DeCard Referral · Ongoing · No expiry

Get US$5 free
on your first
DeCard top-up

Sign up for DeCard with the referral link or code. Make a transfer of US$50 or more within 30 days of registering and US$5 is credited to your DeCard account. New DeCard Visa users only.

Referral Code
sppEjC
Min. Transfer
US$50
Within 30 days
of registration
Sign up with referral link

Use the referral link, or enter the code in the invite code field when you register. Check the code shows as applied before you submit.

💵
US$5
Credited to
your DeCard
💰
US$50
Minimum transfer
within 30 days
📅
10th
of following month
reward credited
DeCard referral code sppEjC October 2026 infographic: US$5 for new DeCard Visa users after a US$50 minimum transfer within 30 days, credited on the 10th of the next month
DeCard referral code sppEjC — October 2026 rewards at a glance: the US$5 reward, the US$50 transfer, the 30-day window and the payout date.
Step by step

How to claim your US$5

Four steps from sign-up to reward. The US$50 transfer must happen within 30 days of registration. Missing that window is the most common reason a referral reward doesn't come through.

1
Sign up via the referral link or enter code sppEjC

Open the referral link below, or download the DeCard app and enter sppEjC in the invite code field during registration. Confirm the code shows as applied before you submit. You must be a new DeCard user who has never held a DeCard account.

Open sign-up link →
⚠️ The reward is for new DeCard Visa and DeCard Luminaries Visa cardholders only. Self-referrals and duplicate accounts are disqualified, and DCS employees and their immediate family members are not eligible.
2
Apply for and get your DeCard approved

Complete identity verification and apply for the DeCard, available as an SGD or USD card. DeCard confirms the USD card is fully eligible for the referral programme, so either variant counts.

ℹ️ DeCard is open to residents of Singapore, Australia, Japan, South Korea, Malaysia, the Philippines, Taiwan, Thailand and Vietnam.
3
Transfer US$50 or more within 30 days of registration

This is the critical step. DeCard's terms require a transfer of at least US$50 within 30 days of your registration date. If you miss the window, you do not receive the reward.

⚠️ The 30 days run from your registration date. Register when you are ready to transfer, and do not leave it to the last week.
💡 DeCard states the referral amounts in US dollars. If you hold the SGD card, open Home → Referral in the DeCard app to see the amount shown for your account before you transfer.
4
US$5 credited on the 10th of the following month

Once the requirements are met, the US$5 reward is credited to your DeCard account on the 10th day of the following month. No manual claim is required.

✅ You can find your invite code and referral activity in the DeCard app under Home → Referral.
What is DeCard

Stablecoin spending,
real-world simplicity

DeCard is a Visa card from DCS Card Centre, formerly Diners Club Singapore. Top up with stablecoins and spend wherever Visa is accepted.

₿
Stablecoin-powered spending

Spend supported stablecoins at Visa merchants worldwide. DeCard lists a 0% markup on digital asset conversion, at the market rate.

🌐
SGD or USD card

Choose an SGD or USD card. Both qualify for the referral reward. Foreign-currency transactions carry a 1.8% FX fee on the standard DeCard.

🏛️
Issued by DCS Card Centre

DCS Card Centre Pte. Ltd. issues DeCard. The company was formerly Diners Club Singapore, and the standard DeCard has no annual fee.

🔒
D-Vault

D-Vault brings your assets under one view and lets you transfer funds in to raise your spend limit, all inside the DeCard app.

Also live in October 2026

Other DeCard offers
to know about

These are separate from the referral reward and apply to cardholders. Both are listed on DeCard's own promotions page.

🎯
Win up to US$50 cash credit · until 31 Dec 2026

Redeem 500 DePoints (normally 17,500) for a sure-win cash credit of US$0.50 up to US$50. The odds per tier are not published. DePoints are earned at 1 per US$1 spent.

💳
DeCard Luminaries upgrade · from 13 Jul 2026

0% FX fees plus up to 10% monthly cashback (capped at US$200) and 1 DePoint per US$1. The US$388 annual fee applies, and the referral reward covers Luminaries Visa too.

ℹ️ The earlier Referral Lucky Draw (5 Dec 2025 – 6 Mar 2026) and the S$5 Welcome Bonus (January 2026) have ended. This page covers DeCard's standing referral reward.
Eligibility

Who qualifies

Check these before you register. The reward is for genuinely new DeCard users.

✅ You qualify if
  • You are a new DeCard Visa or DeCard Luminaries Visa cardholder who has never held a DeCard account
  • You live in a supported country, such as Singapore
  • You register with code sppEjC
  • You transfer US$50 or more within 30 days of registering
⚠️ You don't qualify if
  • You have held a DeCard account before, or open a duplicate account
  • You refer yourself or take part in fraudulent activity
  • You are a DCS employee, or an immediate family member of one
  • Your transfer is below US$50 or falls outside the 30-day window
✦ DLCuration
⭐ Exclusive Bonus

Win up to S$50
in vouchers for signing up

Fully funded by DLCuration and completely separate from DeCard's own programme. Send one email after your transfer and you're in.

🗓️ Every Month 🎁
Monthly Lucky Draw
S$5

One winner drawn from all verified monthly entrants. Draw closes at 23:59 on the last day of each calendar month.

🏆 Annual Grand Draw 🎊
Annual Grand Prize
S$50

All monthly entrants are auto-enrolled. No extra steps. Grand draw concludes 31 December at 23:59 SGT.

