Notes

General Notes:

All Flexi Shopping application should be completed 6 working days before the payment due date printed on the monthly statement. Otherwise, you are required to first settle payment for the relevant Eligible Transaction in full before the payment due date. Once the application for the Programme is successful, the payment you made for the relevant Eligible Transaction will be credited to your Card Account and the relevant Eligible Transaction will be converted into a Flexi Shopping Transaction and net-off the statement balance in the following month.
If the transactions that you have applied for Flexi Shopping cannot be successfully converted into instalment transactions before the monthly statement is issued, and you have arranged “Autopay” service for your credit card account, you can call the customer service hotline 2290 8888 at least two business days before payment due date to enquiry whether payment instruction can be amended or not.
If you apply the eligible transaction made by DBS Black American Express^® Card or eligible transaction of “iFlexi - up to 90-day Interest-free Repayment Period for Online Transaction”/ “Flexi Travel - up to 90-day Interest-free Repayment Period for Overseas and Travelling Transaction” promotion made by DBS Live Fresh Card via DBS Card+ app, you can only apply Flexi Shopping with single transaction only. If you apply for Flexi Shopping that charged one-off handling fee, that single transaction amount must be HK$500 or above. If you apply for Flexi Shopping that charged monthly interest, that single transaction amount must be HK$2,000 or above (Login DBS Card+ app > choose “Spending” page > select eligible transaction to start your application Journey).
Maximum 500 eligible transactions can be selected for single application via DBS Card+ app.
After the online application is successfully submitted, you will receive an email for your application. If there is any discrepancy between the information you submitted and the bank's record, the bank will contact you to follow up before the payment due date of the relevant transaction.

Notes for Flexi Shopping Programme that charged one-off handling fee

Only applicable for spending amount of HK$500 – HK$300,000 (single application). If the application amount is more than HK$300,000, please select Flexi Shopping that charged monthly interest.

Notes for Flexi Shopping Programme that charged monthly interest

Not applicable for spending amount of HK$300,000 or below for 6 or 12-month of Flexi Shopping that charged monthly interest for application through DBS Card+ app. Please select Flexi Shopping that charged one-off handling fee.
If you choose to pay off the “Monthly Interest Fee Plan” early, you are not able to save any interest because interest payable for the remaining term of the “Monthly Interest Fee Plan” which is embedded in the monthly instalment amount shall still be payable.
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 DBS Card+ or call the Application Hotline 2290 8333 for your applicable personalized interest rate offer and terms and conditions.

Terms and Conditions

Terms and Conditions for Flexi Shopping Programme (Due to the Chinese name of this product is changed on 21 November 2022, the relevant terms and conditions are updated on the same day. Apart from the Chinese product name, all clauses remain unchanged.)

Flexi-shopping Terms and Conditions (Applicable to Flexi-Shopping Programme approved on or before 25 April 2022 only)

Terms and Conditions for Fee Based Instalment Programme (Applicable for Fee Based Instalment Programme approved on or before 25 April 2022 only)

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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.
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