For Key Facts Statement of "Fee Based Instalment Programme", please click here.


Fee Based Instalment Programme

An alternative payment option after spending. With the DBS Credit Card Fee Based Instalment Programme, you can enjoy extra freedom on your Credit Card spending by spreading repayments across 60 monthly instalments.

  • Personalised preferential monthly rate as low as 0.18%*
  • Repay over a period that suits you – from 6 to 60 months
  • Hassle-free by combining various credit card transactions into your instalments
  • No document required and online express approval
Apply Now Product Key Facts Statement & Terms and Conditions of "Fee Based Instalment Programme"

Fee Based Instalment Programme has been discontinued. New applications will not be accepted starting from 26 April 2022. For applications made and approved before that, you can continue to use it until the 6outstanding balance is fully repaid.

If you would like to use our instalment plan, please feel free to choose Flexi Shopping Programme to enjoy more flexible instalment options. For details of the programme, please refer to the “Flexi Shopping Programme” web page or download the latest DBS Card+ HK app from App Store or Google Play to apply.


Instalment Amount Personalised Monthly Flat Rate (%)

Daily Interest (Calculated based on the average annual total interest)

HK$10,000 0.18%* HK$0.6

How to Apply

  • Download DBS Card+ mobile application to apply
  • Application Hotline: 2290 8333


Note: Early repayment of “Fee Based Instalment Programme”

If you choose to pay off the “Fee Based Instalment Programme” early, you are not able to save any interest because interest payable for the remaining term of the “Fee Based Instalment Programme”, which is embedded in the monthly instalment amount shall still be payable.

* The above example is based on an instalment amount of HK$10,000, 12-months instalment and a monthly flat rate at 0.18%. The interest is calculated at 365 days per year, while the daily interest is as low as HK$0.6 and the annualised percentage rate is 4.04%. The Annualised Percentage Rate (APR) is calculated in accordance with the guidelines issued in respect of the Code of Banking Practice. The daily interest is rounded to the nearest 1 decimal place.

Notes for DBS Credit Card Fee Based Instalment Programme:

  1. The personalized interest rate offer that customers can enjoy depends on the financial situation of individual customers. The Bank reserves the right to determine the customer's personalized interest rate offer. Please visit our online application page or call the Application Hotline 2290 8333 for your applicable personalized interest rate offer and terms and conditions.
  2. Please apply at least 6 business days in advance of the payment due date specified in the monthly statement.
  3. If your account has applied for "Autopay" service, please contact customer services hotline 2290 8888 to update related instruction.
  4. For successful on-line application, a confirmation letter will be issued. Otherwise, the bank will contact you within 2 working days to follow-up.
  5. The application for DBS Credit Card Fee Based Instalment Programme is bound by related terms and conditions. For details, please refer to Terms and Conditions of “Fee Based Instalment” Programme or call the Application Hotline 2290 8333.

Terms and Conditions

Reminders about Responsible Borrowing

  • You should have a clear understanding of your financial condition, daily expenses, and actual borrowing needs.
  • You should assess your repayment ability and avoid over-borrowing.
  • You should repay any outstanding balance on time to avoid late payment charges and additional overdue interest.
  • To borrow or not to borrow? Borrow only if you can repay!


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