I opened a DBS Basic 10K savings account 9 months ago! About a month ago,
I received a call from the branch offering me a pre-approved LTF Spark 5 credit card. During the call, after sharing two OTPs, one to confirm my identity and the second to consent to the credit card offer. I agreed to proceed.
I wouldn’t share OTPs with anyone over the phone, but since the call came from an official DBS Bank number, I felt comfortable doing so. The card was approved and generated within 10 minutes.
Later that day, I received another call explaining the card’s benefits. Out of curiosity,
I asked the representative about the credit limit, as it wasn’t yet visible in the app. After confirming my home address, they informed me of my limit. They also mentioned that the full limit would be usable and visible in the app after the card was delivered.
I frequently shop online and take advantage of discounts, so I had previously wanted to apply for a DBS card of any tier. However, every time I entered the last four digits of my debit card, the system showed my account as ineligible.
This action might have triggered the pre-approved offer, or perhaps they were extending it due to the end of the financial year.