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.


Privileges for Everyday Spending

Super Wednesday

Super Wednesday Upgraded Offer
InstaRedeem 10% off on Local Supermarket, Taobao or Tmall Spending


InstaRedeem 8% off
6 major consumer spending categories
8% "InstaRedeem“ Discount
1% COMPASS Dollar rebate
Unlimited up to
1% COMPASS Dollar rebate
Designated Merchant Offer
(Surprise offer)
Watsons offer
Designated Merchant Offer
(Surprise offer)

Welcome Offer

New Customers^ who successfully apply for DBS COMPASS VISA by 2 Apr 2023 can enjoy the first year annual fee waiver and the following fabulous welcome gift, upon spending with the new card in the first 3 months and activating DBS Card+ account in the first month*:

Mahjong (black)

DBS COMPASS VISA Mahjong Set (Limited Edition) – Black

New Customer
  • Each tile (36x27x21mm) is designed in black, with the words “DBS COMPASS VISA” and logo engraved on the back
  • Each mahjong set comprises 144 tiles, 4 spare tiles, 3 dice and 1 spinner dice
  • The mahjong case is sturdy, light and easy to carry

Spending requirement: HK$6,800 or above within 3 months from the New Card issuance date


Mahjong (gold)

DBS COMPASS VISA Mahjong Set (Vintage Edition) – Gold

New Customer
  • Each tile (36x27x21mm) is designed in gold, with the words “DBS COMPASS VISA” and logo engraved on the back
  • Each mahjong set comprises 144 tiles, 4 spare tiles, 3 dice and 1 spinner dice
  • The mahjong case is sturdy, light and easy to carry

Spending requirement: HK$6,800 or above within 3 months from the New Card issuance date


HK$500 Local Supermarket or Taobao InstaRedeem Amount

HK$500 Local Supermarket or Taobao “InstaRedeem” Amount

New Customer
New Customers must download DBS Card+ app, register and activate DBS Card+ account within 1 month of the New Card issuance date. “InstaRedeem” amount will be sub-divided into 2 times (HK$250 each time) and pushed automatically to the eligible New Customer after the eligible New Customer has completed a spending transaction with amount in excess of HK$250 at local supermarkets* or Taobao.

Spending requirement: HK$4,800 or above within 3 months from the New Card issuance date

* The definition of local supermarkets refers to the merchant codes and transaction types as defined by VISA or a merchant's acquiring, and is determined by the bank at its sole discretion.


HK$200 cash rebate

HK$200 Cash Rebate

Spending requirement: Successfully apply 12-month or above Flexi Shopping Programme with New Card within 3 months from the new card issuance date, no amount requirement


New Customer^ who apply for DBS Credit Card can also enjoy the following reward:

 3 months Interest Cash Rebate for Instant Cash Instalment Loan

Card Issued in Minutes**
Instant Cash Out

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


How to Apply


^Unless otherwise specified, the Welcome Offer is applicable to “New Customers”. 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) issued by the Bank.

* New Customers are required to download DBS Card+, register and activate DBS Card+ account within 1 month of the New Card issuance date.

** 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 bounded by the Welcome Offer Terms and Conditions

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

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.


Other Offers

Redeem trendy gadgets at eSHOP with COMPASS Dollar Redeem cool gadgets at eSHOP with COMPASS Dollar

Learn More

Flexi Shopping – Interest-Free Instalment Flexi Shopping – Interest-Free Instalment

Learn More

Equipped with Visa payWave, Enjoy the ease of cashless payment Equipped with Visa payWave, enjoy the ease of cashless payment

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+

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.
Superior Line of Credit

DBS COMPASS VISA offers you generous spending limits for maximum financial flexibility. You may also request for an instant temporary credit limit increase* anytime you want.

Please download and complete the Credit Card Line Increase/Reduction Request Form and return to us with copy of your current income proof via fax to (852) 2235 5901.

*Not applicable to cash advance and subject to final approval of DBS Bank (Hong Kong) Limited

VISA Plus Global Service You can withdraw local currencies anywhere in the world through ATMs bearing the logo plus logo from your pre-registered DBS Bank HKD Savings or Current Account with your DBS COMPASS VISA*
*A HK$25 handling fee applies for each transaction made and details will be recorded in your passbook or bank statement.
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

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!


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