DBS Chromo: 5% cashback on two auto-picked categories - but 0 on foreign spend.
Under-30s get 5% cashback on their two highest local spend categories each calendar month, auto-selected by DBS, once they hit S$500 in eligible spend - with bonus capped at S$30 per category. Miles mode is a 1.3 mpd fallback with no cap or minimum, and DBS Points never expire. The no-foreign-transaction-fee angle is real, but foreign spend earns 0 cashback and 0 miles, so it is not an overseas card. The S$196.20 annual fee is waived for the first 5 years, and after 30 the card drops to 1.7% flat cashback with no bonus categories.
the play
Set cashback mode as the default, hit S$500 in local spend each calendar month, and avoid using Chromo for foreign transactions since they earn zero.
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source signal
This drop was reframed from a real reader question asked around the web. Written with the assistance of a language model in the voice of Vanessa Bloome.