For Key Facts Statement of "Flexi Shopping Programme", please click here.

New Flexi Shopping – Enjoy Now Pay Later!

Live more in the future of shopping with New Flexi Shopping Programme ("Flexi Shopping”). Spend with your DBS Credit Card and you can apply for Flexi Shopping via Card+ app straight away. Split bills and choose instalment plans from 3 to 60 months in 2 easy steps. You can even combine multiple credit card transactions into a single instalment plan.

 

Product Features:

One-off handling fee or monthly interest payment options

With spending amount HK$500 or above, split your purchase with one-off handling fee as low as HK$20

Newly added 3 months tenor option, more flexible repayment period from 3 to 60 months

Select any number of transactions from any merchants

Split eligible purchases in 2 easy steps.
No document required with online express approval

 

Limited Time Offer

 

 

Enjoy fabulous rewards by successfully applying for Flexi Shopping during 6 May 2022 to 5 August 2022!

    • Flexi Shopping Grand Lucky Draw

      Enter our Lucky Draw to win fabulous prizes when you successfully apply for Flexi Shopping, regardless of the number of instalments and the application channel! Stand a better chance to sweep the prizes when you apply more! No registration needed!


      Grand Prize
      “The Sandbox” Metaverse LAND** (Quota:1 winner,Value at around HK$66,000)

      2nd PrizeUp to 100% Spending Cash Rebate## (Each winner can get a maximum of HK$10,000 cash rebate, 5 winners in total)

    • Unlimited free trial of 3-month instalments

      Customers who successfully apply for 3-month Flexi Shopping Program that charged one-off handling fee via DBS Card+ app for a single transaction of HK$500 or above can enjoy unlimited free 3-month interest-free instalments without handling Fee+!

      Example:

      Merchant Transaction Amount

      (Single Application) 
      Instalment Period Instalment Amount  One-off Handling Fee+  Handling Fee Cash Rebate+  Total Amount Payable including one-off handling fee and after netting-off cash rebate

      HK$9,000 

      (Supermarket spending: HK$3,000; Home appliance spending: HK$6,000)
      3 months HK$3,000 HK$50 HK$50

      HK$9,000


      **For the prize redemption requirement and related matters, please click here. The Sandbox may involve virtual asset-related products that are complex and high-risk products. Before you deal with virtual asset-related products, please read the risk disclosure statements and disclaimers at the website of The Sandbox (https://www.sandbox.game/en/premium-nft-terms-of-use/).

      ##Each winner will receive a full cash rebate or HK$10,000 (whichever is lower) of the highest application amount involved in each successful application for Flexi Shopping during the Promotion Period.

      +One-off handling fee will be billed at the time the first instalment is charged to the credit card account. Handling fee cash rebate will be credited to the Eligible Instalment Application Credit Card account on or before 31 October 2022 and shown on the monthly statement. Please note that the first instalment posted date must be within the Promotion Period to be eligible for the handling fee cash rebate. Unlimited free trial of 3-month instalments is subject to the available credit limit and restricted to the no. of instalment applications supported by the system.

      Promotion is bounded by terms and conditional, please click here.

 

More fabulous offers:


AlipayHK /Taobao /TMall 100% Spending Cash Rebate Lucky Draw & Free trial of 6-month instalment

Up to HK$300 one-off handling fee rebate at Samsung

Up to HK$300 one-off handling fee rebate at Dyson
Promotion Period:
1/5/2022 – 30/6/2022
Promotion Period:
1/5/2022 – 30/6/2022
Promotion Period:
1/5/2022 – 30/6/2022

Free trial of month instalment at Trip.com

3 Free Trials for New Flexi Shopping Customer

Enjoy Flexi Shopping instalment 10 times for FREE
Promotion Period:
11/5/2022 – 12/7/2022
Promotion Period:
11/5/2022 – 12/7/2022
Promotion Period:
1/5/2022 – 31/12/2022
 

For Flexi Shopping that charged one-off handling fee

Pay only the one-off handling fee for 3/6/12-month instalments. No extra charges!

