Credit Card Low Interest Loan

"Call-a-loan" Instalment Cash Service

Personalised preferential interest rate¹ as low as APR 3.88%²
Repayment periods of 6 to 60 months
Apply without documents and online express approval³

To get started, get ready of credit card, mobile phone and bank account information

"Call-a-loan" Special Offer

Apply “Call-a-loan” Instalment Cash Service online to enjoy up to HK$5,000 cash rebate**! Here are some illustrative examples:

Apply "Call-a-loan" of HK$300,000 with 60-month instalments and enjoy HK$5,000 rebate!
Apply "Call-a-loan" of HK$150,000 with 48-month instalments and enjoy HK$3,500 rebate!
Apply "Call-a-loan" of HK$80,000 with 36-month instalments and enjoy HK$2,000 rebate!

Promotion period: 1/6/2018 – 30/6/2018

Terms and Conditions for the Promotion Offer of "Call-a-loan"

"Funds Transfer" Flexi Cash Service

Personalised preferential interest rate^a as low as APR 5.8%^b

Flexible repayments as low as the minimum payment of credit card monthly statement

Apply without documents and online express approval^c

Apply Now

Application Demo

Notes

Notes for "Call-a-loan" service:

"Call-a-loan" service and the personalised preferential interest rate is only applicable to selected customers. Personalised preferential interest rate is for reference only. DBS Bank (Hong Kong) Limited reserves the right at its absolute discretion on the acceptance of application, approval of the service and determining the preferential interest rate from time to time according to different promotions. Please logon via "Apply Now" or call Application Hotline 2290 8333 to enquire for the personalised preferential interest rate and the related fee.
Personalised preferential monthly flat rate as low as 0.17%, is only applicable to selected customers; Monthly flat rate of 0.17%, its annualised percentage rate is 3.88%. The Annualised Percentage Rate (APR) is calculated in accordance with the guidelines issued by the Hong Kong Monetary Authority in respect of the Code of Banking Practice.
Cash will be deposited to your designated account within 2 working days for successful application. Otherwise, the bank will contact you within 2 working days. The Bank reserves the right to request additional documents for application approval.
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.

Note: Early repayment of "Call-a-loan"

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.

** Cash rebate entitled by the customer depends on the approved loan amount, Preferential APR and tenor of "Call-a-loan" Online Instalment Cash Service. The following terms and conditions apply to the promotion offer, please refer to the followings for details:

Terms and Conditions for "Call-a-loan" Online Instalment Cash Service get "Cash Rebate" promotion (up to HK$5,000)
Terms and Conditions for general promotional offer of "Call-a-loan"

Notes for "Funds Transfer" service:

"Funds Transfer" service and the personalised preferential interest rate is only applicable to selected customers. Personalised preferential interest rate is for reference only. DBS Bank (Hong Kong) Limited reserves the right at its absolute discretion on the acceptance of applications, approval of the service and determining the preferential interest rate from time to time according to different promotions. Please logon via "Apply Now" or call Application Hotline 2290 8333 to enquire for the personalised preferential interest rate and the related fee.
Annual interest rate of 5.8%, its annualised percentage rate is 5.96%. The Annualised Percentage Rate (APR) is calculated in accordance with the guidelines issued by the Hong Kong Monetary Authority in respect of the Code of Banking Practice.
Cash will be deposited to your designated account within 2 working days for successful application. Otherwise, the bank will contact you within 2 working days. The Bank reserves the right to request additional documents for application approval.
The application of "Funds Transfer" service should be bound by related terms and conditions. For details, please refer to the Terms and Conditions of "Funds Transfer" service or call our Application Hotline on 2290 8333.

^ Cash rebate entitled by the customer depends on the approved loan amount (Transfer Amount), Annualized Percentage Rate (APR) 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:

Terms and Conditions for "Funds Transfer" Online Cash Service get “Cash Rebate” promotion (up to HK$2,000)
Terms and Conditions for general promotional offer of “Funds Transfer”

Terms and Conditions

"Call-a-loan"

Terms and Conditions for the Promotion Offer of "Call-a-loan"
Product Key Facts Statement & Terms and Conditions of "Call-a-loan" Service

"Funds Transfer"

Terms and Conditions for the Promotion Offer of "Funds Transfers"
Product Key Facts Statement & Terms and Conditions of "Funds Transfer" Service

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

Frequntly Asked Question

How long is the interest-free repayment period?

You can enjoy up to a maximum of 60 days interest-free repayment period provided that there is no unsettled outstanding balance in the previous statement.

How can I stop a recurrent credit card transaction?

You should contact the merchant to cancel the instruction directly.

How do I query a transaction on my credit card statement?

As soon as you notice a transaction on your statement that you find problematic, call our 24-hour Credit Card Customer Services Hotline on (852) 2290 8888 for assistance.