Earn DBS$ with eligible spending

You can earn DBS$ with local and overseas retail spending.

Eligible spending of DBS$

"Eligible Spending" includes all posted retail transactions and specified fund purchases. For a purchase under Card Interest-free Instalment Loan, a Cardholder earns DBS$ 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. Fee Based Instalment

  12. 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

  13. Insurance payment (not applicable for Manulife Credit Card)

  14. Tax payment

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

  16. Transactions that have been subject to cancellation, Charge-back, Return of goods and/or refund or any other types of transactions specified by the Bank from time to time

  17. Flexi Shopping


  • Depending on the month in which the Card was approved by the Bank (“Card Approval Month”), DBS$ accumulated by a Cardholder will be valid until the end of the Card Approval Month each year, except that there shall be no expiry date applicable to DBS$ earned under DBS Eminent Card, DBS Platinum Credit Card, DBS Gold Card, DBS Classic Card or DBS Black Card. DBS$ shall not be redeemable after the relevant expiry date (if applicable).

  • You cannot combine DBS$ or DBS$ Cash Rebate accumulated in different credit card accounts. And also you cannot transfer those DBS$ or DBS$ Cash Rebate to third party account.

  • DBS$ is only applicable for principal cardholders. However, if you have a supplementary card under your card account, Eligible Spending under that supplementary card will be deemed Eligible Spending under your principal card account for calculation of entitlement to DBS$.

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

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