DBS
Credit Cards | Wai Shing Wine & Spirits



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. 

DBS Credit Card Extra Welcome Offer at Designated Elite Merchants

 

Welcome offer

During the promotion period, new customers▲ who download the DBS Card+ app via the designated link or QR code displayed on the promotional materials placed by us at Designated Elite Merchants' outlets and successfully apply for a DBS Credit Card through the downloaded DBS Card+ app, can earn an extra welcome offer of HK$400 "InstaRedeem", in addition to the corresponding welcome offers for the designated DBS Credit Card^.

Spending instalment offer

Enjoy up to HK$100 one-off handling fee cash rebate of Flexi Shopping 3, 6 or 12-month instalments#

Promotion period

  • 1 Jul to 31 Dec 2026


Please apply via designated links below



 

 

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:
  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.

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 Black Card DBS$ Conversion Rates
Frequently Asked Questions
DBS Personal Credit Card Terms and Conditions
Key Facts Statement Click here for details
Fee Schedule
Others card features and benefits Click here for details

Remarks:

▲ "New Customers" refer to applicants who, during the approval process of the New Card, have not applied for, do not hold, or have not held and/or cancelled any credit cards (including co-branded cards, but excluding corporate cards) issued by the Bank within the 12 months prior to the New Card application date.

^ Extra welcome offer of HK$400 "InstaRedeem" is subject to Terms and Conditions, please click here for details. 

◆ Welcome offers of designated DBS credit cards are subject to Terms and Conditions, please click here for details.

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.

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 bookmark the website address, 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 within the above-mentioned timeframe.


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.

Spending instalment offer

For Key Facts Statement of "Flexi Shopping Programme" (“Flexi Shopping”), please click here.

Enjoy up to HK$100 one-off handling fee cash rebate of Flexi Shopping 3 to 12-month instalments#

Customers who make a single transaction HK$500 or above with an applicable DBS Credit Card at designated merchant(s) during the designated promotion period+ (“Eligible Transaction”) and successfully apply for Flexi Shopping 3 to 12-month instalments@ (charging one-off handling fee) via DBS Card+ app (“Eligible Flexi Shopping”), can enjoy a one-off handling fee cash rebate up to HK$100*! 

Promotion period

  • 1 Jul to 31 Dec 2026

Example



Remarks:
#Maximum handling fee rebate is HK$100 and only applicable to designated merchant(s) spending.
@Successful application for the Flexi Shopping Programme means that the first instalment is posted to the Applicable Credit Card account during the Promotion Period.
*One-off handling fee rebate is only applicable to the 1st single Eligible Transaction amount of the successful application of Flexi Shopping Instalment at each designated merchant during the promotion period. Fee rebate will be credited to the relevant applicable credit card account within 3 months after the end of the respective promotion period of the designated merchants and shown on the monthly statement. Spending Instalment Offer is subject to terms and conditions. Please click here for details.

How To Apply For Flexi Shopping with DBS Card+ App


General Notes:
  • All Flexi Shopping applications should be completed 6 working days before the payment due date printed on the monthly statement. Otherwise, you are required to first settle payment for the relevant Eligible Transaction in full before the payment due date. Once the application for the Programme is successful, the payment you made for the relevant Eligible Transaction will be credited to your Card Account and the relevant Eligible Transaction will be converted into a Flexi Shopping Transaction and net-off the statement balance in the following month.
  • If the transactions that you have applied for Flexi Shopping cannot be converted into instalment transactions before the monthly statement is issued, and you have arranged “Autopay” service for your credit card account, you can call the customer service hotline 2290 8888 at least two business days before payment due date to inquire whether payment instruction can be amended or not.
  • If you apply to convert eligible transaction made by DBS Black American Express® Card or eligible transaction of “iFlexi - up to 90-day Interest-free Repayment Period for Online Transaction”/ “Flexi Travel - up to 90-day Interest-free Repayment Period for Overseas and Travelling Transaction” promotion made by DBS Live Fresh Card into instalment transactions via DBS Card+ app, you can only apply for Flexi Shopping with a single transaction only. If you apply for Flexi Shopping that charges one-off handling fee, that single transaction amount must be HK$500 or above. If you apply for Flexi Shopping that charges monthly interest, that single transaction amount must be HK$2,000 or above (Log in to DBS Card+ app > choose “Spending” page > select eligible transaction to start your application Journey).
  • Maximum 500 eligible transactions can be selected in a single application via DBS Card+ app.
  • After the online application is successfully submitted, you will receive an email for your application. If there is any discrepancy between the information you submitted and the bank's record, the bank will contact you to follow up before the payment due date of the relevant transaction.
Notes for Flexi Shopping Programme that charges one-off handling fee
  • Only applicable for spending amount of HK$500 to HK$300,000 (single application). If the application amount is more than HK$300,000, please select Flexi Shopping that charges monthly interest.

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 within the above-mentioned timeframe.

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!

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.