DBS yuu Card MoneySmart Review (2025)—Earn 18% Cash Rebate or 10 Miles per Dollar

Remember those Phua Chu Kang jingles that used to assault your ears every time you popped into Giant or Cold Storage? Thankfully, the DBS yuu Card has come a long way since then.

From its cheesy beginnings to its glow-up in Oct 2024, when it added KrisFlyer miles conversions and finally earned the approval of miles chasers, the yuu Card has been busy evolving. And the changes didn’t stop there—in 2025, DBS has quietly tweaked how much you need to spend (and where) to unlock its full rewards potential.

Still, despite the fine print getting a little stricter, the DBS yuu Card remains a heavyweight among credit cards in everyday spending with its 18% cashback or 10 miles per dollar offers. If you’re a regular at its partner merchants, you just might find yourself wanting nobody, nobody but yuu.

Find out if the DBS yuu Card still deserves a spot in your wallet in our updated review.

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DBS yuu Card—Is it MoneySmart?
Image: DBS Overall: ★★★☆☆ (3.3/5) Best for: Honestly, almost anyone. With your choice of up to 18% cash rebate or 10 miles per dollar on everyday local spending, the DBS yuu Card ticks most people’s boxes so long as you frequent the stores on their list. Not hard, since they are everyday merchants. The catch: You do need to spend at least $800 a month to qualify for the bonus yuu Points that bring the cash rebate and miles earn rate up to 18% and 10 miles per dollar respectively.
Pros—What we like			Cons—What we don’t like
– Earn 18% cash rebate OR 10 miles per dollar. Both of these are high rates, and we love that you get to choose. – $800 is also the spend cap for the 26x Points Bonus Award. No trickery here where the spend tiers/categories have different caps that invalidate the rebate carrots they’re dangling. Read more about that in my tips for comparing credit cards (point 7!).			– The 26x bonus yuu Points might take a while to reach you—up to 60 days after the end of each calendar month. – Upcoming nerf: Fom 27 Oct 2024, you won’t earn yuu Points at all Food Republic and Food Junction outlets. – The eligible bonus spends are merchant-specific, not category-specific. Meaning, you don’t earn 18% cash rebate at just any supermarket—only Cold Storage or Giant.
DBS yuu Card at a glance
Category		Our rating		The deets
Earn rates: yuu Points		★★★★★		– Redeem yuu Points as cash rebate or KrisFlyer miles – Earn 5% cash rebate/2.8 miles per dollar at selected merchants with no minimum spend and no spend cap. – If you spend $800 a month, you earn 18% cash rebate or 10 miles per dollar at those selected merchants instead. – No conversion fees – Merchants include: 7-Eleven, Cold Storage, CS Fresh, Giant, Guardian, SimplyGo, Chagee, Singtel, Gojek, and foodpanda *Nerfed from 1 Nov 2025: BreadTalk, Toast Box, Thye Moh Chan and Mandai Wildlife Group
Earn categories		★★★★☆
Annual fees and charges		★★★★☆		Principal card: $196.20 (1 year fee waiver) Supplementary card: $98.10 per card
Accessibility		★★★★☆		Minimum income requirement: $30,000 (Singaporeans and PRs) / $45,000 (foreigners) Minimum age: 21 years and above
Extras/periphery rewards		★☆☆☆☆		– Deals at merchants like Foodpanda, Guardian, and 7-Eleven Don’t expect lounge access just because you can convert yuu Points to KrisFlyer miles.
Sign-up bonus		★★☆☆☆		Get $300 cashback and an $80 Esso Fuel Discount Voucher with a minimum spend of $800 within 60 days of card approval for new cardmembers. (promo code: DBSYUU) View the DBS yuu Visa Card and DBS yuu American Express® Card pages for the latest promotions.

See our credit card ranking rubric to find out how we rank credit cards.

1. DBS yuu Card: Quick facts

Fun fact: the DBS yuu Card is actually what the DBS Black Card got rebranded as. The once dark, shiny, and sleek Black Card was reborn with a tacky makeover and a Phua Chu Kang jingle that haunted every Giant and Cold Storage aisle.

DBS yuu Card, circa 2024 (Image: DBS)

Thankfully, the yuu Card has since had another glow-up—the new design brings back the sleek, black, and sexy vibe it probably should’ve kept all along.

Image: DBS

More importantly, the DBS yuu Card packs a punch. It's a rewards card that offers up to 18% cash rebate or 10 miles per dollar in the form of yuu Points. You earn the highest rates at selected stores, such as Cold Storage, foodpanda, Gojek, and more.

It comes in 2 versions: the DBS yuu Visa Card and the DBS yuu American Express® Card. If you’re trying to decide between the Visa or Amex versions, Visa generally has a higher acceptance rate.

Both have the same benefits (that we’ll get into later) and the same fees:

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2. DBS yuu Card: Earning yuu Points

Now for the juicy bit — how do you actually earn those much-hyped 18% cashback or 10 miles per dollar on the DBS yuu Card?

