Card Low Interest Loan and Services

Credit Card Low Interest Loan

Credit Card Cash Conversion maximises your financial flexibility with online express approval. No document required.

Successfully apply Credit Card Online Cash Conversion to get 2 months interest rebate!


Latest Offer

  • Apply “Call-a-loan” Instalment Cash Service online to enjoy extra cash rebate up to $1,500 ! 8

Promotion Period

  • 1/10/2017 - 31/10/2017

Plan 1
"Call-a-loan" Instalment Cash Service

  • Personalised preferential monthly flat rate1 as low as 0.17%2
  • 6 to 60 months repayment period
  • No document is required and online express approval7

Plan 2
"Funds Transfer" Flexi Cash Service

  • Personalised preferential annual interest rate4 as low as 5.8%5
  • Flexible repayment as low as the minimum payment of credit card monthly statement
  • No document is required and online express approval7


Notes 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 8222 to enquire for the personalised preferential interest rate and the related fee.
  2. Personalised preferential monthly flat rate as low as 0.17%, is only applicable to selected customers; Monthly flat rate of 0.17%, its annualised percentage rate is 3.88%. The Annualised Percentage Rate (APR) is calculated in accordance with the guidelines issued by the Hong Kong Monetary Authority in respect of the Code of Banking Practice.
  3. 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 8222.

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 8222 to enquire for the personalised preferential interest rate and the related fee.
  2. Annual interest rate of 5.8%, its annualised percentage rate is 5.96%. The Annualised Percentage Rate (APR) is calculated in accordance with the guidelines issued by the Hong Kong Monetary Authority in respect of the Code of Banking Practice.
  3. 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 Application Hotline 2290 8222.

Notes for "DBS Credit Card Online Cash Conversion":

  1. Cash will be deposited to your designated account within 2 working days for successful application. Otherwise, the bank will contact you within 2 working days. The Bank reserves the right to request additional documents for application approval.
  2. Cash rebate entitled by the customer depends on the approved loan amount and tenor of "Call-a-loan" Online Instalment Cash Service. For example, customer successfully applied "Call-a-loan" via Online Instalment Cash Service as the first time online application with approved loan amount of HK$300,000 and tenor 18 months, could enjoy total HK$1500 cash rebate. The following terms and conditions apply to the promotion offer, please refer to the followings for details:
    • Terms and Conditions for "Call-a-loan" Online Instalment Cash Service get “1% standard cash rebate of Approved Loan Amount” promotion (up to HK$500)
    • Terms and Conditions for "Call-a-loan" Online Instalment Cash Service get “Extra cash rebate” promotion (up to HK$800)
    • Terms and Conditions for "Call-a-loan" Online Instalment Cash Service get “HK$200 cash rebate for new online Cash Service User” promotion (up to HK$200)
    • Terms and Conditions for general promotional offer

Terms and Conditions for "Call-a-loan" Online Instalment Cash Service get “1% standard cash rebate of Approved Loan Amount” Promotion

  1. Promotional period of DBS Credit Card "Call-a-loan" Online Instalment Cash Service get “1% standard cash rebate of Approved Loan Amount” Promotion ("Promotion") already stated/printed as above (both dates inclusive) ("Promotion Period").
  2. During the Promotion Period, cardholder who has successfully applied "Call-a-loan" ("Loan") Online with DBS Credit Card/COMPASS VISA and with number of Instalments of 18 months or above, can enjoy 1% cash rebate ("Rebate") on approved loan amount. During the Promotion Period, maximum Rebate amount under this Promotion is HK$500.

Terms and Conditions for "Call-a-loan" Online Instalment Cash Service get “Extra cash rebate” Promotion

  1. Promotional period of DBS Credit Card "Call-a-loan" Online Instalment Cash Service get “Extra cash rebate” Promotion ("Promotion") already stated/printed as above (both dates inclusive) ("Promotion Period").
  2. During the Promotion Period, cardholder who has successfully applied "Call-a-loan" ("Loan") Online with DBS Credit Card/COMPASS VISA and with approved loan amount and number of Instalments fulfilling the requirement below, can enjoy respective extra cash rebate ("Extra Cash Rebate"). During the Promotion Period, maximum Extra Cash Rebate amount under this Promotion is HK$800.

    Approved Loan Amount
    Number of Instalments
    Extra Cash Rebate
    HK$50,000 – HK$79,999
    18 months or above
    HK$100
    HK$80,000 – HK$149,999
    HK$200
    HK$150,000 – HK$299,999
    HK$500
    HK$300,000 or above
    HK$800

Terms and Conditions for "Call-a-loan" Online Instalment Cash Service get “$200 cash rebate for new online Cash Service User” promotion

  1. Promotional period of DBS Credit Card "Call-a-loan" Online Instalment Cash Service get “$200 cash rebate for new online Cash Service User” Promotion ("Promotion") already stated/printed as above (both dates inclusive) ("Promotion Period").
  2. During the Promotion Period, cardholder who successfully applied "Call-a-loan" ("Loan") Online with DBS Credit Card/COMPASS VISA as the first time online application with approved loan amount of HK$30,000 or above AND number of Instalments of 18 months or above, can enjoy HK$200 cash rebate ("Rebate"). During the Promotion Period, maximum Rebate amount under this Promotion is HK$200. The offer is NOT applicable to customer who has online applied "Call-a-loan"/ "Funds Transfer" service before the Promotion Period.

Terms and Conditions for general promotional offer

  1. Definition of Online Cash Service / Loan application : Refer to "Call-a-loan"/ "Funds Transfer" service applied via "DBS Credit Card Online Cash Conversion" website (www.dbs.com/hk/cardloan) OR via Omni iD login DBS Omni / DBS Omni web version (cards.dbs.com.hk)
  2. "Loan Amount" and "Number of Instalments" is stated on the "Call-a-loan" service application approval letter.  Any other or additional interest and charges shall not be counted. When calculating the entitlement to Rebate and Extra Cash Rebate, the amount will be rounded to the nearest dollar. 
  3. Rebate and Extra Cash Rebate will be credited to the credit card account with the approved Call-a-loan within 2 months after the promotion end date and shown in the monthly statement. Rebate and Extra Cash Rebate are not redeemable for cash and cannot be used to offset or settle the minimum payment of monthly statement.
  4. Promotion is only applicable to cardholder whose credit card account is in good standing and remains valid and not in default upon the Rebate and Extra Cash Rebate are credited. If cardholder early repays the approved loan, the Bank reserves the right to terminate the Promotion and/or deduct the value of any rebate awarded from any of the cardholder's account(s) without prior notice. In case of disputes, decision of the Bank shall be final and binding.
Reminder: To borrow or not to borrow? Borrow only if you can repay!

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