DBS yuu Visa Card
dbs · yuu Rewardscashback
How it earns
18.00% SimplyGo, minimum met
simplygo-boostedUncapped · pays nothing until S$800.00 is spent (then retroactively on the whole period)
18.00% yuu merchants, minimum met
yuu-boostedUncapped · pays nothing until S$800.00 is spent (then retroactively on the whole period)
5.00% SimplyGo
simplygo-baseUncapped
5.00% yuu merchants
yuu-baseUncapped
0.25% Everything else
baseUncapped
0.50% yuu merchants, bonus allowance used up
yuu-past-capUncapped
Mechanics that decide real outcomes
- Period basis
- calendar month
- Bins by
- transaction date
- Accrual
- per_dollar, floor
- Settlement
- points balance
- Credit lag
- one cycle
- Native unit
- yuu Points → 0.50 cents each
- Conversion
- free
- Expiry
- 24 months
Exclusions
not a purchase
non-purchase transactionsnot a purchase
^MP3 PREFERRED PAYMENT PLAN ^IPP\b INSTALMENT PAYMENT PLANexcluded category
30 MCCs: 4784, 4829, 4900, 6010, 6011, 6012, 6051, 6211…excluded category
14 MCCs: 5047, 5199, 5960, 5993, 6050, 6513, 6529, 6530…excluded category
AMAZE AXS BIZPAY BAGUS CANTINE EZ-?LINK PAYPAL AXS RAZERPAY SAM PAYMENTS SEDAP SGEBIZ SHOPEEPAY SINGTEL DASH SINGAPORE E-BUSINESS TRANSIT 3 YOUTRIPexcluded category
^AXS\b SMOOVPAYTerms and sources
Official terms and conditions ↗
- “yuu Rewards Club Terms and Conditions.”
- “Base Rewards: yuu Merchant Spend 1 yuu Point (0.5% cash rebates), SimplyGo 0.5 yuu Point, Non-yuu Merchant Spend 0.5 yuu Point. Bonus Rewards with no minimum spend: yuu Merchant Spend 9 yuu Points (4.5%), SimplyGo 9.5 yuu Points (4.75%). Bonus Rewards with minimum spend: yuu Merchant Spend 26 yuu Points (13%), SimplyGo 26 yuu Points (13%).”
- “To earn the following Bonus Rewards, Cardmembers must meet these spend requirements each calendar month: i. Minimum S$800 worth of Eligible Spend charged and posted to your Card, and ii. Transact at 4 Participating Merchants.”
- “Total Bonus Rewards is capped at 28,800 yuu Points (worth up to S$144 cash rebates or 8,000 miles) per calendar month.”
- “You need at least S$800 of total card spend in a calendar month and transactions at four or more participating merchants, where SimplyGo counts as one. Meet both and yuu-merchant spend earns 36 yuu Points per dollar (18% rebate) up to a S$144 monthly cap.”
Notes
HOW IT EARNS - All-or-nothing monthly. S$800 of spend AND four different participating merchants lifts yuu-merchant spend from 5% to 18%. - 28,800 bonus points a month, SHARED across all four bonus tiers via `cap_group: yuu`. The allowance is counted in bonus milli-units, not spend, so every capped month lands on 28,800.00 exactly. - Everything else 0.5%. WATCH OUT - A small purchase at a fourth merchant late in the month can be worth far more than its own value. A headline rate cannot express that. - Clause 9f excludes forty MCCs, twenty of them only "w.e.f. 1 May 2026" — DBS widened the list inside the existing document rather than reissuing it. - Clause 9f matches on MCC and DBS prints none, so exclusions depend on the merchant table inferring one at high confidence. An unrecognised merchant in an excluded category still earns: overstates rather than invents a penalty, but it is a gap. - Participating merchants are matched on description patterns. A merchant that renames itself silently drops to the base rate. NOT MODELLED - Whether "yuu Merchant Spend" and "Participating Merchants" are the same list. Assumed identical. - yuu Point expiry. - Appendix 1's product-level exclusions inside participating merchants (services at Giant, tobacco, and so on). EVIDENCE - The yuu app posts each month's bonus separately. All twelve months tie exactly. Three are load-bearing: Apr Visa 6,091.23 is 667.24x9 + 9.06x9.5, which no single base rate can produce; Mar Visa 26,960.84 is an uncapped month to the cent; Jan/Feb/May Visa are 28,800.00, the ceiling.