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!


Latest Offer

  • Apply “Call-a-loan” Instalment Cash Service online to enjoy extra cash rebate up to $1,500 ! 8

Promotion Period

  • 11/8/2017 - 31/8/2017

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. Cash will be deposited to your designated account within 2 working days for successful application. Otherwise, the bank will contact you within 2 working days. The Bank reserves the right to request additional documents for application approval.
  2. Total cash rebate entitlement for the customer depends on the approved loan amount and the tenor of "Call-a-loan" Online Instalment Cash Service. For example : New online cash service customer successfully applied for "Call-a-loan" Online Instalment Cash Service of HK$300,000 with 18 monthly instalments, could enjoy total HK$1,500 cash rebate. The following terms and conditions apply to the promotion offer, please refer to the followings for details:
    • Terms and Conditions for "Call-a-loan" Online Instalment Cash Service get “1% Standard cash rebate of Approved Loan Amount” Promotion (up to HK$500)
    • Terms and Conditions for "Call-a-loan" Online Instalment Cash Service get “Extra cash rebate” promotion ( up to HK$800 )
    • Terms and Conditions for "Call-a-loan" Online Instalment Cash Service get “HK$200 cash rebate for New Online Cash Service User” Promotion ( up to HK$200 )
    • Terms and Conditions for General Promotional Offer

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

  1. Promotional period of DBS Credit Card "Call-a-loan" Online Instalment Cash Service get “1% Standard cash rebate of Approved Loan Amount” Promotion ("Promotion") already stated/printed as above (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. During the promotion period, maximum rebate amount under “1% Standard cash rebate of Approved Loan Amount” promotion is HK$500.

Terms and Conditions for "Call-a-loan" Online Instalment Cash Service get “Extra cash rebate” Promotion:

  1. Promotional period of DBS Credit Card "Call-a-loan" Online Instalment Cash Service get “Extra cash rebate” Promotion ("Promotion") already stated/printed as above (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 approved loan amount and number of Instalments fulfilling the requirement below, can enjoy respective extra cash rebate ("Rebate"). During the promotion period, maximum rebate amount under “Extra cash rebate” promotion is HK$800.
    Approved Loan AmountNumber of InstalmentsExtra Cash Rebate
    HK$50,000 – HK$79,99918 months or aboveHK$100
    HK$80,000 – HK$149,999HK$200
    HK$150,000 – HK$299,999HK$500
    HK$300,000 or aboveHK$800

Terms and Conditions for "Call-a-loan" Online Instalment Cash Service get “HK$200 cash rebate for New Online Cash Service User” Promotion:

  1. Promotional period of DBS Credit Card "Call-a-loan" Online Instalment Cash Service get “HK$200 cash rebate for New Online Cash Service User” Promotion ("Promotion") already stated/printed as above (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 HK$200 cash rebate ("Rebate"). During the promotion period, maximum rebate amount under “HK$200 cash rebate for New Online Cash Service User” promotion is HK$200. The offer is NOT applicable to customer who has online applied "Call-a-loan"/ "Funds Transfer" service before the promotion period.

Terms and Conditions for General Promotional Offer:

  • 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)
  • "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.
  • 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.
  • 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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