For Key Facts Statement for Credit Card, please click here

For Repayment Calculator, please click here. You can use the Repayment Calculator to work out the number of months and total cost involved in paying a balance in full by making only minimum payment.

We are all travel addicts. That’s why we offer you 3X DBS$# (HK$6 = 1 mile) on local and overseas spending, plus a host of travel perks.

Remarks: Starting from 12 September 2019, all newly issued, renewed or replaced American Express credit card will be equipped with contactless payment function.


Welcome Offer

New customers^ who successfully apply DBS Black American Express Card by 31 March 2021 can enjoy the first year annual fee waiver and fabulous welcome offer, upon spending with the new card and activating DBS Card+ account* in the first month:

10% Cash Rebate

New Customer
The eligible New Customers will be entitled to 10% Cash Rebate upon conducting HK5,000 or above of the posted retail transaction with the New Card within 2 months from the New Card issuance date.

Existing Customers^ who successfully apply DBS Black American Express Card by 31 March 2021 can enjoy the first year annual fee waiver and the following fabulous welcome gifts, upon spending with the new card in the first 4 calendar months and activating DBS Card+ account in the first month:

Up to HK$200 “InstaRedeem” Amount


“InstaRedeem” Amount will be sub-divided into 4 times (HK$50 each time) and pushed automatically to the eligible Existing Customer once per calendar month after the eligible Existing Customer has completed Spending transaction with amount of HK$50 or above.


Key Facts Statement for Credit CardRepayment Calculator
New CustomerApply now
Current DBS Cardholder (Only applicable to existing principal cardholders who have no change of mobile phone number, home address, nationality or other information)Apply now
Resume your applicationResume application

# For details of 3X DBS$, please refer to the web page of DBS$ Reward Scheme and DBS$ Reward Scheme Terms and Conditions. Please click here for details.
* New Customer and Existing Customer must download DBS Card+, register and activate DBS Card+ account within 1 months of the new card issuance date to enjoy the welcome offer.
^ “New Customers” shall mean applicants who, during the New Card approval process have not applied for, do not currently hold, or in the 12 months prior to the date of application for the New Card, have not held and/or cancelled any principal credit cards (including co-branded cards and/or DBS COMPASS VISA) issued by the Bank. “Existing Customers” shall mean applicants who are not New Customers.

Welcome Offer is subject to Welcome Offer Terms and Conditions.

For other related Credit Card Terms & Conditions, please refer to the Bank’s website



DBS$ & Miles Conversion RatesComplimentary Newspaper/Magazine Redemption at AirportAirport Limousine Transfer Service
Live the WorldAmex Love LocalCard Features and Benefits


DBS Black American Express® Card Up to 6X DBS$ Offer
DBS Black American Express® Card Up to 6X DBS$ Offer
DBS$ Recharge
DBS$ Recharge
10% Off Hotel Booking Offer from
Up to 9% Off Hotel Booking Offer from
8% Off Hotel Booking from
8% Off Hotel Booking from
7% Off Hotel Booking Offer from
7% Off Hotel Booking Offer from
Up to 5% Off Travel Products from KLOOK
5% Off Travel Products from KLOOK
Online Shopping Privileges
Online Shopping Privileges

DBS Card+

Introducing the brand new DBS Card+ mobile app, the perfect companion for your DBS Credit Cards. Download and experience four ‘first-in-market’ innovations that will revolutionalise the way you use your credit cards.

Register Card+

Your spending will be shown on your timeline automatically.

Track your personal finances effectively with Budget

Track your personal finances effectively with Budget

Instant Redemption and save on your transaction

Making payment to your DBS Credit Cards easier

Download DBS Card+:




Earn Rewards

DBS$ & Miles Conversion Rates
DBS$ & Miles Conversion Rates

Redeem Rewards

iGO Rewards
iGO Rewards
Asia Miles instant conversion
Instant redemption & conversion of Asia Miles
Redeem Avios
Redeem British Airways Executive Club's Avios, handling fee waived
Redeem KrisFlyer
Redeem Singapore Airlines' KrisFlyer, handling fee waived
Redeem Phoneix miles
Redeem Air China's PhoenixMiles, handling fee waived
Instant redemption with DBS$
Instant redemption with DBS$ at any merchants round the globe
InstaRedeem upgraded offers
InstaRedeem upgraded offers
Redeem a range of rewards with DBS$ earned

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.

24-hour Emergency Card Replacement

In the event that DBS Black Card is stolen, damaged or lost in Hong Kong, please call 24-hour Customer Service Hotline (852) 2290 8888 and we will provide a replacement card by the next business day within Hong Kong.
Remark: Related administration fee will be charged to cardholder.

DBS Black Card DBS$ Conversion Rates

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

How to Apply

Key Facts Statement for Credit Card Repayment Calculator
New CustomerApply Now
Current DBS Cardholder (Only applicable to existing principal cardholder who has no change of mobile phone number, home address, nationality or other information)Apply Now
Resume your applicationResume application


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

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.

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!


Thank you. Your feedback will help us serve you better.

Was this information useful ?

Thank you for your feedback
Let us know how this article helped:
We're sorry to hear that.
How can we do better?
Please enter only letters, numbers, @!$&-()',./