DBS changed its Mutiplier plan

[Kayeesha]

Thank you for your reply, @royalmix

DevilPlate is right! Be contented with what you can do/achieve, cost effectively, to earn the best interest you can achieve!

You already meet Income+credit card, so you just need 2 more cat. Prioritise what you should do now to optimise your benefits:

1. Focus on Income+3 cat to earn extra interest from Treasures
2. You already meet the lowest tier at 2.4%, apply casa will boost your interest by another 1.38% (total 2.8+1.38 =4.18%, already unbeatable!).

Since I can’t qualify the Income+3 cat for Oct, I can only hope for 2.8+1.38=4.18 for Nov and Dec.
For Jan 2026, I think I can only qualify the Income+2 cat (credit card spend + invest) for $100k at 2.1%. The balance $50k (earmarked under current casa promo) will be earning just 0.05%.

3. Investment - just do rsp, apply before 15th, it only cost you 50c

Can I check if the RSP is done via Banking > Invest > Unit Trust where I purchase either:
1. ABF Singapore Bond Index - SGD - Ydis - Cash (A35) or
2. Amova SGD Investment Grade Corporate Bond Index ETF - SGD - Ydis – Cash (MBH)
Entering $100 for monthly investment amount?

My RM had recommended using digiportfolio > Saveup portfolio
The minimum amount is $100 and management fee is 0.25%
But aside from MBH and A35, I'm not familiar with the funds that are listed there, so I’m unsure which to select. Someone also did mention digiportfolio is more costly although my RM said it’s cheaper $0.25 versus $0.50.

Also, from what I read here, one would sell once the $100 trade settles so that the $100 can be reinvested in the following month. Would this buy and sell optimise returns?

4. Apply endowment plan - 5k, if you prefer lower cost protectfirst - you will qualify for Nov

I will also have to apply another 5k endowment plan next month to quality for Dec. So, do everyone do this every month? If so, that will be 60k per year and over 3 years, that will be 180k in endowments before seeing any funds returning back. Isn’t that a heavy commitment?

Get all these done to secure it first. If u can, topup another 50k and add casa next mth if available, to optimise your returns.

I actually have the 50k now. I didn’t bring it in because I couldn’t hit the 3 categories this month.
If I bring it in Nov, should I add the casa promo if one is available, considering that I already have $150k under the current 4 month casa where only $100k will be earning the multiplier interest in Jan 2026? The remaining $50k will only be earning 0.05%. So, if I add the casa promo in Nov, it will only purely be for the casa rate. It will not be eligible for the multiplier interest in Jan 2026.

Bear in mind that whatever you do must be cost-effective, otherwise it really defeats the objective of forcing yourself to join last minute without proper thinking/planning!

Goodluck!

Thank you for your kind guidance.

 

[royalmix]

well the previous discussion was not exactly relatable as its about earlier than usual released of earmark coinciding with new month casa earmarking.
whereas for this case, the cap was increased from 100k to 200k, thus the discussion and interpretation of the involved casa & Treasures multiplier topup bonus tnc.

Treasures Topup Bonus Tnc
12. This Promotion is not to be used in conjunction with any other ongoing Deposits promotion offers.
Casa Tnc
5. For customers with multiple accounts, only one registration per account is allowed for this promotion

I give up! U never read he second part of his sentence! Case close/over!

Nobody can beat me in deciphering tnc and comments here!

 

[royalmix]

Thank you for your reply, @royalmix


Since I can’t qualify the Income+3 cat for Oct, I can only hope for 2.8+1.38=4.18 for Nov and Dec.
For Jan 2026, I think I can only qualify the Income+2 cat (credit card spend + invest) for $100k at 2.1%. The balance $50k (earmarked under current casa promo) will be earning just 0.05%.

Focus, 1 step at a time.

Oct
U can hit 1 more easily this mth, and another 1 more next mth, just do what i posted previously.

Your 50k will earn 1.38% +0.05% in Oct. Calculate your EIR for 150K.

Nov/Dec
Should hit Income +3

Jan 2026

Only 100k qualifies, move out the rest. (see my amended comments below)

Can I check if the RSP is done via Banking > Invest > Unit Trust where I purchase either:
1. ABF Singapore Bond Index - SGD - Ydis - Cash (A35) or
2. Amova SGD Investment Grade Corporate Bond Index ETF - SGD - Ydis – Cash (MBH)
Entering $100 for monthly investment amount?