At its core, the card rewards you in yuu Points for every S$1 you spend. These Points can then be redeemed as cashback or converted to KrisFlyer miles. How many Points you earn depends on where you spend, and whether you meet the monthly minimum spend requirement.

To unlock the full 36x earn rate, you’ll need to:

• Spend at least $800 per month, and
• Make purchases at 4 participating merchants.

Otherwise, you’ll still earn respectable returns—10x Points (5% cashback) at yuu merchants or on SimplyGo rides, no minimum spend required.

Reward cap: Bonus yuu Points are capped at 28,800 Points per calendar month (≈ $144 cashback or 8,000 miles). There’s no cap on base rewards.

TL;DR:

• Spend S$800 and hit 4 merchants → 18% cashback or 10 miles per $1.
• Spend less → 5% cashback or 2.8 miles per $1.
• Everything else → a token 0.25% cashback, but hey, it’s still something.

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3. DBS yuu Card: Redeeming yuu points

If you’re interested in using your yuu Points to reduce your next bill at participating stores, you can offset $1 for every 200 yuu Points. In other words, 1 yuu Point is equivalent to a0.5% cash rebate.

Are you a miles chaser? You can convert 3.6 yuu Points to 1 KrisFlyer mile. Assuming you earned Bonus yuu Points with the 36x multiplier, this works out to be 10 KrisFlyer miles per $1 spent.

So if we crunch the numbers:

$100 spend at participating stores = 3,600 yuu Points = $18 cash rebate OR 1,000 miles

Here’s an infographic from DBS to illustrate the above:

Image: DBS

Scenario 1: How to earn 10 miles per $1 or 18% cashback with $800 monthly spend

Let’s put this into a simple example. Say you spend $300 each on foodpanda deliveries and groceries at Cold Storage, and another $200 at non-participating merchants in a month. That’s a total spend of $800, just enough to hit the new minimum spend requirement.

Here’s how your yuu Points add up:

Based on the example above, you’re earning roughly $108 in cashback (or 6,000+ KrisFlyer miles) from $600 worth of spending at participating yuu merchants. That’s the equivalent of 18% cashback or 10 miles per dollar, still among the most generous everyday earn rates around.

If spending $800 a month across a few yuu merchants isn’t a stretch for you, the DBS yuu Card remains a no-brainer for groceries, rides, and takeaway life.

Scenario 2: How to earn 2.8 miles per $1 or 5% cash rebates with no minimum spend

Now let’s say I spent $200 on foodpanda deliveries, $100 on groceries at Cold Storage, and $200 on other purchases. If you add that up, you’ll find I didn’t hit the $800 monthly spend to qualify for the 36x Bonus yuu points. However, my spending at Cold Storage and foodpanda still lets me earn the 10x base yuu Points that have no minimum spend required.

In this scenario, here’s how much I’ll be able to redeem in cash rebates or miles.

As you can see when you compare the 2 scenarios, hitting that $800 monthly spend makes a big difference. Thankfully, it isn’t too high a minimum spend to hit.

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4. DBS yuu Card: How to redeem or convert yuu Points

All your yuu Point conversions and redemptions take place on the yuu app, so go get it if you haven’t already. You can also use the app even without the DBS yuu Card, and the app is free, so there’s no reason not to get it and chalk up some points (in this case, $1 spend = 1 yuu Point earned).

How to redeem yuu Points as cash rebate:

Just tell the cashier you want to use your yuu Points, and let them scan your yuu ID. The redemption rate: offset $1 for every 200 yuu Points.

How to convert yuu Points to KrisFlyer miles:

On the yuu app, go to the Me tab on the bottom right > select Transfer Points. 3.6 yuu Points converts to 1 KrisFlyer mile, but you need a minimum of 200 yuu Points for one conversion. There’s no conversion fee.

Screenshots from my own yuu app as of 30 Oct 2025

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5. DBS yuu Card: Which are the participating merchants?

You can find the full list of participating merchants in the DBS yuu Card terms and conditions, clause 8:

Note that from 1 Nov 2025, these participating merchants will be participating merchants no more. In other words, you'll only earn 0.25% cash rebates from them:

• BreadTalk
• Toast Box
• Thye Moh Chan
• Mandai Wildlife Group

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6. Should I get the DBS yuu Card?

If you live in Singapore and spend most of your week toggling between grocery runs, Chagee breaks, and public transport rides, then yes—the DBS yuu Card still makes a strong case for itself.

Between up to 18% cashback or 10 miles per dollar, it remains one of the most rewarding cards for everyday local spending. Just note that from 1 Oct 2025, it’s become a little more demanding to unlock those sweet, sweet bonus yuu Points.

