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.

The DBS Live Fresh Card lets you turn every day into fresh new experiences. Taste into new cuisines, discover amazing hangouts around the corner or around the world, reinvent your style and more – all while earning rewards your way! Best of all, be rewarded with 6% cash boost# for your online spending. Play by your own rules!


Welcome Offer

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

Welcome offer

$600 “InstaRedeem” Amount

New Customer
  • “InstaRedeem” Amount will be sub-divided into 2 times of HK$300
  • Complete two single retail transactions of HK$300 or above within 3 months from the card issuance date
  • One of the transactions must be online transaction with amount of HK$300 or above
  • Spending requirement: HK$4,800 within 3 months from the new card issuance date


Welcome offer

HK$1,000 Klook Rewards

Welcome offer

$600 Klook Gift Card x 1 pc


Welcome offer

$100 Klook Hot Coupon x 4pcs


  • 2x HK$100 coupon for ALL products (min. spend HK$2,000)
  • 1x HK$100 coupon for Hotel booking (min. spend HK$1,500)
  • 1 x HK$100 coupon for car rental (min. spend HK$2,000)


New Customer
Spending requirement: HK$4,800 / HK$1,800 (Applicable to applicant uses the application form for tertiary student) or above within 3 months from the new card issuance date


Welcome offer

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^ apply for DBS Credit Card can also enjoy the following welcome offer:

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

How to Apply

# Calculated based on 1% rebate on online foreign currency spending plus extra 5% rebate on “Reward of Your Choice” spending category.
^ New Customers shall mean applicants who, during the new card approval process have not applied for, do not currently hold, or in the12 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 us.

* New Customers must download DBS Card+, register and activate DBS Card+ account within 1 month from the new card issuance date in order to be eligible for the welcome gift and extra welcome gift.
**Credit card application may not be approved instantly through DBS Card+ for respective 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 gift is subject to 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.



Live Fresh! Live Green

Live Fresh! Live Green!

Enjoy “Fresh” offers and contribute to the sustainable development at the same time!

Learn More

5% rebate

5% Cash Boost Reward of Your Choice

Learn More

1% rebate

1% Unlimited Cash Rebate for Online Spending in foreign currencies

Learn More

Flexi shopping

Flexi Shopping 10 times Free Trials

Learn More


Up to a 90-day Interest-free Repayment Period for Travel, Overseas & Online Spending

Learn More


What's Hot

Stampcard promo

"InstaRedeem" Stamps Promotion

Learn More

Year-round offers

DBS Credit Cards Year Round Treats

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.

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!

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