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.
Play by your own rules! 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!
New Customers ^ who successfully apply DBS Live Fresh Card by 3 July 2022 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*:
$1,000 “InstaRedeem” Amount
HK$300 “InstaRedeem” amount ONCE at the first stage : complete a single retail transaction of HK$300 or above within 3 months from the date of issuance of the New Card
Second stage, the “InstaRedeem” amount will be sub-divided into two times of HK$350 and will start to push to the New Customers in the 5th calendar month from the calendar month of the card issuance date, provided the New Customers have fulfilled the Spending Requirement. "InstaRedeem" amount will be automatically pushed to the eligible New Customers When they complete single retail transactions of HK$350 or above, while one of the transactions must be online transaction with amount of HK$350 or above.
Spending requirement: HK$6,800 within 3 months from the new card issuance date
HK$1,000 Home+ Rewards
Includes: $600 Home+ eCoupon and $400 Home+ Promo Code
Spending requirement: HK$4,800 or above within 3 months from the new card issuance date
HK$1,000 Klook Rewards
$600 Klook Gift Card
$400 Staycation Coupons
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
New Customer^ apply for DBS Credit Card can also enjoy the following double welcome offer：
3 Free Trials for Flexi Shopping
3 months Interest Cash Rebate for Instant Cash Instalment Loan
Remarks: ^ 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. **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.
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.
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.
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.
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!