Our editorial team evaluated the DBS Live Fresh Card and found it appealing for those who spend frequently on retail and transport. With up to 6% cashback on shopping and rides, it's a solid option if you can maintain a monthly spend of S$800. Additionally, the first-year annual fee waiver makes it easier to test the waters without immediate financial commitment.

However, the annual fee of S$196.20 after the first year could be a dealbreaker for many. Those who don't frequently hit the spending threshold may find themselves paying more in fees than they earn in rewards. The high APR of 27.8% is also something to consider for users who may carry a balance.

In terms of customer experience, the app's functionality is generally well-rated, but hidden fees and challenges in approval can be concerning for some applicants. Compared to alternatives like the UOB One Card or Citi Cashback Card, which offer broader cashback categories without strict spending requirements, the DBS Live Fresh Card has its limitations. According to DBS's page, understanding the specific cashback caps is crucial to maximise benefits, so review those carefully before applying.