Terms and Conditions for "Call-a-loan" Online Instalment Cash Service get up to HK$5,000 “Cash Rebate” Promotion

  1. Promotional period of DBS Credit Card "Call-a-loan" Online Instalment Cash Service get up to HK$5,000 “Cash Rebate” Promotion ("Promotion") already stated at/printed on leaflet/website (both dates inclusive) ("Promotion Period").
  2. During the Promotion Period, cardholder who has successfully applied "Call-a-loan" ("Loan") Online with DBS Credit Card and with cash out amount of the loan approved and number of Instalments fulfilling the requirement below, can enjoy respective Cash Rebate ("Cash Rebate"). During the Promotion Period, maximum Cash Rebate amount under this Promotion is HK$5,000 per customer.
 Cash Rebate
Cash out amount of the loan approved Number of Instalments
12 months or below
Number of Instalments
18-30 months
Number of Instalments
36-48 months
Number of Instalments
54-60 months
HK$30,000 –
HK$49,999
HK$100 HK$200 HK$400 HK$600
HK$50,000 –
HK$79,999
HK$150 HK$300 HK$600 HK$800
HK$80,000 –
HK$149,999
HK$300 HK$600 HK$1,000 HK$1,500
HK$150,000 –
HK$299,999
HK$500 HK$1,000 HK$2,000 HK$3,000
HK$300,000 or above HK$1,000 HK$2,000 HK$3,000 HK$5,000

Terms and Conditions for New DBS Credit Card Customer / New Instant Cash Instalment Loan user, enjoy 3 months Interest Cash Rebate of the first "Call-a-loan" Instalment Cash Promotion

  1. Promotional period of New DBS Credit Card Customer / New Instant Cash Instalment Loan user, enjoy 3 months Interest Cash Rebate of the first "Call-a-loan" Instalment Cash Promotion ("Promotion") already stated at/printed on leaflet/ website (both dates inclusive) ("Promotion Period").
  2. During the Promotion Period, new DBS credit card customer / New Instant Cash Instalment Loan user, successfully applied the first "Call-a-loan" ("Loan") with cash out amount >=HK$30,000 and number of Instalments >=36, could enjoy cash rebate equivalent to the amount of 3 months Interest ("Cash Rebate"). Maximum Cash Rebate amount under this Promotion is HK$5,000 per customer. New DBS Credit Card customer refers to customer with their first DBS credit card approved in last 12 months. Customer with "Call-a-loan" applied before the Promotion Period is not eligible to the offer of this Promotion.
  3. Calculation of Cash Rebate = (Monthly Instalment Amount x Number of Instalment - Loan Amount) ÷ Number of Instalment x 3
  4. This Promotion cannot be enjoyed in conjunction with the "Call-a-loan" Online Instalment Cash Service get up to HK$5,000 "Cash Rebate" promotion, eligible customer will be entitled to the offer with higher Cash Rebate amount among these two promotions. In case of disputes, decision of the Bank shall be final and binding."

Terms and Conditions for Online Permanent Increase in Combined Credit Limit and Cash Out to get up to HK$600 Promotion

  1. Promotional period of Online Permanent Increase in Combined Credit Limit and Cash Out to get up to HK$600 Promotion ("Promotion") already printed on/stated at leaflet/website (both dates inclusive) ("Promotion Period").
  2. During the Promotion Period, cardholder who has simultaneously applied for Instant Cash with cash out amount of the loan approved fulfilling the requirement below, and permanent increase in combined credit limit and have been approved via DBS Bank (Hong Kong) Limited (the “Bank”)’s DBS Credit Card “Instant Cash" website (www.dbs.com/hk/cardloan) or DBS Card+ mobile application, can enjoy respective cash rebate ("Cash Rebate"). During the Promotion Period, each cardholder can only enjoy Cash Rebate once.
  3. Cash out amount of the loan approved Cash Rebate
    HK$30,000 – HK$79,999 + permanent increase in combined credit limitHK$600
    HK$80,000 or above + permanent increase in combined credit limitHK$300
  4. Cash Rebate will be credited to cardholder’s credit card account within 3 months after the Promotion end date and shown in the monthly statement. Cash Rebate are not redeemable for cash and cannot be used to offset or settle the minimum payment of monthly statement. If cardholder has more than 1 DBS credit card, the Bank has the right to decide to credit Cash Rebate in any of the credit card accounts.
  5. Promotion is only applicable to cardholder whose credit card account is in good standing (as determined by the Bank at its sole discretion), remains valid and not in default during the Promotion Period and upon Cash Rebate are credited. The Bank reserves the right to terminate the Promotion and/or deduct the value of any Cash 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.
  6. This Promotion cannot be enjoyed in conjunction with other increase credit limit promotions.
  7. The Bank may change these terms and conditions and/or modify or terminate the Promotion. The Bank’s decision is final.
  8. The English version shall prevail if there is any inconsistency between the English and Chinese versions.

Terms and Conditions for general promotional offer of "Call-a-loan"

  1. Definition of Online Cash Service / Loan application : Refer to Instant Cash service applied via the Bank's DBS Credit Card "Instant Cash" website OR via Card+ iD login DBS Card+ / DBS Card+ web version (cards.dbs.com.hk)
  2. Customer could only enjoy One type of card loan promotion offer per each card loan approved. And the Bank reserves the right to offer applicable card loan promotion offer. In case of disputes, decision of the Bank shall be final and binding.
  3. “Cash out amount of the loan approved”, "Loan Amount”, “Preferential APR”, "Monthly Instalment 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/Extra Cash Rebate/Interest Rebate, the amount will be rounded to the nearest dollar. Definition of “Cash out amount of the loan approved”: If the “Call-a-loan” service applied is without consolidation or early repayment of existing loan, “Cash out amount of the loan approved” is equal to Loan amount. If the “Call-a-loan” service applied is with consolidation or early repayment of existing loan, “Cash out amount of the loan approved” is equal to “New loan principal amount” deducting “replaced loan remaining principal amount”.
  4. Rebate/Extra Cash Rebate/Interest Rebate will be credited to the credit card account with the approved Call-a-loan within 3 months after the promotion end date and shown in the monthly statement. Rebate and Extra Cash Rebate are 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 and Extra Cash Rebate are 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.