Key Features and Benefits

Quarterly and Annual Spending Summary
  • Track the nominated cardholders and the company's total spending instantly and precisely with quarterly and annual reports.
  • Break down both the nominated cardholders and company's spending by country and spending category e.g. travel, entertainment and daily expenses*.
* Reports will only be generated to cardholders or companies with spending activities.
Billing Options at Your Choice
  • Consolidated billing - both the company and individual monthly statement will be sent to the company.
  • Individual billing - the company monthly statement will be sent to your nominated contact person, while the individual monthly statement will be sent to the individual cardholder.
Free Assignment of Credit Limit to Your Employees
  • Freely set the credit limit of each business card for each of your employees*. We work closely with you to reach the most suitable overall credit limit.
* The maximum credit limit that the employee can enjoy will be subject to the company total available credit limit.
Liability Waiver Protection
  • You are against eligible losses that may arise through card misuse by an employee. Cover is up to HK$190,000 per cardholder and up to HK$12,000,000 per company*.
* Company must have 2 or more employees with DBS VISA Business Card in order to enjoy the protection.

Spending Protection & Useful Information

Shopping ProtectionWhen 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 ProtectionIf 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.
Frequently Asked Questions
DBS Business Card Terms and Conditions
Reduction of credit limit
Key Facts StatementClick here for details
Fee Schedule
Others card features and benefitsClick here for details

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