DBS Credit Cards Instant Cash offers you an instant Credit Limit Increase~ and a convenient and quick way to get cash online with one click anytime, anywhere. Instant cash in any bank account* with no documents required~. You can enjoy up to HK$5,600 cash rebate upon successful application.
Instant Cash offers two flexible financing options – Cash Instalment Loan (that's "Call-a-loan" service) and Revolving Loan (that's "Funds Transfer" service) – to allow you to get cash with DBS online express approval.

 


Cash Instalment Loan (that is “Call-a-loan” service)

During the promotion period, apply for Cash Instalment Loan (that is “Call-a-loan” service) online with credit limit increase simultaneously to get more cash with instant approval~. Enjoy cash rebate of up to HK$5,600 upon successful application for both at the same time. Monthly interest rate as low as$32!

 

Offer 1: Apply for Cash Instalment Loan (that is “Call-a-loan” service) via online to enjoy up to HK$5,000 cash rebate#

 

Apply for Cash Instalment Loan (that is “Call-a-loan” service) to enjoy up to HK$5,000 cash rebate#, New DBS Credit Card Customers / New Instant Cash Instalment Loan users can enjoy a cash rebate of 3 months’ interest #!

Example:

Cash Rebate#
Cash out amount of the loan approved Number of Instalments Number of Instalments Number of Instalments Number of Instalments
  12 months or below 18-30 months 36-48 months 54-60 months
≥ HK$300,000 HK$1,000 HK$2,000 HK$3,000 HK$5,000
HK$150,000 – HK$299,999 HK$500 HK$1,000 HK$2,000 HK$3,000
HK$80,000 – HK$149,999 HK$300 HK$600 HK$1,000 HK$1,500
HK$50,000 – HK$79,999 HK$150 HK$300 HK$600 HK$800
HK$30,000 – HK$49,999 HK$100 HK$200 HK$400 HK$600

 

Offer 2: Online permanent increase in combined credit limit and cash out to get up to HK$600 cash rebate+

 

Running out of credit limit to draw cash? Apply for Instant Cash online with credit limit increase simultaneously to get more cash with instant approval~. Enjoy cash rebate of up to HK$600+ upon successful application for both at the same time during the Promotion Period!

Example:

Cash out amount of the loan approved Cash Rebate +
(Only applicable to 12 – 60 months instalments)
≥HK$80,000
+ permanent increase in combined credit limit
HK$600
HK$30,000 – HK$79,999
+ permanent increase in combined credit limit
HK$300

 

instant cash Cash Rebate

Enjoy Offer 1 and Offer 2 together, monthly interest rate as low as $32

 

Offer example (e.g. Loan approved: HK$80,000):

Cash out amount of the loan approved Number of Instalments Monthly flat rate
(Annualised Percentage Rate)
Total interest
(Before deducting cash rebate)
Total interest
(Calculated after deducting cash rebate)
Monthly interest
(Calculated After deducting cash rebate)

Enjoy cash rebate under both offer 1 (HK$300) & offer 2 ($600)

HK$80,000

12 Month

0.13%
(2.99%)

HK$1,284.04

HK$384.04
(- HK$900)

$32

Enjoy cash rebate under offer 1 (HK$300) only

HK$80,000

12 Month

0.13%
(2.99%)

HK$1,284.04

HK$984.04
(- HK$300)

HK$82

 


Revolving Loan (that is “Funds Transfer” service)

During the Promotion Period, apply for Revolving Loan (that is “Funds Transfer” service) online with credit limit increase simultaneously to get more cash with instant approval~. Enjoy cash rebate of up to HK$2,600 upon successful application for both at the same time.

 

Offer 1: Apply for Revolving Loan (that is “Funds Transfer” service) via online to enjoy up to HK$2,000 ^upon successful application for both at the same time.

 

Example:

Total "Funds Transfer“ Loan Amount Cash rebate ^
≥ HK$300,000 Up to HK$2,000
HK$150,000 – HK$299,999 Up to HK$1,000
HK$80,000 – HK$149,999 Up to HK$800
HK$50,000 – HK$79,999 Up to HK$500
HK$20,000 – HK$49,999 Up to HK$200

 

Offer 2: Online permanent increase in combined credit limit and cash out to get HK$600 cash rebate+

 

Running out of credit limit to draw cash? Apply for Instant Cash online with credit limit increase simultaneously to get more cash with instant approval~. Enjoy cash rebate of up to HK$600+ upon successful application for both at the same time during the Promotion Period.

Example:

Cash out amount of the loan approved Cash Rebate +
≥HK$80,000
+ permanent increase in combined credit limit
HK$600
HK$30,000 – HK$79,999
+ permanent increase in combined credit limit
HK$300

 

 


How to apply for credit limit increase

Please log in to DBS Card+ app. Tap “Borrow” and choose “Instant Cash” and follow below instructions to increase the combined credit limit:

apply for credit limit increase

 

apply for credit limit increase

 

 
 

 


Terms and Conditions

Cash Instalment Loan (that is “Call-a-loan” service)

Revolving Loan (that is “Funds Transfer” service)

Terms and Conditions for Online Permanent Increase in Combined Credit Limit and Cash Out to get up to HK$600 Promotion

 

"Call-a-loan" service is the product provided under Cash Instalment Loan plan.
#Cash rebate entitled to by the customer depends on the cash out amount of the loan approved, Annualized Percentage Rate and / or tenor of "Call-a-loan" Online Instalment Cash Service. Eligible customer will be entitled to the offer with higher cash rebate among the ""Call-a-loan" Online Instalment Cash Service get up to HK$5,000 "Cash Rebate" promotion" and the "New DBS Credit Card Customer / New Instant Cash Instalment Loan user, enjoy 3 months Interest “Cash Rebate” of the first "Call-a-loan" Instalment Cash Promotion". The following terms and conditions apply to the promotion offer:
    1. Terms and Conditions for "Call-a-loan" Online Instalment Cash Service get up to HK$5,000 "Cash Rebate" promotion
    2. Terms and Conditions for New DBS Credit Card Customer / New Instant Cash Instalment Loan user, enjoy 3 months Interest “Cash Rebate” of the first "Call-a-loan" Instalment Cash Promotion
    3. Terms and Conditions for general promotional offer of "Call-a-loan”

 

"Funds Transfer Program" is the product provided under Revolving Loan plan.
^Cash rebate entitled by the customer depends on the approved loan amount (Transfer Amount), Annualized Percentage Rate and monthly statement’s Finance Charges of “Funds Transfer" Online Cash Service. The following terms and conditions apply to the promotion offer, please refer to the followings for details:
    1. Terms and Conditions for "Funds Transfer" Online Cash Service get “Cash Rebate” promotion (up to HK$2,000)
    2. Terms and Conditions for general promotional offer of “Funds Transfer”

 

+The offer is subject to Terms & Conditions, please click here for details.

~Instant credit limit increase is only applicable to selected customers. Other customers can apply for credit limit increase by submitting the required documents. Final credit limit will be approved according to the credit card account status and credit history. We reserve the right to approve the application for permanent increase in combined credit limit.

*Applicable to the banks participating in Faster Payment System only. The loan amount will be instantly transferred to the recipient bank. The crediting to the recipient account will be subject to the recipient bank’s handling.

 

 

Promotion Period

  • 01/09/2021 – 30/09/2021

Useful Links


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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