Get the DBS yuu Card if you:

• Spend regularly at Cold Storage, Giant, CS Fresh, Guardian, 7-Eleven, foodpanda, Gojek, or SimplyGo for your daily commute.
• Can comfortably hit $800 a month in spending and make purchases at 4 different participating merchants each month to unlock the maximum rewards.
• Like flexibility—you can redeem yuu Points as cash rebates, KrisFlyer miles, or even merchant rewards via the yuu app.

Don’t get the DBS yuu Card if you:

• Want to use yuu Points for miles but rarely fly with Singapore Airlines or Scoot—yuu Points only convert to KrisFlyer miles.
• Struggle to hit $800 across multiple merchants. The top earn rate only kicks in once you meet both the spend and merchant conditions.
• Plan to spend well above $800 monthly expecting higher returns—the bonus rewards are capped at 28,800 yuu Points per month, which is equivalent to about $800 of spending (worth up to $144 cashback or 8,000 miles).
• Prefer straightforward cashback that’s instantly offset against your bill — this card’s reward system involves some app wrangling and conversions.

Bottom line: If your day-to-day life revolves around yuu partner merchants, the DBS yuu Card still packs heavyweight value. But if you’d rather not think about spending thresholds and caps, there are simpler cashback cards out there.

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7. DBS yuu Card promotion

Convinced the DBS yuu Card deserves a spot in your wallet? These welcome gifts will make the deal even sweeter.

New cardmembers will get $300 cashback and an$80 Esso Fuel Discount Voucher with a minimum spend of $800 within 60 days of card approval. Simply apply with the code DBSYUU to enjoy this offer.

This promo ends 31 Dec 2025. View the DBS yuu Visa Card and DBS yuu American Express® Card pages for the latest promotions.

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8. Is the DBS yuu Card really that good?

Needless to say, 18% cash rebate and 10 miles per dollar are extremely good rates. You do need to spend $800 a month to unlock these rates, but a lot of adults in Singapore would hit this anyway (have you seen our cost of living these days? Sob.)

Even if you don’t, you’d still be earning fair rates at the participating stores—5% cash rebate or 2.8 miles per dollar. These are very decent rates especially when you consider that you’re earning them with no minimum spend required.

Let’s talk cash rebate first. Most of the time, $0 minimum spend cashback cards fall into the category of unlimited cashback cards and earn you between 1.5% to 1.7% cashback (Standard Chartered Simply Cash Credit Card, Citi Cash Back+ Card, UOB Absolute Cashback Card). 

To get >5% cashback, a cashback card will often require you to hit a monthly or quarterly minimum spend. For example the OCBC 365 Credit Card rewards you with 5% cashback on dining, but only if you spend $800 or more per month. So compared to cashback cards, the DBS yuu Card is exceptional.

Now let’s look at miles cards. These typically don’t have minimum spends, but local earn rates are usually around 1.1 or 1.2 miles per dollar for general spending. Because they are miles cards, the bonus miles are often for travel-related categories.

For example, the Citi Premier Miles Card earns you 10 miles per dollar on online travel bookings via Kaligo and Agoda. The KrisFlyer UOB Credit Card gets you 3 KrisFlyer miles per S$1 spend on dining, food delivery, online shopping, online travel and transport spend…but with a minimum spend requirement of $800 annually on Singapore Airlines, Scoot and KrisShop.

Finally, how does the DBS yuu Card compare to its fellow rewards cards? This is a category of card that could give the DBS yuu Card some real competition. I would consider the following cards in the next section as alternatives to the DBS yuu Card.

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9. Alternatives to the DBS yuu Card

The UOB Lady's Card comes with a 2 miles per dollar base earn rate and 10 miles per dollar earn rate on a category of your choice. It also has no minimum spend. However, do note that you earn UNI$ (UOB’s rewards points currency) per every $5 spend, not per $1, which means you’re bound to have orphaned spending that you don’t earn points on.

The Standard Chartered Rewards+ Credit Card is another contender to the DBS yuu Card, and is probably a better choice if you want to use the card for overseas spending too. It doles out 10X Rewards Points per S$1 spent in foreign currency, including online spends, and 5X Rewards Points per S$1 spent in Singapore Dollars for local dining transactions. For this card, 1 Point = 0.29 miles—comparable to the 1 yuu Point = 0.28 miles of the DBS yuu Card.

UOB One Card: For bigger spenders, the DBS yuu Card is not such a good idea due to the bonus yuu Points cap that’s equivalent to a $800 monthly spend. If you spend $2,000 a month, get the UOB One Card for up to 10% cashback on Shopee, McDonald's (including McDelivery®), DFI Retail Group (Cold Storage, CS Fresh, Giant, Guardian, 7-Eleven and more), Grab (including GrabFood) and SimplyGo (bus and train rides).

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P.S. Here’s our MoneySmart credit card ranking rubric

In case you’re wondering, here’s how we decide on our credit card rankings.

Check out our ultimate list of credit card reviews for the low-down on credit cards in Singapore.

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This article was first drafted with the help of AI and later reviewed and refined by the author.

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