For Key Facts Statement of Instant Cash, please click here.

 

Instant Cash

Instant Cash offers two flexible financing options – Cash Instalment Loan (that is "Call-a-loan" service) and Revolving Loan (that is "Funds Transfer" service) – to allow you to get cash with DBS online express approval.

Latest Promotion Offer

instant cash Cash Rebate
instant cash Promotion Offer

Cash Instalment Loan (that is “Call-a-loan” service)


During the Promotion Period, apply for Cash Instalment Loan (that is “Call-a-loan” service) online with credit limit increase simultaneously to get more cash with instant approval~. Enjoy cash rebate of up to HK$5,600 upon successful application for both at the same time (Monthly interest rate as low as HK$5.4! Details
 
Offer 1: Apply for Cash Instalment Loan (that is “Call-a-loan” Service) via online to get up to HK$5,000 cash rebate#. New DBS Credit Card Customers / New Instant Cash Instalment Loan users can enjoy a cash rebate of 3 months’ interest#!

Offer 2: Online permanent increase in combined credit limit and cash out to get HK$600 cash rebate+

 

Offer example (e.g. Approved loan amount: HK$90,000):

Cash out amount of the loan approved Number of Instalments Monthly flat rate
(Annualised Percentage Rate)
Total interest
(Before deducting cash rebate)
Total interest
(Calculated after deducting cash rebate)
Monthly interest
(Calculated After deducting cash rebate)

Enjoy cash rebate under both offer 1 (HK$300) & offer 2 ($600)

HK$90,000

12 Months

0.09%
(1.99%)

HK$964.32

HK$64.32
(- HK$900)

$5.4

Enjoy cash rebate under offer 1 (HK$300) only

HK$90,000

12 Months

0.09%
(1.99%)

HK$964.32

HK$664.32
(- HK$300)

HK$55.4

Revolving Loan (that is “Funds Transfer” service)

During the Promotion Period, apply for Revolving Loan (that is “Funds Transfer” service) online with credit limit increase simultaneously to get more cash with instant approval~. Enjoy cash rebate of up to HK$2,600 upon successful application for both at the same time. Details
 
Offer 1: Apply for Revolving Loan ("Funds Transfer" service) via online to enjoy up to HK$2,000 cash rebate^

Offer 2: Online permanent increase in combined credit limit and cash out to get HK$600 cash rebate+

 

 

"Call-a-loan" service is the product provided under Cash Instalment Loan plan.
#Cash rebate entitled to by the customer depends on the cash out amount of the loan approved, Preferential APR and / or tenor of "Call-a-loan" Online Instalment Cash Service. Eligible customer will be entitled to the offer with higher cash rebate among the ""Call-a-loan" Online Instalment Cash Service get up to HK$5,000 "Cash Rebate" promotion" and the "New DBS Credit Card Customer / New Instant Cash Instalment Loan user, enjoy 3 months Interest “Cash Rebate” of the first "Call-a-loan" Instalment Cash Promotion". The following terms and conditions apply to the promotion offer:
    1. Terms and Conditions for "Call-a-loan" Online Instalment Cash Service get up to HK$5,000 "Cash Rebate" promotion
    2. Terms and Conditions for New DBS Credit Card Customer / New Instant Cash Instalment Loan user, enjoy 3 months Interest “Cash Rebate” of the first "Call-a-loan" Instalment Cash Promotion
    3. Terms and Conditions for general promotional offer of "Call-a-loan”

 

"Funds Transfer Program" is the product provided under Revolving Loan plan.
^Cash rebate entitled by the customer depends on the approved loan amount (Transfer Amount), Annualized Percentage Rate (APR) and monthly statement’s Finance Charges of “Funds Transfer" Online Cash Service. The following terms and conditions apply to the promotion offer, please refer to the followings for details:
    1. Terms and Conditions for "Funds Transfer" Online Cash Service get “Cash Rebate” promotion (up to HK$2,000)
    2. Terms and Conditions for general promotional offer of “Funds Transfer” service

 

+Promotion period for Online permanent increase in combined credit limit and cash out to get HK$600 cash rebate is from 1 Oct to 31 Oct 2021. The offer is subject to Terms & Conditions, please click here for details.

~Instant credit limit increase is only applicable to selected customers. Other customers can apply for credit limit increase by submitting the required documents. Final credit limit will be approved according to the credit card account status and credit history. We reserve the right to approve the application for permanent increase in combined credit limit.

 

 
 

Online Instant Increase in Combined Credit Limit


Feature

  • Instantly apply for credit limit increase and display the approval result immediately~

~Instant credit limit increase is only applicable to selected customers. Other customers can apply for credit limit increase by submitting the required documents. Final credit limit will be approved according to the credit card account status and credit history. We reserve the right to approve the application for permanent increase in combined credit limit.

How to apply for credit limit increase

Please log in to DBS Card+ app. Tap “Borrow” and choose “Instant Cash” and follow below instructions to increase the combined credit limit:

apply for credit limit increase

 

apply for credit limit increase

 

 
 

 


 
 
 

Cash Instalment Loan (that is “Call-a-loan” service)

instant cash cash rebate

Enjoy up to HK$5,000 cash rebate#

instant cash cash rebate of 3 months’ interest

New DBS Credit Card Customers / New Instant Cash Instalment Loan users can enjoy a cash rebate of 3 months’ interest #

Features

  • Personalised preferential interest rate1 as low as APR 1.99%2
  • Repayment period of 6 to 60 months
  • Online express approval3with no documents needed and instant cash disbursement*
    (If your application does not meet the requirements of instant approval, we will review it case-by-case and follow up with you by phone.)
  • Automatically consolidate existing DBS Credit Card Cash Instalment loan to cash out more4
instant cash Cash Instalment Loan Special Offer

Cash Instalment Loan (that is “Call-a-loan” service) Special Offer

Apply for instant cash online to enjoy a hassle free tax season. 1st in Hong Kong instant cash in any bank account*. Apply for Cash Instalment Loan online for faster cash from your credit card to enjoy up to HK$5,000 cash rebate#! Click here for more details.

