yup transaction with Agoda and Lazada for example even you choose pay now, will not get you to SMS OTP verification
@lcpteck
Why dont you argue with DBS with purchasing via apps dont get 10x points since online means not swipe physically right (can be from website or mobile apps ) ? but i know arguing with the bank is always difficult and i believe DBS also realizing that many online payment is classified as offline in their system in their T&C
"DBS Bank Ltd (the “DBS”) determines an online transaction based on system indicators. These indicators are
decided by the merchant and their banker, and passed to DBS when the transaction is posted to the card. Typically,
merchants classify transactions as online or non-online. However, DBS has noticed that some purchases were not
classified as online transactions even though such purchases were made online. We are currently in the process of
rectifying this. In the meantime, if you notice a discrepancy in the additional DBS Points for your online purchases,
please contact our hotline at 1800 111 1111 for assistance"