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!

Apply Now

We offer 2 different services to meet your personal needs.

Latest Offer

  • Online apply “Call-a-loan” Instalment Cash Service get 1% rebate of Approved Loan Amount 8-12 and additional HK$200 cash rebate for new online Cash Service user 13-17

Promotion Period

  • 1/6/2017 - 30/6/2017

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

  • Personalised preferential monthly flat rate1 as low as 0.17%2
  • 6 to 60 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 0.17%, is only applicable to selected customers; Monthly flat rate of 0.17%, its annualised percentage rate is 3.88%. 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.

Terms and Conditions for "Call-a-loan" Online Instalment Cash Service get 1% cash rebate of Approved Loan Amount Promotion

  1. DBS Credit Card "Call-a-loan" Online Instalment Cash Service get 1% cash rebate of Approved Loan Amount Promotion ("Promotion") runs from 1 Jun 2017 to 30 Jun 2017 (both dates inclusive) ("Promotion Period").
  2. During the Promotion Period, Cardholder who has successfully applied "Call-a-loan" ("Loan") Online with DBS Credit Card/COMPASS VISA and with number of Instalments 18 months or above, can enjoy 1% cash rebate ("Rebate") on approved loan amount. ( Definition of Online Cash Service / Loan application : Refer to "Call-a-loan"/ "Funds Transfer" service applied via "DBS Credit Card Online Cash Conversion" website (www.dbs.com/hk/cardloan) OR via Omni iD login DBS Omni / DBS Omni web version (cards.dbs.com.hk) )
  3. "Loan Amount" and "Number of Instalments" is stated on the "Call-a-loan" service application approval letter.  Any other or additional interest and charges shall not be counted. When calculating the entitlement to Rebate, the amount will be rounded to the nearest dollar. Maximum rebate amount during the promotion period is HK$500.
  4. Rebate will be credited to the credit card account with the approved Call-a-loan within 2 months after the promotion end date 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.
  5. 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.

Terms and Conditions for "Call-a-loan" Online Instalment Cash Service additional HK$200 cash rebate for new online Cash Service User

  1. DBS Credit Card "Call-a-loan" Online Instalment Cash Service additional HK$200 cash rebate for new online Cash Service User Promotion ("Promotion") runs from 1 Jun 2017 to 30 Jun 2017 (both dates inclusive) ("Promotion Period").
  2. During the Promotion Period, Cardholder who first time successfully applied "Call-a-loan" ("Loan") Online with DBS Credit Card/COMPASS VISA and with loan amount HK$30,000 or above AND number of Instalments 18 months or above, can enjoy additional HK$200 cash rebate ("Rebate"). The offer is NOT applicable to customer who has online applied "Call-a-loan"/ "Funds Transfer" service before the promotion period. ( Definition of Online Cash Service / Loan application : Refer to "Call-a-loan"/ "Funds Transfer" service applied via "DBS Credit Card Online Cash Conversion" website (www.dbs.com/hk/cardloan) OR via Omni iD login DBS Omni / DBS Omni web version (cards.dbs.com.hk) )
  3. "Loan Amount" and "Number of Instalments" is stated on the "Call-a-loan" service application approval letter.  Any other or additional interest and charges shall not be counted. When calculating the entitlement to Rebate, the amount will be rounded to the nearest dollar. Maximum rebate amount during the promotion period is HK$200.
  4. Rebate will be credited to the credit card account with the approved Call-a-loan within 2 months after the promotion end date 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.
  5. 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.
Reminder: To borrow or not to borrow? Borrow only if you can repay!

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