yuu Rewards Club is a free loyalty programme run by DFI Retail Group, the company behind Cold Storage, Giant, Guardian and 7-Eleven in Singapore. You earn 1 yuu Point for every S$1 you spend at more than 1,000 participating places, and every 200 points is worth S$1 off a future bill. That is a flat 0.5 percent back just for scanning your yuu ID at the till, which costs nothing. The DBS yuu Card is a separate product that supercharges the same points: spend at yuu merchants and you can earn up to 36X points, which works out to 18 percent in rebates or 10 miles per dollar. The catch is the card only hits that ceiling if you spend at least S$800 a month across four different participating merchants, and the bonus is capped at S$144 of value per month. This guide breaks down both the free programme and the card, the exact 2026 rates and rules, and the spend you need to make either one worth your time.
Two different things share the yuu name and people mix them up. yuu Rewards Club is the free points app. The DBS yuu Card is a credit card that earns those same points faster. You can use the free app without ever touching the card.
If you shop at Cold Storage, Giant, Guardian or 7-Eleven anyway, download the free yuu app and scan your ID at every checkout. It costs nothing and gives you 0.5 percent back. The card is only worth applying for if you can route a real S$800 or more of monthly spend through yuu merchants every month, hit four different ones, and you will actually use the points or miles. Below that, the free app plus a flat cashback card does more for less effort.
yuu is a multi-brand loyalty programme, which means one app and one points balance across many shops. You earn at the participating brands and you can spend your points at participating brands too. The earn rate is simple: 1 yuu Point for every S$1 you spend, with no cap on how many you can collect.
The redemption rate is the number that matters. Every 200 yuu Points is worth S$1 when you use them to offset a purchase. So 1 point is worth half a cent, and the everyday return from scanning at the till is 0.5 percent. It is not a fortune, but it is free money on spending you were doing regardless, and it stacks with whatever credit card you pay with.
There are three ways to earn. Scan your yuu ID (a barcode in the app) at the in-store checkout, tap a linked PAssion Card at participating retailers, or enter your yuu ID when you check out at online partners such as foodpanda. Points usually appear in your balance within a day or two. To redeem, you choose to offset part of your bill at the till or in the app, and 200 points becomes S$1 off.
The network is built around DFI Retail Group's own chains plus partners. The list shifts over time, so treat any printed list as a snapshot. As of 2026 the main participating brands in Singapore include the groups below.
Yes. yuu Points earned through the DBS yuu Card are valid for two years from the date they post, after which they lapse. The practical rule is to clear your balance well before that window closes rather than hoarding points for a big redemption that may never come.
This is a general habit worth keeping with any loyalty currency. Points are a liability the company can devalue or expire, not cash in the bank. Redeem in reasonable chunks, treat the value as roughly fixed at 200 points to S$1, and do not let a balance sit idle for years.
The DBS yuu Card is where the programme gets interesting and complicated. It comes in two flavours that run on different networks, a Visa and an American Express, and the points from both pool into the same yuu account if you hold both. The headline is up to 18 percent in rebates or 10 miles per dollar at yuu merchants, but that ceiling sits behind conditions.
The earn structure has three layers. Base earn at yuu merchants is 1 point per S$1 (0.5 percent rebate). Base earn at non-yuu merchants, meaning everywhere else, is just 0.5 point per S$1 (0.25 percent), which is poor, so this is not a card for general spend. The bonus is what you are here for: hit the monthly conditions and yuu-merchant spend earns 36 points per S$1, which is 18 percent in rebate value or 10 KrisFlyer miles per dollar once converted.
From 1 October 2025 the bonus conditions tightened. You now need to spend at least S$800 in a calendar month and transact at four or more different participating merchants in that month. There is no minimum spend per merchant, so a single plastic bag bought at the Cold Storage and Giant self-checkouts each counts as a merchant. The Cold Storage family (Cold Storage, CS Fresh, Jasons Deli) counts as one merchant for this purpose, so plan your four across genuinely different brands. SimplyGo public-transport spend counts as one of the four and earns the full bonus too.
