Bank
Credit Cards
Invest
Borrow
Insure
Learn
Research
ATM & Branch
You are in Personal Banking
- Personal Banking
- DBS
- Wealth Management
- DBS Treasures
- DBS Treasures Private Client
- DBS Private Bank
- DBS VICKERS SECURITIES
- DBS Vickers Online
- Institutional Banking
- SME Banking
- Corporate Banking
- DBS Group
- About DBS

DBS Black American Express^® Card

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 local and 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.

For other related Credit Card Terms & Conditions, please refer to the Bank’s website go.dbs.com/hk-cardtnc_en.

Hot offers

Think Local. Shop Small

Customers can enjoy HK$20 instant discount upon a single spending of HK$150 or above on regular-priced items or à la carte menu at participating local merchants.
Offer valid till 30 June 2023. Terms and conditions apply.
This offer is offered by American Express. Please click "Details" or visit American Express webpage for details.
Details

Privileges
DBS$ & Miles Conversion Rates	InstaRedeem Stamps Promotion	Live the World
Amex Shop Small	Card Features and Benefits

Highlights
DBS$ Recharge	8% Off Hotel Booking Offer from Expedia.com.hk	8% Off Hotel Booking from Hotels.com
Online Shopping Privileges

Rewards
Earn Rewards
DBS$ & Miles Conversion Rates

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

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.

Spending
Your spending will be shown on your Spending automatically.

Insight
Track your personal finances effectively with Budget

Budget
Track your personal finances effectively with Budget

InstaRedeem
Instant Redemption and save on your transaction

EasyPayment
Making payment to your DBS Credit Cards easier

Download DBS Card+ Now

Download now

Or click the link below to download

Apple and Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Google Play is a service mark of Google Inc.

Spending Protection & Useful Information

Shopping Protection	When 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 Protection	If 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: 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. According to the rules of relevant card association, there is no dispute right for certain transactions. 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	DBS$ Reward Scheme Terms and Conditions
Frequently Asked Questions	Credit Cards Frequently Asked Questions
DBS Personal Credit Card Terms and Conditions	DBS Personal Credit Card Terms and Conditions
Key Facts Statement	Click here for details
Fee Schedule	DBS Credit Card Fee Schedule & Annualised Percentage Rate Table
Others card features and benefits	Click here for details

Spending Protection & Useful Information

Shopping Protection	When 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 Protection	If 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: 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. According to the rules of relevant card association, there is no dispute right for certain transactions. 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	DBS$ Reward Scheme Terms and Conditions
Frequently Asked Questions	Credit Cards Frequently Asked Questions
DBS Personal Credit Card Terms and Conditions	DBS Personal Credit Card Terms and Conditions
Key Facts Statement	Click here for details
Fee Schedule	DBS Credit Card Fee Schedule & Annualised Percentage Rate Table
Others card features and benefits	Click here for details

Remarks:

For other related Credit Card Terms & Conditions, please refer to the Bank’s website go.dbs.com/hk-cardtnc_en.

How to Apply

Key Facts Statement for Credit Card Repayment Calculator

New Customer	Apply 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 application	Resume 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!

DBS Black American Express^® Card