond that earns only the 5% base on the excess. Mapping a realistic monthly figure through the personal budget calculator tells you fast whether S$800 across four yuu partners is something you hit every month or only occasionally.
The bonus rate only fires at participating yuu merchants, so the partner list is the whole game. As of June 2026 the network covers daily grocery, convenience, pharmacy, food delivery, ride-hailing, telco and transport, which is why the card suits households that genuinely concentrate spend in these chains.
Note that the partner roster has shifted over the years and DBS updates it periodically, so confirm a merchant is still in-network before you count on the bonus. The current core partners are listed below.
The card comes in two flavours, a DBS yuu Visa and a DBS yuu American Express. Both earn identical yuu Points at the same merchants, so the rewards engine is the same. The difference is acceptance and perks: Visa is taken almost everywhere, while the Amex version adds occasional lifestyle and travel offers but is accepted at fewer outlets in Singapore. If you want one card that always works at the counter, Visa is the safer default.
The principal annual fee is S$196.20, with the first year typically waived; supplementary cards run S$98.10. To keep the card fee-free past year one you generally need to ask for the waiver or meet a spend condition, so set a calendar reminder near your anniversary rather than assuming it renews free.
Eligibility follows standard DBS credit-card rules: minimum age 21, and minimum annual income of S$30,000 for Singaporeans and PRs, or S$45,000 for foreigners. If you are deciding between this and a flat-rate cashback card, our roundup of the best rewards credit cards in Singapore sets the yuu Card against simpler options that pay regardless of where you shop.
| Item | Detail |
|---|---|
| Principal annual fee | S$196.20 (first year typically waived) |
| Supplementary card fee | S$98.10 |
| Minimum age | 21 |
| Min income (SG / PR) | S$30,000 |
| Min income (foreigner) | S$45,000 |
| Card networks | Visa or American Express (same earn rate) |
yuu Points are flexible, which is the card's quiet strength. The simplest route is dollar offsets: you can start redeeming from as little as 10 yuu Points, and the standard value is 200 yuu Points for S$1 off in-store at partner outlets. That is the basis for the 18% and 5% rebate figures quoted everywhere.
For travellers, points convert to KrisFlyer miles at 3.6 yuu Points to 1 mile, in blocks of 200 points. That is the maths behind the 10 miles per dollar headline: 36 yuu Points per dollar divided by 3.6 equals 10 miles. Whether that beats a dedicated miles card depends entirely on hitting the conditions and concentrating spend at yuu merchants, since outside the network you earn a near-worthless 0.14 mile per dollar.
Treat the two redemption paths as a fork: cash out for groceries and convenience if you want certainty, or bank miles if you fly and value them above about 1.8 cents each. For a deeper look at how this loyalty currency works beyond the credit card, see our explainer on yuu Rewards and the yuu card.
Plenty of spend is locked out of the bonus. yuu Points are not awarded at the bonus rate on charitable donations, education, government and institutional payments, hospitals, insurance premiums and utility bills, among other excluded categories. These count toward neither the S$800 floor in the way you might hope nor the bonus tier, so do not plan to clear conditions on a big insurance charge.
The card pays best for a specific profile: a household that already buys groceries, convenience items, food delivery and rides across several yuu chains, spends at least S$800 a month, and will actually redeem points rather than let them lapse. For that person the 18% rebate or 10 miles per dollar is genuinely strong on essentials.
It pays poorly for light spenders, single-store loyalists and anyone who charges mostly outside the yuu network, where the 0.25% base is beaten by almost any flat-rate cashback card. If your spend is spread thin or unpredictable, compare against the wider field in our best credit cards in Singapore guide before committing to the yuu Card's conditions.
As of June 2026 you need at least S$800 of total card spend in a calendar month and transactions at four or more participating merchants, where SimplyGo counts as one. Meet both and yuu-merchant spend earns 36 yuu Points per dollar (18% rebate) up to a S$144 monthly cap.
The principal annual fee is S$196.20, usually waived for the first year, and supplementary cards cost S$98.10. To stay fee-free after year one you generally need to request a waiver or meet a spend condition, so set a reminder near your card anniversary.
For dollar offsets, 200 yuu Points equals S$1 off at partner outlets, and you can start redeeming from as little as 10 points. For travel, 3.6 yuu Points convert to 1 KrisFlyer mile in blocks of 200, which is why 36 points per dollar equals 10 miles per dollar.
Generally no. Light or single-store spenders rarely hit the S$800 floor and four-merchant rule, so they fall back to a 5% rate at yuu merchants and a thin 0.25% everywhere else. A flat-rate cashback card usually pays more for less effort if your spend is low or spread out.
This is general financial information for Singapore, not personal financial advice. Figures change — verify current rates against the official sources above before acting. See our full disclaimer.