Instant Cash

For Key Facts Statement of Instant Cash, please click here.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^~.
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 monthly flat rate as low as 0.11% (APR as low as 2.50%) and up to HK$6,600 cash rebate upon successful application for both at the same time. Offer 1: Apply for Cash Instalment Loan (that is “Call-a-loan” service) via online to enjoy up to HK$6,200 cash rebate^#Example:

Cash Rebate^#
Cash out amount of the loan approved	Number of Instalments	Number of Instalments	Number of Instalments	Number of Instalments
	12-18 months	24-36 months	42-54 months	60 months
≥ HK$500,000	HK$1,200	HK$2,000	HK$3,500	HK$6,200
HK$300,000 – HK$499,999	HK$600	HK$1,200	HK$2,200	HK$3,500
HK$150,000 – HK$299,999	HK$300	HK$600	HK$1,200	HK$2,200
HK$60,000 – HK$149,999	HK$150	HK$400	HK$600	HK$1,200
HK$30,000 – HK$59,999	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$400 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$400⁺ 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$100,000 + permanent increase in combined credit limit	HK$400
HK$50,000 – HK$99,999 + permanent increase in combined credit limit	HK$200

“Call-a-loan” service is the product provided under Cash Instalment Loan plan.

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The Bank provides you with a cooling-off right. If you fully repaid the principal amount of the loan within the Cooling-off Period (7 calendar days after draw down of the loan), you will only be charged a daily interest (Daily interest : Total interest ÷ Total number of calendar days in the loan tenor) each day from the draw down date to the repayment date. If you have any queries about the Cooling-off Period or need further assistance, please feel free to contact our Customer Service Hotline at 2290 8888.

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$2,900 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$2,500 ^{^}upon successful application. Example:

Total "Funds Transfer“ Loan Amount	Cash rebate ^{^}
≥ HK$300,000	Up to HK$2,500
HK$150,000 – HK$299,999	Up to HK$1,500
HK$80,000 – HK$149,999	Up to HK$1,000
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$400 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$400⁺ upon successful application for both at the same time during the Promotion Period.Example:

Cash out amount of the loan approved	Cash Rebate ⁺
≥HK$100,000 + permanent increase in combined credit limit	HK$400
HK$50,000 – HK$99,999 + permanent increase in combined credit limit	HK$200

“Funds Transfer” service is the product provided under Revolving Loan plan.

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Product Key Facts Statement of "Funds Transfer" service
Product Terms and Conditions of "Funds Transfer" service
Terms and Conditions for the Promotion Offer of “Funds Transfer” service

Credit limit increase application has never been easier

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

First-to-market - get your credit card in a few minutes^## and instant cash outDownload DBS Card+ app now and follow the instructions below to apply:

Terms and Conditions

Terms and Conditions for Online Permanent Increase in Combined Credit Limit and Cash Out to get up to HK$400 Promotion

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

Product Key Facts Statement of "Call-a-loan" service

Product Terms and Conditions of "Call-a-loan" service

Terms and Conditions for the Promotion Offer of “Call-a-loan” service

Revolving Loan (that is “Funds Transfer” service)

Product Key Facts Statement of "Funds Transfer" service

Product Terms and Conditions of "Funds Transfer" service

Terms and Conditions for the Promotion Offer of “Funds Transfer” service

Remarks:

If your application is approved, you will receive a confirmation letter. If you are a DBS Card+ app user, the electronic confirmation letter will be issued via DBS Card+. You can view the confirmation letter under DBS Card+ “eLetter” function. If you are not a DBS Card+ app user, the confirmation letter will be sent to you by post. Please view the relevant Terms and Conditions (“T&Cs”) and Key Facts Statements either from our website or the link(s) provided in the confirmation letter. T&Cs are subject to revision from time to time. Prevailing version of the T&Cs is available at our website until 30 days from the effective date of a new version. You 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 to receive the confirmation letter via eLetter or have no online access to the electronic confirmation letter, the T&Cs and Key Facts Statement, please send an email to creditcard.hk@dbs.com or call our Customer Service Hotline at 2290 8888 to instruct us otherwise.

If you are DBS Card+ user, you can login the DBS Card+ app, tap “eDocument” under “Cards” tab and choose “eLetter” to view your electronic confirmation letter.

Terms and Conditions of previous month

Terms and Conditions for Online Permanent Increase in Combined Credit Limit and Cash Out to get up to HK$400 Promotion of previous month

Terms and Conditions for the Promotion Offer of “Call-a-loan” service of previous month

T erms and Conditions for the Promotion Offer of “Funds Transfer” service of previous month

^~In response to individual circumstances, customers may not be able to instantly increase their credit limit without submitting documents. In this case, customers may submit an application with the required documents to DBS Bank (Hong Kong) Co., Ltd. ("the Bank") through the designated website for increasing the credit limit. The Bank reserves the right to approve the application for permanent increase in combined credit limit.

^*Only applicable to customers who use Faster Payment System to receive the loan payment. The loan payment will be instantly transferred to the recipient bank. The crediting to the recipient account will be subject to the recipient bank’s handling.

"Call-a-loan" service is the product provided under Cash Instalment Loan plan.

^#The following terms & conditions apply to the promotion offer:

Terms and Conditions for "Call-a-loan" Online Instalment Cash Service get up to HK$6,200 "Cash Rebate" promotion
Terms and Conditions for general promotional offer of "Call-a-loan”

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

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

Remarks for "Call-a-loan" service:

The personalized preferential interest rate that customers can enjoy depends on the financial situation of individual customers. DBS Bank (Hong Kong) Co., Ltd. ("the Bank") reserves the right to determine the customer's personalized preferential interest rate. Please click "Apply Now" or call Application Hotline 2290 8333 to enquire for the personalized preferential interest rate and the related fee.
Personalized preferential monthly flat rate as low as 0.11% (Annualized Percentage Rate (“APR”) is 2.50%), is only applicable to selected customers and for reference only; The APR is calculated in accordance with the guidelines issued by the Hong Kong Monetary Authority in respect of the Code of Banking Practice.
Due to individual circumstances, the online application may not be approved instantly. In this case, the Bank will contact the customer to follow up the application within 2 working days. The customer may need to provide additional documents for approval.
Final loan amount and cash out amount will be approved subject to credit card account status. System will automatically consolidate existing DBS credit card cash Instalment loan according to the status of individual DBS credit card.
The application of "Call-a-loan" service should be bound by related terms and conditions. For details, please refer to the Terms and Conditions of "Call-a-loan" service or call Application Hotline 2290 8333.
If you choose to pay off the "Call-a-loan" early, you are not able to save any interest because interest payable for the remaining term of the "Call-a-loan", which is embedded in the monthly instalment amount shall still be payable.

"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) and monthly statement’s Finance Charges of “Funds Transfer" Online Cash Service. The following terms & conditions apply to the promotion offer:

Terms and Conditions for "Funds Transfer" Online Cash Service get “Cash Rebate” promotion (up to HK$2,500)
Terms and Conditions for general promotional offer of “Funds Transfer”

Download DBS Card+ Now

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Or click the link below to download

Photos are for reference only. Apple, Apple Pay and Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Google Play and Google Pay are service mark of Google Inc.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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