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 2X DBS$+ (HK$6 = 1 mile) on local spending and 3X DBS$+ (HK$4 = 1 mile) on overseas spending, plus a host of travel perks.

Remarks:
+ For details of 2X and 3X DBS$, please refer to the web page of DBS$ Reward Scheme and DBS$ Reward Scheme Terms and Conditions. Please click here for details.
Starting from 28 August 2019, all newly issued, renewed or replaced Mastercard will be equipped with Mastercard contactless payment function.

 

Welcome Offer

New customers^ who successfully apply DBS Black World Mastercard® by 2 October 2022 can enjoy the first year annual fee waiver and the following fabulous welcome gifts, upon spending with the new card in the first 2 months and activating DBS Card+ account*:

80000 miles

Spending Condition

Miles Conversion Rate


Local Spending

First HK$5,000

HK$0.5 = 1 mile~

Thereafter

HK$4 = 1 mile#

Total accumulated miles rewards

80,000 miles (i.e. DBS$3,840)

 
 

Double Welcome Offer

New Customer# apply for DBS Credit Card can also enjoy the following double welcome offer:

3-Times Free Trial for Flexi Shopping
3 Free Trials for Flexi Shopping
Card Issued in Minutes** Instant Cash Out 6 months Interest Cash Rebate for Instant Cash – Cash Instalment Loan
Card Issued in Minutes**
Instant Cash Out

6 months Interest Cash Rebate for Instant Cash – Cash Instalment Loan

#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 COMPASS VISA credit cards) issued by the Bank.

 

How to Apply




Remarks:

 

**Credit card application may not be approved instantly through DBS Card+ for some individual reasons. The Bank may request other documents from you, like address proof and income proof, for application approval. The credit card application is subject to the Bank’s final approval.




Remarks:

^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) issued by the Bank.

*New Customer must download DBS Card+, register and activate DBS Card+ account within 1 months of the New Card issuance date in order to be eligible to the Welcome Gift.

~Capped at HK$5,000; upper limit is 10,000 miles (inclusive of Basic Rewards).

#Capped at HK$280,000; upper limit is 70,000 miles (inclusive of Basic Rewards).

**Credit card application may not be approved instantly through DBS Card+ for some individual reasons. The Bank may request other documents from you, like address proof and income proof, for application approval. The credit card application is subject to the Bank’s final approval.

Welcome Offer is subject to Welcome Offer Terms and Conditions.

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


The online application will not be processed in real time and is not for urgent submission of information. Should you have any enquiry, please contact our 24-hour hotline at (852) 2290 8888.

 

Privileges

Mastercard Airport Experiences Provided by LoungeKey Mastercard Airport Experiences Provided by LoungeKey

Learn More

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

Learn More

Exclusive 45% Off iGO Rewards Redemption Exclusive 45% Off iGO Rewards Redemption

Learn More

Priceless Hong Kong Priceless Hong Kong

Learn More

Card Features and Benefits; Card Features and Benefits

Learn More

 

Highlights

What's Hot

HKTaxi InstaRedeem
HKTaxi "InstaRedeem" Offer
InstaRedeem 20% off on Online Spending
InstaRedeem 20% off on Online Spending
20% Off Cash Rebate Redemption
20% Off Cash Rebate Redemption
DBS$ Recharge
DBS$ Recharge
   

 

Travel Privileges

Up to 12% Off Hotel Booking Offer from Expedia.com.hk
Up to 12% Off Hotel Booking Offer from Expedia.com.hk
8% Off Hotel Booking from Hotels.com
12% Off on Hotel Booking from Hotels.com
Up to 10% Off Hotel Booking from Agoda.com
Up to 10% Off Hotel Booking from Agoda.com
Klook InstaRedeem
Klook "InstaRedeem" Offer
InstaRedeem 30% off at Travel Merchants
InstaRedeem 20% off at Travel Merchants

 

 

Other Privileges

Online Shopping Privileges
Online Shopping Privileges
e-Commerce Protection
e-Commerce Protection

 
 
 

Rewards

Earn Rewards

DBS$ & Miles Conversion Rates

DBS$ & Miles Conversion Rates

Learn More


Redeem Rewards

Exclusive 45% Off iGO Rewards Redemption iGO Rewards

Exclusive 45% Off iGO Rewards Redemption iGO Rewards

Learn More

Asia Miles instant conversion

Instant redemption & conversion of Asia Miles

Learn More

Redeem Avios

Redeem British Airways Executive Club's Avios, handling fee waived

Learn More

Redeem KrisFlyer

Redeem Singapore Airlines' KrisFlyer, handling fee waived

Learn More

Redeem Phoneix miles

Redeem Air China's PhoenixMiles, handling fee waived

Learn More

Instant redemption with DBS$

Instant redemption with DBS$ at any merchants round the globe

Learn More

InstaRedeem upgraded offers

InstaRedeem upgraded offers

Learn More

eSHOP

Redeem a range of rewards with DBS$ earned

Learn More

 

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 Omni
Register Card+
Spending
Spending
Insight
Insight
Budget
Budget
InstaRedeem
InstaRedeem
EasyPayment
EasyPayment

Download DBS Card+ Now

Download Now

Or click the link below to download


 
 

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:
  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 Statement Click here for details
Fee Schedule
Others card features and benefits Click here for details

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!

Topics

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