Terms and Conditions for "Funds Transfer" Online Cash Service get “Cash Rebate” Promotion

Promotional period of DBS Credit Card "Funds Transfer" Online Cash Service get “Cash Rebate” Promotion ("Promotion") already stated at/printed on leaflet/website (both dates inclusive) ("Promotion Period").

During the Promotion Period, cardholder who has successfully applied "Funds Transfer" ("Loan") Online with DBS Credit Card, with total approved loan amount (Transfer Amount) of individual credit card fulfilling the requirement below, can enjoy respective cash rebate ("Cash Rebate"). During the Promotion Period, maximum Cash Rebate amount under this Promotion is HK$2,500 per customer.

Total "Funds Transfer" Loan Amount	Cash Rebate^{^}
HK$20,000 – HK$49,999	Up to HK$200 ^{^}
HK$50,000 – HK$79,999	Up to HK$500 ^{^}
HK$80,000 – HK$149,999	Up to HK$1,000 ^{^}
HK$150,000 – HK$299,999	Up to HK$1,500 ^{^}
HK$300,000 or above	Up to HK$2,500 ^{^}

^{^} Total Cash Rebate offered to the customer will be compared to 25% of the Total Finance Charges of Funds Transfer shown on monthly statement of June 2023 & July 2023 and whichever is lower will be the Cash Rebate applicable to customer

(for Example : Customer applied $50,000 Funds Transfer online, and 25% of the Total Finance Charges of Funds Transfer shown on monthly statement of both June 2023 & July 2023 is $600, customer is entitled to $500 Cash Rebate)

(for Example : Customer applied $50,000 Funds Transfer online, and 25% of the Total Finance Charges of Funds Transfer shown on monthly statement of both June 2023 & July 2023 is $300, customer is entitled to $300 Cash Rebate)

During the Promotion Period, in addition to the maximum Cash Rebate limit as stated in point 2 of above, the maximum Cash Rebate offered to customer, must not exceed the calculation of approved loan amount (Transfer Amount) of Funds Transfer applied online during Promotion Period x Annualized Percentage Rate (APR) ÷ 365 x 30, and whichever is lower will be applied. If customer have multiple Funds Transfer applied online during the Promotion Period, only the one with the highest approved loan amount (Transfer Amount) will be eligible for the calculation.
Finance Charges of “Funds Transfer" refers to “FINANCE CHARGES – FUNDS TRANSFER” item(s) show on monthly statement.
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$800 Promotion

Promotional period of Online Permanent Increase in Combined Credit Limit and Cash Out to get up to HK$800 Promotion ("Promotion") already printed on/stated at leaflet/website (both dates inclusive) ("Promotion Period").
During the Promotion Period, customer who has simultaneously applied for permanent increase in combined credit limit and Cash Instalment Loan (“Call-a-loan” service”) / Revolving Loan (“Funds Transfer” service) by using DBS credit card via DBS Credit Card “Instant Cash" website or DBS Card+ mobile application and have been approved, 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, each customer can only enjoy Cash Rebate once.

Cash out amount of the loan approved	Number of Instalments (If applicable)	Cash Rebate
HK$50,000 – HK$99,999 + permanent increase in combined credit limit	12 - 60 months	HK$400
HK$100,000 or above + permanent increase in combined credit limit	12 - 60 months	HK$800

Cash Rebate will be credited to customer’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 customer 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.
Promotion is only applicable to customer 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. If the status of customer’s credit card account is not in good standing, the Bank reserves the right to disqualify the customer from participating in the Promotion and/or enjoying the Cash Rebate. In case of disputes, decision of the Bank shall be final and binding.
This Promotion cannot be enjoyed in conjunction with other increase credit limit promotions.
The Bank may change these terms and conditions and/or modify or terminate the Promotion. The Bank’s decision is final.
The English version shall prevail if there is any inconsistency between the English and Chinese versions.

Terms and Conditions for general promotional offer of “Funds Transfer”

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)
"Loan Amount”, “Transfer Amount”, “Preferential APR”, “Annualized Percentage Rate” and "Number of Instalments" are stated on the loan 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.
All rebate will be credited to the credit card account of the approved loan within 3 months after the promotion end date and shown in the monthly statement. All rebate are 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 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.