Earn COMPASS Dollar with eligible spending

You can earn COMPASS Dollar with local and overseas retail spending.

Eligible spending of COMPASS Dollar

“Eligible Spending” includes all posted retail transactions and specified fund purchases. For a purchase under Card Interest-free Instalment Loan, a Cardholder earns COMPASS Dollar as and when the instalment is posted to the Card account. For the avoidance of doubt, the following types of transaction SHALL NOT fall under the scope of Eligible Spending:

  1. Cash advances and relevant handling/administration fees

  2. Casino chips

  3. Foreign exchange

  4. Finance charges

  5. Reversed transactions

  6. Late charges

  7. Credit card annual fee

  8. Call-a-loan

  9. Balance Transfer

  10. Funds Transfer

  11. Flexi Shopping

  12. Tax payment

  13. Any bill payment transactions made through DBS iBanking, JET Payment Service or any other means as specified by the Bank from time to time

  14. Transactions in Hong Kong Dollars at the point of sales (in case of online transactions, the place of registration and/or settlement of the merchant) outside Hong Kong

  15. Transactions that have been subject to cancellation

  16. Charge-back

  17. Return of goods and/or refund or any other types of transactions specified by the Bank from time to time


  • COMPASS Dollar has no expiry date.

  • You cannot combine COMPASS Dollar in different credit card accounts, and also you cannot transfer COMPASS Dollar to another credit card account.

To borrow or not to borrow? Borrow only if you can repay !

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