Towards the end of 2022, DBS partnered up with Dairy Farm Group to launch the DBS yuu Card, the cobrand card for the yuu rewards club that replaced the previous TapForMore scheme.
Unfortunately, the yuu Card had too much of everything: too much fine print, too much hassle, too much Gurmit Singh. The points accrual system was hopelessly convoluted, and some of the marketing materials flirted with false advertising (e.g. the claim of 15% rebates, which wasnโt mathematically possible).
But credit where itโs due: DBS has retooled the yuu Card, and itโs no longer a colossal dumpster fire. In fact, Iโm even willing to give it The MileLionโs โno longer a colossal dumpster fireโ seal of approval.
The new-and-improved DBS yuu Card now offers up to 18% rebates, with a simple minimum spend and cap. Whatโs more, thereโs a sign-up gift of S$300 cashback for new-to-bank customers, or S$80 cashback for existing customers, with a low minimum spend of S$350.
An 18% rebate is almost too good to be true, and makes it a better choice for spending than most miles cards out there!
Sign-up offer: Up to S$300 cashback
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Apply (AMEX) |
Apply (Visa) |
Even if you donโt care to read through this whole post, you shouldnโt miss out on the following deal, which is valid for applications between 13-26 April 2023 with approval by 10 May 2023:
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Type | Gift | Min. Spend |
New cardholder | S$300 cashback | S$350 within 30 days |
Existing cardholder | $80 cashback | |
Apply with promo code YUUFLASH |
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New DBS/POSB cardholders are defined as those who do not currently hold a principal DBS/POSB card, and have not cancelled one in the past 12 months |
New DBS/POSB cardholders who spend S$350 on their DBS yuu card within 30 days of approval will receive S$300 cashback.
Existing DBS/POSB cardholders who spend S$350 on their DBS yuu card within 30 days of approval will receive S$80 cashback.
This is an extremely generous deal, since we normally donโt see any love for existing cardholders, and because the minimum spend for other DBS offers is usually at least S$500.
The offer is valid for both the DBS yuu American Express Card and DBS yuu Visa Card. However, you can only enjoy it once (i.e. thereโs no point getting both the AMEX and Visa cards).
You must apply with the promo code YUUFLASH to be eligible. The promo code field can be found towards the bottom of the application page, under the โDBS Marketing & Promotions Materialsโ section.
The cashback will be credited within 2-3 months of meeting the minimum spend. The T&Cs of this offer can be found here.
DBS yuu Card: Earn up to 18% rebates
Is there a case for using the DBS yuu Card beyond the sign-up bonus period? Surprisingly, yes.
For context, hereโs what the DBS yuu Card previously looked like:
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Earn Rate | Remarks | |
All merchants | 1 pt/S$1 | No min. spend or cap |
yuu merchants | 4 pts/S$1 | |
Selected products at yuu merchants | 2 pts/S$1 | |
Min. S$80 spend in single trxn. at DFI or BTG | 800 pts (Up to 10 pts/S$1) |
Capped at 3x per spend period |
Min. S$400 spend at DFI or BTG | 5,200 pts (Up to 13 pts/S$1) |
Capped at 1x per spend period |
Note: 1 pt= 0.5% rebate |
I donโt blame you for tuning out. The entire system was way too convoluted, with a confusing mix of bonuses for specific products, specific merchants, and specific transaction sizes.
Now hereโs the new-and-improved DBS yuu Card:
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Earn Rate | Remarks | |
Non-yuu merchants | 1 pt/S$1 (0.5% rebate) |
No min. spend or cap |
yuu merchants (regular) |
10 pts/S$1 (5% rebate) |
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yuu merchants (till 30 Sep 2023) |
36 pts/S$1 (18% rebate) |
Min. S$600 spend per calendar month. Bonus 26 pts/S$1 capped at S$600 per calendar month |
Note: 1 pt= 0.5% rebate |
This is refreshingly simple. Cardholders will normally earn 10 pts per S$1 (5% rebate) at yuu merchants (see below for list), with no minimum spend or cap.
If they spend at least S$600 in a calendar month, they will earn an extra 26 pts per S$1 (13% rebate) for a total of 36 pts per S$1 (18% rebate), capped at 15,600 pts per calendar month. This, incidentally, works out to S$600 of spending, so the minimum spend is also the cap.
โ Crediting timelines |
Of the 36 points per S$1:
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To illustrate, spending S$600 at a yuu merchant like Cold Storage or Giant would get a S$108 rebate. Thatโs almost too good to be true- which is probably why itโs only available till 30 September 2023.
Would I take that over 4 mpd? Oh yes indeed; Iโd even take it over the 5.6 mpd I could otherwise earn at Cold Storage/Giant with the UOB Ladyโs Card (contrary to popular belief, you can earn bonus UNI$ at UOB$ merchants).
I mean, as much as I enjoy my miles, your value per mile, assuming a 4 mpd card, would need to be at least 4.5 cents each to justify using it over something with 18% rebates!
What are yuu merchants?
Hereโs the current list of yuu merchants:
โ yuu Merchants | |
Group | Merchants |
๐ DFI Retail Group (DFI) |
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๐ BreadTalk Group (BTG) |
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๐ Mandai Wildlife Group |
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๐ฑ Singtel |
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*Selected outlets only |
The big ones for me are the grocery stores, because thatโs a reliable S$600 right there for most people already.
Any exclusions?
Do note that in addition to DBSโs regular rewards exclusions (e.g. charitable donations, education, insurance premiums), there are further exclusions for the yuu Card specifically.
Some examples are shown below; for the full list, refer to the T&Cs.
Group | Exclusions |
๐ DFI Retail Group (DFI) |
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๐ BreadTalk Group (BTG) |
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๐ Mandai Wildlife Group |
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While the list looks extensive, the tl;dr is that almost all your grocery purchases will qualify for 18% rebates. Thatโs my primary use case for the card, so thatโs really all I care about.
Conclusion
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Apply (AMEX) |
Apply (Visa) |
What a turnaround this is. When I wrote my initial yuu Card review, I assumed Iโd never have to bother with it again.
Now itโs forced its way back to relevance, because itโs almost impossible to say no to 18% rebates on groceries, plus a S$80/S$300 sign-up gift. The 18% rebates are valid till 30 September 2023, so enjoy it while it lasts.
Donโt forget to link your DBS yuu Card to the yuu App (Android | iOS) once youโve received it to start accruing points.
Who needs 4 mpd?
Hi, will paying Singtel bill online get 18% as well?
On the contrary I feel $600 per calendar spend for groceries is pretty high
You must be single.
even if you donโt buy that much groceries, donโt forget that you can buy household durables at giant. so if you need a new kettle, toaster, white goods, stuff like that, this is a great way to save.
Lol actually am married! Well maybe cos we buy meat and vegetables from the wet market instead thats why.
Can buy cold storage vouchers?
Read the article please
Yes can
Cold Storage vouchers = DFI vouchers.
Read the sections just before article โConclusionโ
Hello! Does the DBS-Yuu card accumulate points separately from the Passion Card linked to the Yuu app?
Hmm this makes it a great payment option for toastbox, instead of the kopi cards
How does DBS / yuu card actually know the underlying item(s) that youโve spent on?
Anyone knows which are the Food Republic that are eligible as the article says only selected outlets