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Manulife Credit Card

Take advantage of exclusive privileges while you protect yourself and your loved ones.

Key Features and Benefits

  • Free credit shield protection
  • Overseas spending up to 3-time DBS$
  • DBS$ Reward Scheme
  • Convenient autopay of monthly premium plus bonus offers
  • Waivers and discounts on annual fee

Manulife Platinum Exclusive Benefits

Successfully apply on or before 31 December 2017 to enjoy below welcome gift.


HK$200 Park'n Shop Coupon

Welcome offer Terms and Conditions apply

Should there be any discrepancy between the English and Chinese versions of these terms and conditions, the English version shall prevail.

Free Credit Shield ProtectionAny outstanding balance will be waived in full upon total disablement or death to lessen the burden on your family and relatives. In the event you suffer a temporary disablement, the minimum amount due will be waived while you are recovering.
Remarks: Applicable to principal cardholders only. For details and limits of coverage, please refer to the specific terms and conditions under respective insurance plan.
Overseas Spending up to 3-time DBS$*When you travel overseas with your DBS Manulife Platinum MasterCard, whether for business or pleasure, you can earn triple DBS$ on all your overseas spending.
DBS$ Reward SchemeClick here for details
Convenient Autopay of Monthly Premium Plus Bonus OffersDebit your Manulife individual insurance monthly premium automatically from your Manulife Credit Card account and earn DBS$. For more information, please contact your Manulife Insurance Advisor.
Remarks: Autopay insurance premium service is not applicable to investment-linked products.
Annual Fee Wavier with DBS$If there are sufficient bonus points retained upon the expiry date of DBS$, you will be entitled to the wavier of the next annual or half-year fee automatically for your Credit Card.
Waivers and Discounts on Annual FeeYour first 3-year annual fee will be waived upon successful application. You will also enjoy 25% discount on subsequent annual fee payments.
Manulife Platinum Exclusive BenefitsWorldwide Merchant Offers with Platinum MasterCard MomentsTM
Worldwide Concierge Services
  • Medical and legal assistance
  • Travel Assistance
  • Worldwide restaurants, hotels reservation and car rental service
  • Entertainment information and reservation
  • Gift suggestions and purchase
  • Business assistance and translation referral, etc
VISA Platinum 24-hour Concierge Services Hotline: 800 900 781
MasterCard Platinum 24-hour Concierge Services Hotline: (852) 2861 9291
*Services are subject to the final approval of DBS Bank (Hong Kong)
"Overseas Triple DBS$" Terms and Conditions
  1. Definition of overseas spending is that the retail transaction must be incurred overseas and in foreign currency. Hong Kong Dollars and Macau currency transactions are not eligible.
  2. Dynamic currency conversion gives you the option to settle any overseas transactions in either foreign currencies or HK dollars. However, once you have made your choice, the selected currency is final. If you choose to settle the transaction in HK dollars, it cannot enjoy any overseas spending extra rewards.
  3. Terms and Conditions of DBS Credit Card DBS$ Reward Scheme apply.
  4. DBS Bank (Hong Kong) Limited reserves the right to cancel or change the Terms and Conditions without prior notice.

Manulife Credit Card is available to Hong Kong residents with an annual income of HKD150,000 or above.

Successful applicant will enjoy first 3-year annual fee waiver. If your application does not meet the minimum annual income requirement, it may be considered as a Classic Card application (annual income requirement for Classic Card application is HKD60,000). All of your personal credit card accounts (including supplementary card accounts) will share on overall credit limit.

Shopping ProtectionWhen you encounter situation(s) such as having received damaged or defective goods, or the goods or services being not matched with what was described, or not having received the goods or services ordered, you should contact the merchant which sold you the goods or services immediately and resolve any complaints about such goods or services directly with the merchant.  If you cannot resolve the matter with the merchant or are unable to contact the merchant because it has ceased business, you can contact us for assisting you to dispute the transaction through the chargeback mechanism provided by the relevant card association.

The chargeback mechanism is a form of customer protection provided by the relevant card association which allows cardholder to file a complaint regarding disputed transactions.  Once the cardholder files a dispute, the card issuing bank will conduct an investigation into the complaint by requesting the concerned merchant to submit proof through its bank (“card acquiring bank”).  Once the chargeback request is proven to be valid, the card acquiring bank will refund the disputed transaction amount to the cardholder via the card issuing bank. Cardholder may be charged with a processing fee by the relevant card association in certain circumstances.

Examples of chargeback:

  • Cardholder did not receive the goods or services he/she paid for due to closure of the merchant
  • Cardholder returned the purchased goods but did not get the refund from the merchant within the agreed timeframe
  • Cardholder cancelled the subscribed services but merchant continues to charge for recurrent payments

Cardholder should pay special attention to the chargeback time limit, and submit before expiry of the time limit the chargeback request together with the relevant supporting documents to the card issuing bank for processing. For more details, please refer to Help & Support > Dispute transaction.

Important Note:
The chargeback mechanism is not applicable to purchases with credit cards through the use of Card Interest-Free Instalment Loan offered by us.

Fraud Transaction ProtectionIf you find any doubtful or unauthorized transactions in your statement, call our DBS Credit Card 24-hour Customer Services Hotline at (852) 2290 8888 immediately. Upon receipt of your request; on a case-by-case basis subject to our approval, we may withhold your payment of the relevant transaction until an investigation is concluded . However, please note that if it is found to be a valid transaction after investigation, we shall re-impose the applicable finance charges for the period starting from the date when the relevant transaction should have been paid.

Important Notes:
  1. You should report the doubtful or unauthorized transaction(s) on any statements to us within 60 days after the relevant statement date , otherwise you shall be deemed to have accepted such transactions and any dispute requests subsequently raised may be declined.
  2. According to the rules of relevant card association, there is no dispute right for certain transactions.
  3. Use of your credit card shall always be subject to DBS Personal Credit Card Terms and Conditions, DBS$ / COMPASS CARD Reward Scheme Terms and Conditions and DBS$ / COMPASS Dollar Redemption Offer Terms and Conditions.
Frequently Asked Questions
DBS Personal Credit Card Terms and Conditions
Key Facts StatementClick here for details
Fee Schedule
Others card features and benefitsClick here for details
Other ServicesClick here for details

How to Apply

Personal Information Collection (PIC)

DBS Bank (Hong Kong) Limited safeguards your data in accordance with applicable Hong Kong laws.

We only use the data we collect in accordance with our Data Policy which explains the data collection purposes, the persons to whom we may transfer data, your data access and correction rights and how you may contact our Data Protection Officer.

Reminder: To borrow or not to borrow? Borrow only if you can repay!

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