DBS Live Fresh Card

DBS Live Fresh Card

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.

At a Glance

Up to HK$400 Welcome Offer

Up to 6% cash rebate

Flexi Shopping 10 times Free Trials

Apply now

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Rewards up to HK$400 or HK$250 (applicable to tertiary student’s applicant only) *
	HK$300 InstaRedeem* OR HK$150 InstaRedeem (applicable to tertiary student’s applicant only)* What is InstaRedeem?
	Extra HK$100 cash rebate for reloading Octopus via the Octopus Automatic Add-Value Services Services or making eligible spending via PayMe, WeChat Pay or Alipay*
	Enjoy a first-year annual fee waiver

Existing Customers^{^}

HK$50 InstaRedeem*

What is InstaRedeem?

Features & Privileges


	Low Carbon Rewards Programme – Enjoy up to HK$240 InstaRedeem! Embark on a low-carbon journey to reduce our environmental impact and pave the way for a more sustainable future. Learn more
	5% Cash Boost Reward of Your Choice Learn more
	1% Unlimited Cash Rebate for Online Spending in foreign currencies Learn more
	Flexi Shopping 10 times Free Trials Learn more
	Up to a 90-day Interest-free Repayment Period for Travel, Overseas & Online Spending Learn more

Eligibility & Fees


	Low Carbon Rewards Programme – Enjoy up to HK$240 InstaRedeem! Embark on a low-carbon journey to reduce our environmental impact and pave the way for a more sustainable future. Learn more
	5% Cash Boost Reward of Your Choice Learn more
	1% Unlimited Cash Rebate for Online Spending in foreign currencies Learn more
	Flexi Shopping 10 times Free Trials Learn more
	Up to a 90-day Interest-free Repayment Period for Travel, Overseas & Online Spending Learn more

Apply now

Key Facts Statement | Repayment Calculator

How to Get Your Card?

New Customer or Existing Customer applies DBS Credit Cards in a faster and more convenience way through DBS Card+!

Download & Apply Now ^**

^**Credit card application may not be approved instantly through DBS Card+ app 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.

New Customer?
Apply on browser now
(For tertiary student, please apply via DBS Card+)

Apply now

Current DBS Cardholder?
Applicable to existing principal cardholders who have no change of mobile phone number, home address, nationality or other information

Apply now

Have an ongoing application?

Resume application

Applied already?
Check the application status now

Check Status

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.

Useful link

DBS$ reward scheme

Pay & Transfer Function

Temporarily increase credit limit

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Frequently Asked Questions

What documents required for principal credit card application?

You need to prepare the required documents, e.g the copy of identity document, address proof and income proof etc. to apply principal credit card.

For principal credit card application, you need to fulfill the requirements as below:

Meet minimum annual income requirement of each credit card
Prepare the required application document as follows
There is no limit on the number of cards you may apply for. For each credit card, you may apply for up to 6 supplementary cards.

Note:

For applicants who are not holders of HK permanent ID card, please provide copies of HKID card and valid passport/travel document.

Required principal credit card application document:

Fixed Income Earner

HK Permanent Identity Card of principal card applicants
Latest home address proof issued within the last 6 months (e.g. electricity bill, rate bill, bank statements, e-statement is acceptable). If you have a permanent home address, please also attach the permanent home address proof
Latest 1 month’s computer generated Payroll Advices; or Latest 1 month’s bank statement/passbook showing your name, account number and salary entries; or Full set of latest Salaries Tax Demand Not

Non fixed Income Earner

HK Permanent Identity Card of principal card applicants
Latest home address proof issued within the last 6 months (e.g. electricity bill, rate bill, bank statements, e-statement is acceptable). If you have a permanent home address, please also attach the permanent home address proof
Latest 1 month’s computer generated Payroll Advices (basic salary entries have to be shown on Payroll Advices, otherwise, please provide the latest 3 months’ record.); or Latest 3 month’s bank statement/passbook showing your name, account number and salary entries

Self-employed Group

HK Permanent Identity Card of principal card applicants
Latest home address proof issued within the last 6 months (e.g. electricity bill, rate bill, bank statements, e-statement is acceptable). If you have a permanent home address, please also attach the permanent home address proof
Business Registration Certificate and Full set of latest Profits Tax Demand Note and Latest 3 months’ bank statement/passbook showing your company name, account number and transaction entries

Non-working Group

HK Permanent Identity Card of principal card applicants
Latest home address proof issued within the last 6 months (e.g. electricity bill, rate bill, bank statements, e-statement is acceptable). If you have a permanent home address, please also attach the permanent home address proof
Latest Fixed Deposit Advice or Investment Statement issued by bank

For selection of below plans application, please submit additional documents

"Funds Transfer" Programme / "Call-a-loan" Service

Photocopy of the bank statement (except online statement) or first page of passbook of HKD current / savings account showing the bank name, your name and account number to which the transfer amount of the "Funds Transfer" Programme/loan amount of the "Call-a-loan" Service is transferred (joint account will not be accepted)

Where can I check application status or submit missing credit card application documents?

Application Status

You can check your application status online and we will send you email notification upon the approval of your credit card application.

You can check your application status here.

You will get email notification upon the approval of application

Submit Documents

You can submit the missing documents online after you submit your credit card application.

You can submit your missing documents through the following ways:

Online (Highly recommended)

Click here to submit the documents online

Branch

You can find the DBS branch nearby and submit the documents to the branch staff.

What is the eligible spending to earn Cash rebate?

Eligible spending refers to all posted retail purchase transactions with official payment records at any points of sales (either physical or online) of merchants.

Online foreign currency retail spending HK$250 = HK$2.5 cash rebate
Local retail spending HK$250 = HK$1 cash rebate

How can I check cash rebate amount?

You can check cash rebate earned in your eStatement/ Statement.

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.

Spending

Insight

Budget

InstaRedeem

EasyPaymentLearn More

Download DBS Card+ Now

Download Now

Or click the link below to download

Spending Protection & Useful Information

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: 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.
DBS$ Reward Scheme	DBS$ Reward Scheme Terms and Conditions
Frequently Asked Questions	Credit Cards Frequently Asked Questions
DBS Personal Credit Card Terms and Conditions	DBS Personal Credit Card Terms and Conditions
Key Facts Statement	Click here for details
Fee Schedule	DBS Credit Card Fee Schedule & Annualised Percentage Rate Table
Others card features and benefits	Click here for details

Remarks:
^# 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 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. “Existing Customers" shall mean applicants who, during the New Card approval process have applied for, currently hold, or in the 12 months prior to the date of application for the New Card, have held and/or cancelled any DBS Credit Card issued by the Bank.

**Credit card application may not be approved instantly through DBS Card+ app 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

The terms and conditions relating to this promotion campaign is available for download at our website from now until 7 days after the end of the promotional period. Customers may not be able to access or download such version of the information subsequent to the expiry of the specified timeframe. You are advised to download and store a copy for future reference. If you do not agree or have no online access to the terms and conditions, you may contact our Customer Services and request for a physical copy.

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!

Frequently Asked Questions

Other Cards and Rewards

DBS Black World Mastercard^®

DBS Black American Express^® Card

DBS Eminent Card

DBS COMPASS VISA

InstaRedeem

Card Application

Important information

Useful links

Need help?

Markets

Frequently Asked Questions

Other Cards and Rewards

DBS Black World Mastercard®

DBS Black American Express® Card

DBS Eminent Card

DBS COMPASS VISA

InstaRedeem

Card Application

Important information

Useful links

Need help?

Markets

DBS Black World Mastercard^®

DBS Black American Express^® Card