| Item | Detail |
|---|---|
| Bonus rate at yuu merchants | 36 points per S$1 = 18% rebate or 10 miles per dollar |
| Base rate at yuu merchants | 1 point per S$1 = 0.5% rebate |
| Rate at all other (non-yuu) spend | 0.5 point per S$1 = 0.25% rebate |
| To unlock the bonus each month | Spend at least S$800 AND transact at 4 or more different participating merchants |
| Monthly bonus cap | 28,800 yuu Points, worth S$144 in rebate value |
| Annual fee | S$196.20 principal (waived year one); S$98.10 per supplementary card |
| Minimum income | S$30,000 for Singaporeans and PRs aged 21 to 54 (S$15,000 if aged 55 or above); S$45,000 for foreigners |
| Minimum age | 21 |
| Points to KrisFlyer miles | 3.6 points = 1 mile (200 points = 56 miles), free and instant |
The two conditions sound like a wall, but the card does not drop you back to nothing if you fall short. The 18 percent figure is built from three layers, and only the top layer needs both conditions. Knowing where each layer kicks in tells you whether a slow month still pays.
Layer one is the base 1 yuu Point per S$1 (0.5 percent) on yuu-merchant spend, which you earn no matter what. Layer two is an extra boost that lifts yuu-merchant and SimplyGo spend to 10 points per S$1, which is 5 percent in rebate value, and this layer needs no minimum spend at all. Layer three is the big one: an additional 26 points per S$1 (13 percent) that lands on top, taking you to the full 36 points per S$1, or 18 percent. That third layer is the only part gated behind both the S$800 spend and the four-merchant rule.
So if you transact at four merchants but fall short of S$800, or clear S$800 but only shop at three, you still earn 5 percent (10 points per S$1) on your yuu and SimplyGo spend, not just the 0.5 percent base. DBS applies the same S$144 monthly cap to this partial tier. A month where you only hit one condition is far from wasted, and that softens the risk of committing your grocery spend to the card.
| What you do that month | What you earn on yuu and SimplyGo spend |
|---|---|
| Hold the card, scan, pay (no conditions met) | 10 points per S$1 = 5% rebate, capped at S$144 of value |
| Meet only one condition (S$800 OR 4 merchants) | Still 10 points per S$1 = 5% rebate, capped at S$144 |
| Meet both conditions (S$800 AND 4 merchants) | 36 points per S$1 = 18% rebate or 10 miles per dollar, capped at S$144 |
| Any spend above the cap | Base 1 point per S$1 = 0.5%, uncapped |
Bonus points are capped at 28,800 yuu Points per calendar month, which is S$144 of rebate value. That cap was raised from S$78 when the rules changed in October 2025. The cap counts only the bonus portion of the earn, which is 35 points per S$1 (the remaining 1 point per S$1 is the uncapped base rate), so you hit it at S$822.86 of yuu-merchant spend in a month (28,800 divided by 35).
So the realistic best case looks like this. You spend about S$823 at yuu merchants across four or more brands, earn the full S$144 in rebate value, and that is the most the bonus will give you in one month. Anything beyond that earns only the base 1 point per S$1 (0.5 percent). The card rewards consistent, focused grocery and transport spend, not a one-off splurge.
If you hold both the Visa and the Amex versions, the S$144 cap applies per card, so two cards can in theory earn up to S$288 a month between them. That only makes sense if you genuinely spend over S$1,600 a month at yuu merchants, which is a lot of groceries. For most households one card is plenty.
The same 36 points per dollar can be cashed out two ways, and the right choice depends on whether you fly. As rebate, your points offset future bills at yuu merchants at 200 points to S$1, giving the 18 percent figure. As miles, points transfer to KrisFlyer at 3.6 points to 1 mile, free and instantly, which is where the 10 miles per dollar comes from. The minimum transfer block is 200 points (56 miles), then in 1-mile steps.
For most people who do not chase air travel, take the rebate. It is simple, it has a fixed and easy-to-understand value, and you use it on the same groceries you already buy. The 18 percent figure is genuinely strong for supermarket spend, where most cards pay 1 to 5 percent.
Take the miles only if you actually redeem KrisFlyer miles for flights and value them above about 1.5 cents each, since that is roughly where 10 miles per dollar starts to beat 18 percent cash. If you let miles expire or only ever redeem them for low-value rewards, the rebate wins every time. Value miles by how you will use them, not the headline number. If you are weighing cash against miles more broadly, our look at how cashback cards compare is a useful sense-check, and the best miles cards roundup shows where the yuu Card sits against pure miles cards.