Details of one-off handling fee

Single Eligible
Instalment Application
Amount (HK$)
One-off handling fee^ (HK$)
3-month instalment period 6-month instalment period 12-month instalment period
$500 to $5,000 HK$20 $50 $150
Above $5,000 to $10,000 HK$50 $100 $200
Above $10,000 to $20,000 HK$80 $150 $300
Above $20,000 to $30,000 HK$130 $250 $480
Above $30,000 to $40,000 HK$230 $400 $750
Above $40,000 to $50,000 HK$290 $500 $950
Above $50,000 to $60,000 HK$350 $600 $1,150
Above $60,000 to $100,000 HK$500 $900 $1,700
Above $100,000 to $150,000 HK$750 $1,300 $2,450
Above $150,000 to $200,000 HK$1,100 $1,900 $3,600
Above $200,000 to $250,000 HK$1,250 $2,500 $4,700
Above $250,000 to $300,000 HK$1,500 $3,000 $5,600

^ One-off handling fee will be included in the first instalment and debited from your credit card account.

 

For Flexi Shopping that charged monthly interest

You can enjoy extra flexibility on your credit card spending by splitting it from 6 to 60-month instalments. Application amounts as low as HK$2,000 for interest fee plan. Personalised preferential monthly rate as low as 0.18%*!

Example:

Assume repaying a credit card transaction of HK$10,000 by 24 months with a monthly flat rate of 0.18%, the daily interest is as low as HK$0.6*.

Monthly Instalment Amount   Monthly Interest Fee   Monthly Repayment Amount
HK$416.67
(HK$10,000 / 24)
+ HK$18
(HK$10,000 x 0.18%)
= HK$434.67

* The above example is based on 365 days per year, a monthly flat rate at 0.18% while the daily interest is as low as HK$0.6 (HK$10,000 x 0.18% ÷ 30) and the Annualised Percentage Rate (APR) is 4.17%. The 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.

 

Application channels

1) DBS Card+ app

  • Select “Spending” page > Select Card
  • Select “Card” page > Select Card > Spending Instalment
  • Select “More” page > Spending Instalment

2) Application Hotline for one-off handling fee plan: 2233 1888

For applying 6/12-month Flexi Shopping and applicable to DBS COMPASS VISA and DBS Live Fresh Card only. Only applicable for Flexi Shopping that charged one-off handling fee and accept application with single transaction only and single transaction amount must be HK$500 or above. Multiple transaction is not allowed for this channel.


3) Application Hotline for monthly interest fee plan: 2290 8333

For all DBS credit cardholders who applying 6-60-month Flexi Shopping that charged monthly interest


Transaction Amount HK$500 to HK$300,000
Tenor 3, 6, 12
Type of Flexi Shopping For Flexi Shopping that charged one-off handling fee
Application Channel 1. DBS Card+ app ###
2. Application hotline 2233 1888 ***
Remarks

### 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, you can only apply Flexi Shopping with single transaction only, multiple transaction selection is not allowed.

***Only applicable for the Cardholders of DBS COMPASS VISA or DBS Live Fresh Card and apply Flexi Shopping 6 or 12-month instalments. This channel only accept application with single transaction only, multiple transaction selection is not allowed.

 

Transaction Amount HK$2,000 or above
Tenor 6 to 60
Type of Flexi Shopping For Flexi Shopping that charged monthly interest
Application Channel 1. DBS Card+ app &@
2. Application hotline 2290 8333
Remarks

& For transaction amount HK$300,000 or below: Only 18 to 60-months instalments is applicable. If cardholder would like to apply for 6 or 12-month instalments, please call application hotline at 2290 8333; For transaction amount HK$300,000 above: 6 to 60-month instalments is available.

@ 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, you can only apply Flexi Shopping with single transaction only, multiple transaction selection is not allowed.

 

 

How To Apply For Flexi Shopping with DBS Card+ App

Step 1: Choose the transaction that you want to apply for Flexi Shopping

Step 2: Choose tenor and tap "CONFIRM" button

All Done!
 

Notes

General Notes:

  1. 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.
  2. If your account has applied for “Autopay” service, the eligible transaction of your Flexi Shopping application is not converted into an instalment transaction before the statement issue date, please contact our customer services hotline 2290 8888 in advance of this application before payment due date to enquiry whether can amend the payment instruction or not.
  3. 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).
  4. Maximum 500 eligible transactions can be selected for single application via DBS Card+ app.
  5. 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

  1. 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

  1. 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.
  2. 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.
  3. 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. 
 

Useful Links

Download DBS Card+ app


Not yet a DBS Credit Cards cardholder?

DBS COMPASS VISA

Apply Now

DBS Black Card

Apply Now

DBS Eminent Card

Apply Now

 

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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