Promotion Period: 1 Oct to 31 Oct 2021

"Call-a-loan" service is the product provided under Cash Instalment Loan plan.

# Cash rebate entitled by the customer depends on the cash out amount of the loan approved, Preferential APR and / or tenor of "Call-a-loan" Online Instalment Cash Service. Eligible customer will be entitled to the offer with higher cash rebate among the ""Call-a-loan" Online Instalment Cash Service get up to HK$5,000 "Cash Rebate" promotion" and the "New DBS Credit Card Customer / New Instant Cash Instalment Loan user, enjoy 3 months Interest “Cash Rebate” of the first "Call-a-loan" Instalment Cash Promotion". The following terms and conditions apply to the promotion offer:

  • Terms and Conditions for "Call-a-loan" Online Instalment Cash Service get up to HK$5,000 "Cash Rebate" promotion
  • Terms and Conditions for New DBS Credit Card Customer / New Instant Cash Instalment Loan user, enjoy 3 months Interest “Cash Rebate” of the first "Call-a-loan" Instalment Cash Promotion
  • Terms and Conditions for general promotional offer of "Call-a-loan”

*Applicable to the banks participating in Faster Payment System only. The loan amount will be instantly transferred to the recipient bank. The crediting to the recipient account will be subject to the recipient bank’s handling.

Remarks for "Call-a-loan" service:

  1. "Call-a-loan" service and the personalised preferential interest rate is only applicable to selected customers. Personalised preferential interest rate is for reference only. DBS Bank (Hong Kong) Limited reserves the right at its absolute discretion on the acceptance of application, approval of the service and determining the preferential interest rate from time to time according to different promotions. Please logon via "Apply Now" or call Application Hotline 2290 8333 to enquire for the personalised preferential interest rate and the related fee.
  2. Personalised preferential monthly flat rate as low as 0.09%, is only applicable to selected customers; monthly flat rate of 0.09%, its APR is 1.99%. The APR is calculated in accordance with the guidelines issued by the Hong Kong Monetary Authority in respect of the Code of Banking Practice.
  3. Cash will be transferred to your designated bank account immediately* for successful application. If cash transfer / application not successful, the bank will contact you within 2 working days. The Bank reserves the right to request additional documents for application approval.
  4. Final loan amount and cash out amount will be approved subject to credit card account status. System will automatically consolidate existing DBS credit card cash Instalment loan according to the status of individual DBS credit card.
  5. The application of "Call-a-loan" service should be bound by related terms and conditions. For details, please refer to the Terms and Conditions of "Call-a-loan" service or call Application Hotline 2290 8333.
  6. If you choose to pay off the "Call-a-loan" early, you are not able to save any interest because interest payable for the remaining term of the "Call-a-loan", which is embedded in the monthly instalment amount shall still be payable.

 

 
 

Revolving Loan (that is “Funds Transfer” service)

instant cash cash rebate

Enjoy up to $2,000 cash rebate^

Features

  • Personalised preferential interest rate1 as low as 3.8%2
  • Flexible repayment as low as the minimum payment of credit card monthly statement
  • Online express approval3 with no documents needed and instant cash disbursement*
    (If your application does not meet the requirements of instant approval, the bank will review it case-by-case and follow up with you by phone.)
instant cash Revolving Loan Special Offer

Revolving Loan (that is “Funds Transfer” service) Special Offer

1st in HK Instant cash in any bank account*. Apply for Revolving Loan online for faster cash from your credit card to enjoy up to HK$2,000 cash rebate^! Click here for more details.

Promotion period: 1 Oct to 31 Oct 2021

“Funds Transfer” service is the product provided under Revolving Loan plan.

^Cash rebate entitled by the customer depends on the approved loan amount (Transfer Amount), Annualized Percentage Rate (APR) and monthly statement’s Finance Charges of “Funds Transfer" Online Cash Service. The following terms and conditions apply to the promotion offer, please refer to the followings for details:

  • Terms and Conditions for "Funds Transfer" Online Cash Service get “Cash Rebate” promotion (up to HK$2,000)
  • Terms and Conditions for general promotional offer of “Funds Transfer”

*Applicable to the banks participating in Faster Payment System only. The loan amount will be instantly transferred to the recipient bank. The crediting to the recipient account will be subject to the recipient bank’s handling.

Notes for "Funds Transfer" service:

  1. "Funds Transfer" service and the personalised preferential interest rate is only applicable to selected customers. Personalised preferential interest rate is for reference only. DBS Bank (Hong Kong) Limited reserves the right at its absolute discretion on the acceptance of applications, approval of the service and determining the preferential interest rate from time to time according to different promotions. Please logon via "Apply Now" or call Application Hotline 2290 8333 to enquire for the personalised preferential interest rate and the related fee.
  2. Annual interest rate of 3.8%, its APR is 3.87%. The APR is calculated in accordance with the guidelines issued by the Hong Kong Monetary Authority in respect of the Code of Banking Practice.
  3. Cash will be transferred to your designated bank account immediately* for successful application. If cash transfer / application not successful, the bank will contact you within 2 working days. The Bank reserves the right to request additional documents for application approval.
  4. The application of "Funds Transfer" service should be bound by related terms and conditions. For details, please refer to the Terms and Conditions of "Funds Transfer" service or call our Application Hotline on 2290 8333.

 

 
 

How to Apply

  • Apply Online
  • Application Hotline: 2290 8333
 

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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