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POSB
POSB Everyday Card
How it earns
- With S$800+ a month: 10% on online food delivery, 5% on dining (not fast food), 5% at Amazon.sg, Lazada, Shopee, RedMart, Taobao and TikTok Shop, 10% on bus/MRT via SimplyGo
- 5% at Sheng Siong and 6% at SPC (no minimum)
- 0.3% on everything else
- Bonus rebates capped at Daily$20 a month
What it earns on typical spending
| Spending profile | Earns a year | Net of fee | Rank |
|---|---|---|---|
| Everyday S$2,000/mo | S$274 | S$78 | 26 of 27 |
| Eats out a lot S$2,050/mo | S$262 | S$65 | 26 of 27 |
| Frequent traveller S$3,570/mo | S$334 | S$137 | 27 of 27 |
| Family with a car S$3,050/mo | S$303 | S$107 | 27 of 27 |
Ranked against all 27 cards we track, miles valued at 1.5¢, annual fee counted. Click a profile to open it in the finder.
See what it earns on your spending
Key facts
| Type | Cashback card |
|---|---|
| Annual fee | S$196.20 incl. GST |
| Fee waiver | First year waived. |
| Minimum income | S$30,000 (citizens & PRs) · S$45,000 (foreigners) |
| Rewards currency | POSB Daily$ (cash rebates) |
| How points are counted | — |
| Expiry | Daily$ never expire |
| Foreign-currency fee | 3.25% |
Good to know
- POSB does not make clear whether the Daily$20 cap is per category or shared; we assume one shared cap (the conservative reading).
- Merchant-specific rebates (Sheng Siong, SPC) are not counted in our estimate.
Common questions
What is the annual fee on the POSB Everyday?
S$196.20 a year including GST, waived for the first year. First year waived.
What income do I need for the POSB Everyday?
S$30,000 (citizens & PRs) · S$45,000 (foreigners).
How much will I earn with the POSB Everyday?
On a typical S$2,000 a month of everyday spending, about S$274 cashback a year, or S$78 after the annual fee. That ranks it 26 of 27 cards we track. Your own spending can change this a lot.
What is the foreign-currency fee on the POSB Everyday?
3.25% on transactions in a foreign currency.
Sources
Checked against the issuer's own pages on 27 Oct 2026:
Terms change often. Always confirm rates, caps and fees on POSB's own page before applying. Found something out of date? Tell us.
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