DBS COMPASS VISA

    DBS COMPASS VISA

    Successfully apply to enjoy HK$400
    Local Supermarket "InstaRedeem Amount"

      DBS COMPASS VISA

      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

      Details
      Overseas Online Merchants Up to HK$150 InstaRedeem discount
      Overseas Online Merchants Up to HK$150 InstaRedeem discount      		 pandamart up to 25% off
      pandamart up to 25% off
      (Wednesday exclusive)      		 InstaRedeem 8% off
      6 major consumer spending categories
      8% "InstaRedeem“ Discount
      1% COMPASS Dollar rebate
      Unlimited up to
      1% COMPASS Dollar rebate      		 PARKnSHOP offer
      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 Jan 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*:

      HK$400 Local supermarket “InstaRedeem” Amount

      HK$400 Local Supermarket “InstaRedeem” Amount

       
      New Customer
      “InstaRedeem” amount will be pushed automatically to the eligible New Customer after the eligible New Customer has completed a spending transaction with amount in excess of HK$400 at local supermarkets#.

      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.
       

      Double Rewards 

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

      3-Times Free Trial for Flexi Shopping

      3 Free Trials of Flexi Shopping

      		  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





      Remarks:

      ^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 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.

       

      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+
      Spending
      Spending
      Insight
      Insight
      Budget
      Budget
      InstaRedeem
      InstaRedeem
      EasyPayment
      EasyPayment
      Learn More
       

      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!

      Topics

      Cards

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