RSP cost 50c only. Learn how to do it via banks website. Learn quickly and activate RSP before 15th. Another cat clocked! Choose your own fund, $100.

Edit: If you cannot handle it, approach your RM for help, just start RSP on digiportfolio first to clock it for this mth, then if you are able to learn more, next mth or so, can make changes!

My RM had recommended using digiportfolio > Saveup portfolio
The minimum amount is $100 and management fee is 0.25%
But aside from MBH and A35, I'm not familiar with the funds that are listed there, so I’m unsure which to select. Someone also did mention digiportfolio is more costly although my RM said it’s cheaper $0.25 versus $0.50.

Of course, RM want you to use banks "UT", they can earn more! How the fund performs, I dunno, but I never trust such managed funds. I buy UT, I know the loss if any will be minimal.

Also, from what I read here, one would sell once the $100 trade settles so that the $100 can be reinvested in the following month. Would this buy and sell optimise returns?

You monitor how your fund perform every mth, and act accordingly.

I will also have to apply another 5k endowment plan next month to quality for Dec. So, do everyone do this every month? If so, that will be 60k per year and over 3 years, that will be 180k in endowments before seeing any funds returning back. Isn’t that a heavy commitment?

You only need to buy 1 endowment fund this mth, you will qualify for 12 mths, literally do nothing every mth!
Go read up website how to do it, must pay by this mth, earlier the better, not sure walk into branch, as RM there to buy for you, they will explain everything to you, plus CKA!

Edit: I forgot, you got your own RM, approach your RM, he/she will be very happy!

I actually have the 50k now. I didn’t bring it in because I couldn’t hit the 3 categories this month.
If I bring it in Nov, should I add the casa promo if one is available, considering that I already have $150k under the current 4 month casa where only $100k will be earning the multiplier interest in Jan 2026? The remaining $50k will only be earning 0.05%. So, if I add the casa promo in Nov, it will only purely be for the casa rate. It will not be eligible for the multiplier interest in Jan 2026.

I forget about the locking period, it might not be worth for you to add another 50k which will be locked until end Jan, ie Jan you will lose out!

Thank you for your kind guidance.

 

[60Remajust]

what is this 1.38 u guys are talking abt pls?

i tried searching and searching on dbs website don't have

im already on treasure 200k thing, can i still join the 1.38?

 

[royalmix]

what is this 1.38 u guys are talking abt pls?

i tried searching and searching on dbs website don't have

im already on treasure 200k thing, can i still join the 1.38?

You should approach your RM!

 

[Kayeesha]

Thanks @royalmix.

Focus, 1 step at a time.

Oct
U can hit 1 more easily this mth, and another 1 more next mth, just do what i posted previously.

Your 50k will earn 1.38% +0.05% in Oct. Calculate your EIR for 150K.

Nov/Dec
Should hit Income +3

Jan 2026

Only 100k qualifies, move out the rest. (see my amended comments below)

RSP cost 50c only. Learn how to do it via banks website. Learn quickly and activate RSP before 15th. Another cat clocked! Choose your own fund, $100.

Of course, RM want you to use banks "UT", they can earn more! How the fund performs, I dunno, but I never trust such managed funds. I buy UT, I know the loss if any will be minimal.

You monitor how your fund perform every mth, and act accordingly.

You only need to buy 1 endowment fund this mth, you will qualify for 12 mths, literally do nothing every mth!
Go read up website how to do it, must pay by this mth, earlier the better, not sure walk into branch, as RM there to buy for you, they will explain everything to you, plus CKA!

I hadn’t realised doing it once will qualify me for 12 months.

Sigh, lately, I have noticed deterioration in my mind state, unable to think clearly. Please pardon my declining mental state.

I forget about the locking period, it might not be worth for you to add another 50k which will be locked until end Jan, ie Jan you will lose out!

Ok, I will not lock in with the casa promo but wouldn’t it still be worth to add another $50k in Nov?
Wouldn’t the additional $50k be earning the 2.4% for Nov and Dec? I can withdraw the $50k in Jan 2026 since I did not lock in with any casa promo. I hope I’m thinking clearly here.

 

[royalmix]

Thanks @royalmix.

I hadn’t realised doing it once will qualify me for 12 months.

Because your objective was different, 30k vs meet cat only!

