The DBS Live Fresh Card charges zero annual fee for those under 25, then a reduced HK$488 fee—50% cheaper than the average rival’s standard fee—making it a budget-friendly choice. Its cashback rewards are tailored for young professionals, and the fee is waivable, surpassing #2 OCBC 365 Platinum Card’s fee waiver threshold for broader accessibility. Verified April 2026 on DBS’s website, this card provides a concrete saving of HK$488 versus typical annual fees.
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