The card and the points live in two places, and the link between them is manual. You pay with the DBS yuu Visa or Amex as normal, but you only earn the bonus points once the card is linked inside the yuu app. Skip the link and you forfeit the boost, so do this before your first big shop.
Linking takes a few minutes in the app. Open the yuu app, tap the DBS icon, tap Link Account, then Link DBS Card, and tap Continue to authenticate through digibank online. Once it confirms, every eligible swipe starts earning, tracking and redeeming through the same app. You do not scan your yuu ID separately when you pay with the card, since the card does the identifying.
The app also carries a DBS Progress Tracker, which is the tool that turns the S$800 and four-merchant rules from guesswork into a checklist. It shows how much of the S$800 you have spent and how many of the four merchants you have hit so far this calendar month, so you can see mid-month whether you are on track or need one more grocery run to reach the 18 percent. Qualifying spend usually shows up on the tracker within 3 to 5 days, though DBS allows up to 14 days, so check near the end of the month rather than the day after a purchase.
Earning is only half the value. yuu Points sit in your balance until you choose to use them, and the simplest route is to offset a bill at a participating shop. At Cold Storage, Giant, Guardian, 7-Eleven or foodpanda you can apply points at checkout so 200 points knocks S$1 off what you pay, instantly. There is no voucher to print and no minimum redemption beyond the 200-point step.
If you took the miles route instead, you transfer points to KrisFlyer through the yuu app. The transfer is free and lands in your KrisFlyer account near-instantly, in blocks starting at 200 points (56 miles) and then 1-mile steps after that. From there the miles behave like any other KrisFlyer balance for award flights. Our walkthrough on redeeming KrisFlyer miles for SIA flights covers how to get real value out of them.
A practical habit: redeem in modest chunks as you go rather than saving for a grand total. Points carry a two-year clock on the card, the value is fixed at 200 to S$1, and a future programme change could trim what they buy. Spending them on the next grocery bill locks in the value with zero effort.
The DBS yuu Card has a principal annual fee of S$196.20, waived for the first year, with supplementary cards at S$98.10 each. After year one the fee is real, so the rebate has to clear it. At the S$144 monthly cap you would earn up to S$1,728 of rebate value a year, which dwarfs the fee, but only if you actually fill the cap most months. If you can manage that, ask DBS to waive the fee on renewal, which they often do for active cardholders; our guide on getting an annual fee waived covers how to ask.
Eligibility follows the standard MAS rule for unsecured credit. For Singaporeans and PRs the minimum annual income is S$30,000 if you are aged 21 to 54, or S$15,000 if you are aged 55 or above; for foreigners it is S$45,000. You must also be at least 21. If you do not meet the income floor, DBS offers a secured version against a fixed deposit of at least S$10,000. New cardholders can usually claim a sign-up offer worth a few hundred dollars: a recent promotion let approved applicants choose between a Samsonite 28-inch luggage set worth S$740 or S$288 in cashback, subject to a minimum spend within the promotion window. The exact reward and conditions change from promotion to promotion, so check the current DBS terms before applying rather than banking on any one figure.
One thing to watch: spend made through bill-payment platforms such as AXS will be excluded from earning from 1 May 2026, so do not rely on routing utility or other bills through AXS to inflate your bonus spend. Stick to genuine retail at participating merchants.
Yes, if you shop at the chains anyway. The free yuu app costs nothing and gives 0.5 percent back at over 1,000 places, and it stacks on top of whatever card you pay with. If you already hold a strong flat cashback card, you pocket your card's rebate plus the yuu 0.5 percent on the same transaction. There is no reason not to scan.
There is also a cheaper boost than the credit card. The PAssion POSB Debit Card earns up to 18X yuu Points at yuu merchants, which is roughly 9 percent in rebate value, with no annual fee and no credit check. For someone who wants more than the base 0.5 percent but does not want a credit card or the S$800 monthly hurdle, that debit route is a sensible middle ground.
The honest framing is that yuu is a grocery-and-convenience play. The rewards are real but the spend is everyday spend, so the dollars are modest unless you run a large household. Treat any rebate as a small discount on essentials rather than a reason to spend more. If you find a loyalty programme nudging you to buy things you would not otherwise, that is lifestyle inflation dressed up as savings. Run your real monthly grocery and transport spend through the personal budget calculator first, then decide whether the card's hurdles fit how you already live.
