DBS Chromo Card

[sibeiTrolled]

https://www.dbs.com.sg/personal/cards/credit-cards/dbs-chromo-card

New CC by DBS
For 21-29 years old ONLY. Once 30 and beyond will drop to 1.7% cashback or 1.3 miles per S$1
- Cashback or miles selection
- 0 FX fees but no rewards
- 5 Year annual fee waived

Earn up to 5% cashback1 on your top 2 local spend categories. No selection needed - we maximise your savings for you every month!

Just hit a minimum spend of S$500 per month to earn the cashback.

Earn 1% cashback1 on all other local spend - no minimum spend required!

The spend categories eligible for Bonus cashback are Dining, Travel, Shopping, Transport, Entertainment and Wellness.

Spend anywhere with 0 FX fees, for wherever life takes you.

Plus, enjoy no annual fees for the first 5 years.

Enjoy the flexibility of toggling between cashback or miles every month.

Our rewards adapt to your lifestyle. Earn 1.3 miles per S$1 on your eligible local spend.

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

Age	Must be 21 to 29 years old
Minimum income	Singaporeans/PR: S$30,000 p.a. Foreigners: S$45,000 p.a.

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.
Annual fee waiver	5 years
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, KrisFlyer Miles, or Qantas Points. Conversion Rate DBS Points Miles KrisFlyer Miles 5,000 10,000 Asia Miles 5,000 10,000 Qantas Points 5,000 10,000 AirAsia Points 500 1,500 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.

Review of this card by Milelion - https://milelion.com/2026/09/06/dbs-chromo-card-mighty-morphin-flexible-rewards/

Possibility of this card replacing the Live Fresh Card as pointed out by Garlic in post 7
https://forums.hardwarezone.com.sg/threads/dbs-chromo-card.7221655/post-159884008

https://www.dbs.com.sg/personal/cards/credit-cards/live-fresh-dbs-visa-paywave-platinum-card

From 7 Sep 2026, we will no longer accept new applications for DBS Live Fresh Card.

 

[sohguanh]

Sidetrack a bit. Not saying dbs marketing team is wrong to target youth. I wonder have the card team wonder there exist a pool of retirees with cash that cannot use credit card unless secured. They even need manufacture salary to play games for some HYSA etc. This group may not have the monthly payslip stability but some of them are debt free e.g house pay finish no car or car pay finish children earn own monies etc. They got cash so why so few credit card targeting this group beside the secured approach?

 

[reddevil0728]

Sidetrack a bit. Not saying dbs marketing team is wrong to target youth. I wonder have the card team wonder there exist a pool of retirees with cash that cannot use credit card unless secured. They even need manufacture salary to play games for some HYSA etc. This group may not have the monthly payslip stability but some of them are debt free e.g house pay finish no car or car pay finish children earn own monies etc. They got cash so why so few credit card targeting this group beside the secured approach?

https://www.straitstimes.com/busine...s-retirees-income-for-new-unsecured-loans-mas

https://www.dbs.com/newsroom/DBS_be...CPF_LIFE_payouts_for_credit_card_applications

The 30k requirement is not a bank/DBS requirement is a MAS requirement.

 

[iduncheckmail]

Sidetrack a bit. Not saying dbs marketing team is wrong to target youth. I wonder have the card team wonder there exist a pool of retirees with cash that cannot use credit card unless secured. They even need manufacture salary to play games for some HYSA etc. This group may not have the monthly payslip stability but some of them are debt free e.g house pay finish no car or car pay finish children earn own monies etc. They got cash so why so few credit card targeting this group beside the secured approach?

If you do not have recurring income , means the bank cannot be assured that you have a stream of income to pay back the credit bal on the card. Hence, need to place funds to securitise the credit line.

And as you say if all these people have no worries abt money, then placing 10-20k in FD shouldnt be an issue.

simple things also whining.

 

[Euqorab]

If you do not have recurring income , means the bank cannot be assured that you have a stream of income to pay back the credit bal on the card. Hence, need to place funds to securitise the credit line.

And as you say if all these people have no worries abt money, then placing 10-20k in FD shouldnt be an issue.

simple things also whining.

Long time ago UOB openly allowed 20k fd as collateral…

 

[Euqorab]

Any way, i suspect the bank doesn’t want to actively woo common retirees as credit card customers even with collaterals…

because savvy ones make payment promptly and the banks can’t earn late payment fee and interests on no outstanding and overdue payments yet on the other hand still need to foot the bill for rewards/points costs

 

[Garlic & Butter]

seems to be replacing the Live Fresh Card, which is no longer open for applications

 

[sibeiTrolled]

seems to be replacing the Live Fresh Card, which is no longer open for applications

Oh wow, nice observation

https://www.dbs.com.sg/personal/cards/credit-cards/live-fresh-dbs-visa-paywave-platinum-card

From 7 Sep 2026, we will no longer accept new applications for DBS Live Fresh Card.

 

[sglandscape]

seems to be replacing the Live Fresh Card, which is no longer open for applications

Oh did not know this. The live fresh card was an easier card in the past before all the nerfs.

 

[d5dude]

Sidetrack a bit. Not saying dbs marketing team is wrong to target youth. I wonder have the card team wonder there exist a pool of retirees with cash that cannot use credit card unless secured. They even need manufacture salary to play games for some HYSA etc. This group may not have the monthly payslip stability but some of them are debt free e.g house pay finish no car or car pay finish children earn own monies etc. They got cash so why so few credit card targeting this group beside the secured approach?

There are already alternatives for them:

https://www.mas.gov.sg/regulation/explainers/Issuing-Credit-Cards

For Individuals up to 55 Years Old​

FIs can issue credit cards to individuals up to 55 years old if they meet one of these criteria:

• Annual income of at least S$30,000.
• Total net personal assets of exceeding S$2 million.
• Total net financial assets of exceeding S$1 million.

 

[Garlic & Butter]

Ironic, credit lines are base on income, not net wealth/assets or cash assets

suggesting this is encouraging "living paycheck to paycheck"" or 月光族 mentality

 

[reddevil0728]

Ironic, credit lines are base on income, not net wealth/assets or cash assets

suggesting this is encouraging "living paycheck to paycheck"" or 月光族 mentality

no eh. you can get secured credit card.

if you want line of credit you need to be able to show that you have continuous flow of income ma

 

[netzach]

sian... me lao unkle cannot apply for this...