Sigh, lately, I have noticed deterioration in my mind state, unable to think clearly. Please pardon my declining mental state.


Ok, I will not lock in with the casa promo but wouldn’t it still be worth to add another $50k in Nov?
Wouldn’t the additional $50k be earning the 2.4% for Nov and Dec? I can withdraw the $50k in Jan 2026 since I did not lock in with any casa promo. I hope I’m thinking clearly here.

Wow, you are more mentally alert than me!

Remember to read thru the websites FAQ and other info: everything is there!

 

[zumaba]

Anyone knows if the RSP for digiPortfolio will be counted for POSB Cashback Bonus ?

 

[60Remajust]

You should approach your RM!

ill call him later hehe

btw, did u earmark all 200k for yourself?

i understand jan can only earn interest on 100k but i get extra 1.38 for 3 mths

 

[iadpotato]

of course legit means .... use your brain to think ..... that is if you have

From your posts, very obvious u are non conformist. Maybe one of those who try hard to hack and now the banks have to implement SRF to block this and that to weed out such people.

Case closed. Another add to ignore

What’s SRF?

 

[sglandscape]

What’s SRF?

Shared responsibility framework

 

[sglandscape]

what is this 1.38 u guys are talking abt pls?

i tried searching and searching on dbs website don't have

im already on treasure 200k thing, can i still join the 1.38?

Try going to the branch?

 

[DevilPlate]

what is this 1.38 u guys are talking abt pls?

i tried searching and searching on dbs website don't have

im already on treasure 200k thing, can i still join the 1.38?

Yes take half day leave and queue with boomers (wear a mask as many coughing away) and tell the CSO in charge of the q that u are here for Casa promo. 1.38% on earmark funds till 30 Jan 2026. (On top of watever u get for multiplier)

Total duration roughly take 1-2h depending on branch and timing

 

[sglandscape]

Yes take half day leave and queue with boomers (wear a mask as many coughing away) and tell the CSO in charge of the q that u are here for Casa promo. 1.38% on earmark funds till 30 Jan 2026. (On top of watever u get for multiplier)

Total duration roughly take 1-2h depending on branch and timing

They have branches that open on Saturday too, don't have to be a weekday. Best is don't choose a POSB one, those will take forever.

 

[iadpotato]

They have branches that open on Saturday too, don't have to be a weekday. Best is don't choose a POSB one, those will take forever.

Hmm.. for $100k earmarked until 31 Jan 2026, additional 1.38% that will be about $450. Can consider doing, but going to branch damn sian…

 

[sglandscape]

Hmm.. for $100k earmarked until 31 Jan 2026, additional 1.38% that will be about $450. Can consider doing, but going to branch damn sian…

Usually need to spend at least an hour to an hour and a half to get it done. But no choice if want that extra.

 

[ericcsn]

Usually need to spend at least an hour to an hour and a half to get it done. But no choice if want that extra.

I wanted to complain.

Even as Treasures and AI, the priority they accorded is not immediate. They let a number of personal banking go through ahead of me (waited about 1/2 hr).

 

[Devilsire]

so nobody managed to settle casa earmark via RM without heading to branch physically?

 

[ericcsn]

7th day yesterday so interest arrived today.

Nice number: $333.

not sure why this number though since IIRC it should be:

$100k*30/365*(4.1-0.05)/100 = $332.88 (where 0.05 is the prevailing interest rate)

Did DBS quietly raise the max amount to $200K to cater to new Treasures customers and which we existing can also benefit (hence this difference since my amount in the account ia always very slightly more)?

I would like to do a further check.

 

[ThreeSteps]

Hmm.. for $100k earmarked until 31 Jan 2026, additional 1.38% that will be about $450. Can consider doing, but going to branch damn sian…

Don’t wait, interest loss each day if delay. I registered on 04Oct after my July Casa ended on 03Oct.

DBS 1.38% p.a. 4 months CASA promotion - promo period : 01Oct – 03Nov 2025 (at Branch)
Interest Calculation Period & Earmark Period : from registration date to 30Jan2026
Illustration(1) for $100k - 04Oct2025 to 30Jan2026 (119 days) bonus interest = $449.92
Illustration(2) for $100k - 16Oct2025 to 30Jan2026 (107 days) bonus interest = $404.55
Bonus interest will be credited by 28Feb2026