Match the option to how you actually shop. If you rarely buy groceries at Cold Storage, Giant or Guardian and almost never use 7-Eleven, none of this is for you, and a flat cashback card you can use everywhere will serve you better.
If you do most of your grocery and household shopping at these chains and can hit S$800 a month across four merchants, the DBS yuu Card is one of the strongest supermarket-spend cards in Singapore at up to 18 percent. It is worth lining up against the field in our best grocery credit cards guide before you commit. If you shop there but cannot reliably hit S$800, skip the card, keep the free app, and consider the PAssion POSB debit route for a no-strings boost. For miles chasers who fly Singapore Airlines, the 10 miles per dollar at yuu merchants is among the best grocery earn rates available, provided you redeem those miles.
yuu Rewards Club is a free loyalty app run by DFI Retail Group. You scan it at Cold Storage, Giant, Guardian, 7-Eleven and other partners to earn 1 point per S$1, where 200 points equals S$1 off. The DBS yuu Card is a separate credit card that earns those same points much faster at yuu merchants, up to 36 points per S$1 (18 percent rebate or 10 miles per dollar) if you meet the monthly spend conditions.
Half a cent. Every 200 yuu Points is worth S$1 when you use them to offset a purchase at a participating merchant. They can instead be converted to KrisFlyer miles at 3.6 points to 1 mile, so 200 points becomes 56 miles.
From 1 October 2025 you must spend at least S$800 in a calendar month and transact at four or more different participating merchants that month. Hit both and your yuu-merchant spend earns 36 points per S$1 (18 percent or 10 miles per dollar), up to a bonus cap of 28,800 points worth S$144 a month.
Yes. yuu Points earned through the DBS yuu Card are valid for two years from when they post, then they lapse. Redeem in reasonable chunks rather than hoarding a large balance, since points can be devalued or expire and are not cash in the bank.
It is a credit card and comes in a Visa and an American Express version, with points from both pooling into one yuu account. There is also a separate PAssion POSB Debit Card that earns up to 18X yuu Points (about 9 percent) at yuu merchants with no annual fee, for people who prefer a debit card.
The principal annual fee is S$196.20, waived for the first year, with supplementary cards at S$98.10. For Singaporeans and PRs the minimum annual income is S$30,000 if you are aged 21 to 54, or S$15,000 if you are aged 55 or above; for foreigners it is S$45,000. You must be at least 21. A secured version against a fixed deposit of at least S$10,000 is available if you do not meet the income floor.
Yes if you already shop at the chains. The free app gives 0.5 percent back at over 1,000 places and stacks on top of whatever card you pay with, so it is free money on spending you were doing anyway. The card only adds value if you can route S$800 or more of monthly spend through yuu merchants and will use the points or miles.
You still earn 5 percent, not just the base 0.5 percent. The full 18 percent comes from three layers: a 0.5 percent base, a 5 percent tier that needs no minimum spend, and an extra 13 percent on top that requires both the S$800 spend and four different merchants. Hit only one of those two conditions and your yuu-merchant and SimplyGo spend still earns 10 points per S$1 (5 percent), capped at S$144 of value for the month.
Use the DBS Progress Tracker in the yuu app. It shows how much of the S$800 you have spent and how many of the four merchants you have transacted at so far in the calendar month, so you can see mid-month whether you are on track. Qualifying spend usually appears on the tracker within 3 to 5 days, though DBS allows up to 14 days, so check before the month ends rather than right after a purchase.
At Cold Storage, Giant, Guardian, 7-Eleven or foodpanda you apply points at checkout to offset the bill, where 200 points takes S$1 off instantly with no voucher needed. If you prefer miles, transfer points to KrisFlyer free through the yuu app, starting at 200 points (56 miles) and then in 1-mile steps. Redeem in modest chunks before the two-year expiry rather than hoarding a balance.
Participating brands in 2026 include Cold Storage (with CS Fresh and Jasons Deli counting as one), Giant, Guardian, 7-Eleven, foodpanda, Gojek, Singtel, Charge+, CHAGEE via its app, and SimplyGo public transport, which counts as one of the four. CHAGEE was added around October 2025, while BreadTalk, Toast Box and Mandai Wildlife Group left, so plan your four across genuinely different brands from the current list.
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.