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

New Flexi Shopping

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 August 2022 to 31 December 2022!

  • Unlimited free trial of 3-month instalments

    Customers who successfully apply for 3-month Flexi Shopping Programme that charged one-off handling fee via DBS Card+ app can enjoy a full rebate for the one-time handling fee involved in the application. The number of applications is not restricted+.


    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$65 HK$65

    HK$9,000


     

    +One-off handling fee will be billed at the time the first instalment is charged to the credit card account. Fee Rebate will be rebated to the Cardholders through “InstaRedeem” at the time the first instalment of the Flexi Shopping is charged to the Applicable Credit Card account. When the first instalment is charged and displayed on Spending of DBS Card+, Cardholders will receive an “InstaRedeem” push notification with an amount equal to the one-off handling fee payable for the instalment transaction. Cardholders can use Handling Fee InstaRedeem to set off the one-off handling fee payable for such Flexi Shopping. Handling Fee InstaRedeem must be used within 3 months after the end of Promotion Period at the latest. Unused Handling Fee InstaRedeem after the Valid Period will be forfeited. The Bank will not make any special arrangements and any forms of compensation. 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.

    For application submitted on or after 21 November 2022, there will be changes in the method of fee rebate. The relevant terms and conditions has been revised. Please click here for the details of revised terms and condition.

 

More fabulous offers:


3 Free Trials for New Flexi Shopping Customer

Enjoy Flexi Shopping instalment 10 times for FREE

SUNING free trial of 6-month instalment and a chance to win up to 100% Cash Rebate
Promotion Period:
1/8/2022 – 31/12/2022
Promotion Period:
1/5/2022 – 31/12/2022
Promotion Period:
1/11/2022 – 31/12/2022

Apple Store up to HK$150  Rebate and a chance to win up to 100% Cash Rebate

Free Trial of Flexi Shopping 6-month instalments - designated merchants spending
 
Promotion Period:
9/9/2022 – 15/1/2023
Promotion Period:
Please refer to promotion page
 
 

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!

One-off handling fee as low as HK$20, please click here for details.

One-off handling fee effective from 21 November 2022, please click here for details.

 
 

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 0.24%*!

Example:

Assume repaying a credit card transaction of HK$10,000 by 24 months with a monthly flat rate of 0.24%, the daily interest is as low as HK$0.8*.

Monthly Instalment Amount   Monthly Interest Fee   Monthly Repayment Amount
HK$416.67
(HK$10,000 / 24)
+ HK$24
(HK$10,000 x 0.24%)
= HK$440.67

* The above example is based on 365 days per year, a monthly flat rate at 0.24% while the daily interest is as low as HK$0.8 (HK$10,000 x 0.24% ÷ 30) and the Annualised Percentage Rate (APR) is 5.58%. 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 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 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

 

 

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 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 before payment due date to enquiry whether payment instruction can be amended 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. 
 

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)


Useful Links

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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.
  • To borrow or not to borrow? Borrow only if you can repay!

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