You earn cashback on eligible everyday transactions, including VICOM vehicle inspections, fuel, dining, and spending in Malaysia. Drivers earn additional savings on Esso fuel, while Passengers earn Zig vouchers based on their monthly Zig spending. The rate and reward depend on the type of transaction and the segment you apply under.

Drivers receive fuel benefits, including up to 27% off Esso fuel through the Esso Fleet Card. Passengers earn Zig vouchers each month based on their Zig spending. All other card benefits apply to both segments.

Your segment is set at the point of application and cannot be changed afterward, so choose the option that best matches how you travel.

• 15% cashback on VICOM vehicle inspections
• 1.5% cashback on local dining (except fast food)
• 2% cashback on all other spend in Malaysia (except fuel and dining)
• 0.3% cashback on all other spend, and on all spend if the minimum spend requirement is not met

There is no mandatory minimum spend. However, spending at least S$688 in a statement month unlocks the higher cashback rates on eligible categories, instead of the base 0.3% rate that applies below this threshold.

Drivers are enrolled in an Esso Fleet Card to enjoy up to 27% off fuel at participating Esso stations. The 18% Esso Fleet Card discount applies to every qualifying purchase regardless of monthly spend, and a further DCS V2 Card discount is applied to the remaining amount when the minimum monthly spend of S$688 is met, bringing total savings to up to 27%. Posting times can vary, so fuel charged by the 26th counts within the month. The benefit is capped at S$50 per month, which counts toward the S$90 monthly cashback cap.

Passengers earn Zig vouchers each month based on their Zig spending tier, provided the minimum monthly card spend of S$688 is met. Vouchers are sent as a code to enter into the Zig app, and are valid only for the month they are issued, so they should be used before the month ends.

Your welcome voucher is issued automatically once your card application is approved, and how you redeem it depends on your segment.

Drivers - Drivers receive an S$8.80 cash credit to their card account within the same month as their first transaction.

Passengers - Passengers receive S$35 worth of Zig vouchers. Enter the code provided on the DCS Cards App via push notification into the Zig app to unlock your vouchers. Use the same code to redeem each voucher in the bundle.

Please check the DCS Cards App regularly for the latest updates and notifications. For any queries, you can contact DCS customer service.

Total cashback earned each month, at any rate, is capped at S$90. This cap is calculated jointly across the principal and supplementary cards under the same account, not separately for each card. Cashback is automatically credited to your next statement of account.

You can track your cashback and rewards through your account statement or the DCS Cards App.