Winner's choice of reward

🛒 Amazon Gift Card
🛍️ NTUC FairPrice
🏪 Sheng Siong
🏬 CapitaLand Mall

📬 How to enter

1
Sign up for DeCard using the referral link or code sppEjC on this page and complete your first transfer of US$50 or more.
2
Send an email to dlcuration@gmail.com using the exact subject line format shown below.
3
We verify your entry against DeCard's referral records. You're entered into that month's draw and automatically enrolled in the annual grand draw.
4
Winners are contacted by email within 7 days of the draw. You choose your e-voucher or gift card from the available options.

Campaign T&Cs

  • This bonus campaign is funded entirely by DLCuration and is not affiliated with, endorsed by, or administered by DeCard or DCS Card Centre Pte. Ltd.
  • Monthly draw period: 00:00 on the 1st to 23:59 on the last day of each calendar month (SGT).
  • Annual grand draw closes at 23:59 on 31 December each year (SGT).
  • Eligibility requires verified sign-up via referral link or code sppEjC and a confirmed first transfer of US$50 or more, verifiable via DeCard referral records.
  • One entry per person. Winning a monthly draw does not remove you from the annual grand draw, and both prizes are independent.
  • Winners contacted by email within 7 days of draw date. Must respond within 14 days or prize is forfeited.
  • DLCuration reserves the right to modify or terminate this campaign at any time. Changes posted on this page.
  • E-vouchers and gift cards delivered electronically to the winner's email address.
FAQ

Common questions

Based on DeCard's help centre referral terms and fee schedule, checked 11 October 2026.

You receive US$5 credited to your DeCard account once you make a transfer of US$50 or more within 30 days of registration. The reward is credited on the 10th day of the following month. It applies to new DeCard Visa and DeCard Luminaries Visa cardholders, and DeCard publishes no end date for the referral programme.
Yes. DeCard's referral terms require a transfer of US$50 or more within 30 days of registration. If the requirement is not met within that window, you do not receive the reward. DeCard states the amounts in US dollars, so if you hold the SGD card, check the Referral screen in the DeCard app for the amount shown for your account.
Rewards are credited on the 10th day of the month following the month in which all requirements are met. For example, if you complete your US$50 transfer in October 2026, the US$5 reward is credited on 10 November 2026. No manual claim is required.
Yes, either works. Use the referral link on this page, or enter sppEjC in the invite code field when you register in the DeCard app. DeCard's published referral terms do not describe adding a code after registration, so enter it during sign-up. If you have already registered without it, ask DeCard support before you top up.
Yes. DeCard's help centre states that the DeCard USD Card is fully eligible for the referral programme, and your application for either the SGD Card or the USD Card counts as a valid referral. The programme covers DeCard Visa and DeCard Luminaries Visa. The standard DeCard has no annual fee, while DeCard Luminaries charges a US$388 annual membership fee.
You must be a new DeCard Visa or DeCard Luminaries Visa cardholder who has never held a DeCard account, and a resident of a supported country: Singapore, Australia, Japan, South Korea, Malaysia, the Philippines, Taiwan, Thailand or Vietnam. Self-referrals, duplicate accounts and fraudulent activity are disqualified, and DCS may claw back rewards if fraud is detected. Employees of DCS, its subsidiaries and affiliates, and their immediate family members are not eligible.
The standard DeCard has no annual fee and no funding fee. DeCard's fee schedule lists a 1.8% FX fee on foreign-currency transactions, a S$5 or US$5 inactivity fee if the card has no customer-initiated transaction for 90 consecutive days after approval, 28% p.a. interest on the outstanding balance unless the statement balance is paid in full by the due date, and a S$50 or US$50 late payment fee. DeCard Luminaries has a US$388 annual fee and 0% FX fees from 13 July 2026.
DeCard is issued by DCS Card Centre Pte. Ltd., formerly Diners Club Singapore. It is a card product with a credit feature, not a bank deposit account, so SDIC deposit insurance does not apply to your DeCard balance or to stablecoins you hold. Read DeCard's terms in the app before you top up, and only transfer an amount you are comfortable holding.
After signing up with referral code sppEjC and completing your qualifying transfer of US$50 or more, email dlcuration@gmail.com with the subject: DeCard Referral Sign Up - [last 4 digits of your phone number] - [date of your first top-up in DD/MM/YYYY]. For example: DeCard Referral Sign Up - 8848 - 12/10/2026. You are then entered into the monthly draw (S$5 in vouchers) and the annual grand draw (S$50 in vouchers). This is a separate campaign funded entirely by DLCuration and is not part of DeCard's programme.
Before you apply

DeCard is a card product issued by DCS Card Centre Pte. Ltd. It is not a bank deposit account and is not covered by SDIC deposit insurance. The card has a credit feature: unpaid statement balances accrue interest at 28% p.a., and a late payment incurs a S$50 or US$50 fee. This page is not financial advice.

Sign up for DeCard.
Get US$5 free.
Enter for even more.

Use the referral link or enter code sppEjC during sign-up. Transfer US$50 or more within 30 days. Then email us to enter the DLCuration monthly and annual bonus draw.

sppEjC


Sign up for DeCard — Get US$5

Referral code: sppEjC · US$50 transfer within 30 days required · US$5 reward credited 10th of following month

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