Card Low Interest Loan and Services

Credit Card Low Interest Loan

Credit Card Cash Conversion maximises your financial flexibility with online express approval. No document required.

Successfully apply Credit Card Online Cash Conversion to get 2 months interest rebate!

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We offer 2 different services to meet your personal needs.

Latest Offer

  • Online apply “Call-a-loan” Instalment Cash Service get 10% interest rebate 8-11 and additional HK$200 cash rebate 12-14

Plan 1
"Call-a-loan" Instalment Cash Service

  • Personalised preferential monthly flat rate1 as low as 0.13%2
  • 6 to 36 months repayment period
  • Cash withdrawal amount up to 12 times of monthly income
  • No document is required and online express approval7

Plan 2
"Funds Transfer" Flexi Cash Service

  • Personalised preferential annual interest rate4 as low as 5.8%5
  • Flexible repayment as low as the minimum payment of credit card monthly statement
  • Cash withdrawal amount up to 12 times of monthly income
  • No document is required and online express approval7


Notes for "Call-a-loan" service :

  1. "Call-a-loan" service and the personalised preferential interest rate is only applicable to selected customers. Personalised preferential interest rate is for reference only. DBS Bank (Hong Kong) Limited reserves the right at its absolute discretion on the acceptance of application, approval of the service and determining the preferential interest rate from time to time according to different promotions. Please logon via “Apply Now” or call Application Hotline 2290 8222 to enquire for the personalised preferential interest rate and the related fee.
  2. Personalised preferential monthly flat rate as low as 0.13%, is only applicable to selected customers; Monthly flat rate of 0.13%, its annualised percentage rate is 2.99%. The Annualised Percentage Rate (APR) is calculated in accordance with the guidelines issued by the Hong Kong Monetary Authority in respect of the Code of Banking Practice.
  3. The application of "Call-a-loan" service should be bound by related terms and conditions. For details, please refer to the Terms and Conditions of "Call-a-loan" service or call Application Hotline 2290 8222.

Notes for "Funds Transfer" service:

  1. "Funds Transfer" service and the personalised preferential interest rate is only applicable to selected customers. Personalised preferential interest rate is for reference only. DBS Bank (Hong Kong) Limited reserves the right at its absolute discretion on the acceptance of applications, approval of the service and determining the preferential interest rate from time to time according to different promotions. Please logon via "Apply Now" or call Application Hotline 2290 8222 to enquire for the personalised preferential interest rate and the related fee.
  2. Annual interest rate of 5.8%, its annualised percentage rate is 5.96%. The Annualised Percentage Rate (APR) is calculated in accordance with the guidelines issued by the Hong Kong Monetary Authority in respect of the Code of Banking Practice.
  3. The application of "Funds Transfer" service should be bound by related terms and conditions. For details, please refer to the Terms and Conditions of "Funds Transfer" service or call Application Hotline 2290 8222.

Notes for "DBS Credit Card Online Cash Conversion":

  1. After customer apply Credit Card online Cash Conversion, we will contact you within 2 working days to confirm the application details. The Bank reserves the right to request additional documents for application approval.

Notes for "Call-a-loan" – Credit Card Online Cash Conversion 10% Interest Rebate Promotion:

  1. Cardholder who has successfully applied for “Call-a-loan” (“Loan”) with DBS Credit Card/COMPASS VISA via the "DBS Credit Card Online Cash Conversion" website (www.dbs.com/hk/cardloan) of DBS Bank (Hong Kong) Limited ("the Bank") can enjoy 10% rebate (“Rebate”) on Total Loan Interest (as defined in Clause 9).  When calculating the entitlement to Rebate, the amount will be rounded to the nearest dollar.
  2. ”Total Loan Interest” is equal to the “Monthly Instalment Amount” multiplied by “Number of Instalments” then minus the “Loan Amount” as stated on the “Call-a-loan” Service Application approval letter.  Any other or additional interest and charges shall not be counted.
  3. Rebate will be credited to the credit card account with the approved Call-a-loan within 2 months after the date of loan approval and shown in the monthly statement. Rebate is not redeemable for cash and cannot be used to offset or settle the minimum payment of monthly statement.
  4. Promotion is only applicable to cardholder whose credit card account is in good standing and remains valid and not in default upon the Rebate is credited. If cardholder early repays the approved loan, the Bank reserves the right to terminate the Promotion and/or deduct the value of any rebate awarded from any of the cardholder's account(s) without prior notice. In case of disputes, decision of the Bank shall be final and binding.

Notes for "Call-a-loan" – Credit Card Online Cash Conversion Additional HK$200 Cash Rebate Promotion:

  1. Cardholder who has successfully applied for “Call-a-loan” (“Loan”) with approved Loan amount of HK$50,000 or above with DBS Credit Card/COMPASS VISA via the "DBS Credit Card Online Cash Conversion" website (www.dbs.com/hk/cardloan) of DBS Bank (Hong Kong) Limited ("the Bank") can enjoy HK$200 cash rebate (“Cash Rebate”).
  2. Cash Rebate will be credited to the credit card account with the approved Call-a-loan within 2 months after the date of loan approval and shown in the monthly statement. Cash Rebate is not redeemable for cash and cannot be used to offset or settle the minimum payment of monthly statement.
  3. Promotion is only applicable to cardholder whose credit card account is in good standing and remains valid and not in default upon the Cash Rebate is credited. If cardholder early repays the approved loan, the Bank reserves the right to terminate the Promotion and/or deduct the value of any rebate awarded from any of the cardholder's account(s) without prior notice. In case of disputes, decision of the Bank shall be final and binding.