From 5 Dec 2025 to 6 Mar 2026, invite your friends and win up to S$100 in referral rewards!

Here's how it works:

Refer your friends

• Share your unique referral link from the DeCard app
• Your friend must successfully apply for DeCard and complete their first top-up of at least S$50
• Once your friend meets these criteria, they count as 1 qualified referral

Unlock Lucky Draw Rewards

• Silver Box:
  • Earn 1 draw for every 3 qualified referrals
  • Each Silver Box gives a random cash reward up to S$10
• Gold Box:
  • Earn 1 draw for every 100 qualified referrals
  • Each Gold Box gives a cash reward up to S$100

All cash rewards are automatically credtied to your DeCard account as soon as your draw is successful!

Terms and Conditions

• The campaign will commence on December 5, 2025, and continue until March 6, 2026 (both dates inclusive, the "Activity Period"). DCS reserves the final right to terminate the campaign early or extend the duration at any time.
• Eligibility
  • This campaign is open to individual participants who hold a valid DeCard account.
  • Employees of DCS, its subsidiaries, affiliates, and their immediate family members are not eligible to participate.
  • KOLs, influencers, or commercial partners are excluded from this campaign.
• Definition of a Qualified Referral
  • A qualified referral is defined as a referred user who:
    • Successfully applies for a DeCard.
    • Completes the first top-up of at least SGD 50 within the Activity Period.
    • The referred user must not be an existing DeCard customer or have previously held a DeCard account.
• Reward Mechanism
  • For every 3 successful qualified referrals, the referrer (the "Participant") will receive 1 Silver Box draw with random cash rewards up to SGD 10.
  • For every 100 successful qualified referrals, the Participant will receive 1 Gold Box draw with cash rewards up to SGD 100.
  • Cash rewards will be credited instantly to the Participant’s DeCard account upon a successful draw.
  • Rewards are not transferable, exchangeable or redeemable for any other form of benefit.
• Invalid or Fraudulent Referrals
  • Self-referrals, duplicate accounts, and any suspicious or fraudulent activities will be disqualified.
  • DCS reserves the right to cancel eligibility or claw back rewards if fraudulent behavior is detected.
  • DCS may, at its discretion, verify the eligibility of both the Participant and referred users.
• General Terms
  • DCS reserves the right to amend or update these Terms & Conditions at any time without prior notice.
  • Participation in this campaign constitutes acceptance of these Terms & Conditions.
  • DCS shall not be liable for any loss, delay, or technical issue arising from system errors, network interruptions, or other unforeseen circumstances.
  • Participants are responsible for any tax implications, fees or charges that may arise from receiving or using the rewards.
  • In case of any dispute, DCS’s decision shall be final and conclusive.