DCS D-Lite Card

The DCS D-Lite Card is a credit card that comes bundled with $100 credit limit and a D-Vault. The D-Vault provides an account number that cardmembers can use to transfer funds from any bank account and balance in the D-Vault can be used to increase their card spend limit instantly.

The numberless feature of the physical card provides peace of mind as it reduces the risk of having your sensitive card data being stolen.

As long as you do not currently hold any cards with DCS, you may apply for the DCS D-Lite Card. Once you successfully apply for this Card, you will not be able to apply for any other DCS cards unless you terminate this DCS D-Lite Card. No minimum income required.

You can conveniently apply for the DCS D-Lite Card via the DCS Cards App. Simply download the mobile app via the Apple Store or Google Play Store, register an account, and apply for the DCS D-Lite Card. Upon approval, the card is issued via the mobile app as a digital card first, before the cardholder receives the physical card (cards can only be mailed to a Singapore address). Applications are only accepted via the DCS Cards App.

A $100 credit limit is assigned on the DCS D-Lite Card without any income requirement. Any credit limit review will require submission of additional income documents. Please contact us if you wish to increase your credit limit, and we will be happy to advise the process.

Turn on notification alerts for the DCS Cards app. When your DCS D-Lite Card is approved, an in-app notification will be triggered.

To use the Card, you must maintain at all times a minimum Withholding Amount of $100 in the D-Vault.

The withholding amount, which is the first S$100 in your D-Vault balance, cannot be used for the following purposes:

1. Spend limit: The withholding amount cannot be utilized as part of you spend limit on the DCS D-Lite Card.
2. Auto-repayment: The withholding amount is not used for automatic repayment of your outstanding balance. Only after payment due more than 60 days, system will trigger auto-repayment with withholding amount.

If the balance in your D-Vault falls below S$100, your card will be temporarily blocked to prevent further usage. To reactivate the card, you will need to top up your D-Vault to meet or exceed the minimum balance requirement. Failure to top up by the end of each month will result in a monthly fee of S$10+GST (Fall-below Fee) being charged to your card account. If the balance in the D-Vault is insufficient to cover the fall-below fee, the remaining balance will be fully depleted, and the card will be terminated.

As soon as you activate your card, you may already use the credentials (card number, card expiry date and CVV code) to perform online purchases at merchants that accept Mastercard or UnionPay. You can use your physical card at all stores, locally and overseas, that display the Mastercard or UnionPay logo.

No, the DCS D-Lite Card only has the e-Statement, you can view and download it via DCS Cards App.

Once your DCS D-Lite card application is approved, your D-Vault will be automatically activated and linked to your D-Lite card. This means that there is no need for any additional steps, as your D-Vault will be directly associated with your D-Lite card.

To use the D-Vault feature, follow these simple steps:

1. Login to the DCS Cards app and locate in the D-Vault tab
2. Under the D-Vault tab, you will find your unique account number.
3. To top-up your D-Vault, tap on the Top-up icon to view the instructions. Simply copy your account number that appears within the instructions and paste it onto the banking platform from which you are performing the funds transfer.
4. Transfers from local bank accounts in Singapore are processed immediately and the funds should appear in your D-Vault balance within the next 10 minutes.

The balance in your D-Vault can be utilized to increase your spend limit on the DCS D-Lite Card. However, please note that the spend limit should be adjusted to account for the withhold D-Vault balance.

To calculate your spend limit, use the following formula: Spend limit = Credit limit (S$100 or S$500) + D-Vault balance (variable) - Withhold D-Vault balance (S$100)

For example, you have a D-Vault balance of $300 and a credit limit of $100. In this case, your card's spend limit would be $300.

Please refer to other FAQs with regards to D-Vault here

Auto-repayment is a feature that automatically pays off the outstanding balance on your DCS D-Lite Card account. It uses the balance in your D-Vault to make the repayment. Here are some scenarios to help you understand how auto-repayment works:

1. Full auto-repayment: If your D-Vault balance is enough to cover the entire outstanding balance, including the credit limit used and D-Vault spend limit used, the system will automatically repay the full amount using your D-Vault balance.
2. Failed auto-repayment: If you only have S$100 in your D-Vault and your outstanding balance, including transactions authorized with the D-Vault balance, is equal to or greater than S$100, the auto-repayment cannot be processed. In this case, you need to make the repayment manually from another source, such as PayNow or AXS.

3. Partial Auto-Repayment: If your D-Vault balance is more than S$100, the auto-repayment will be made using the amount exceeding the S$100 withhold limit. If the remaining balance is not enough to fully repay the outstanding balance, you will need to repay the remaining amount through other channels.

   For example, if your D-Vault balance is S$2,000 and the outstanding balance is S$2,000, an auto-repayment of S$1,900 will be made, and the remaining S$100 will be considered as an outstanding amount, will remain payable by you.

4. Auto-repayment for Default accounts: If you default on your payments for more than 60 days (60DPD), the system will automatically repay the total outstanding balance using the S$100 withhold amount in your VA.

We provide multiple repayment options including Paynow, AXS, GIRO or D-Vault.