DBS Credit Cards

DBS Bank in Hong Kong issues a range of cards across three major card transaction networks, offering leading levels of cash rebate on your spend and a good choice of travel perks.

Compare the credit cards available from DBS Bank and choose the credit card product that best meets your individual requirements.

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Name	Product	Annual Fee	Fee Waiver	Annual Interest Rate	Minimum Annual Income
DBS Live Fresh Credit Card		HK$1,800	Yes	36.33%	HK$150,000	Ends on 2 April 2023: Enjoy a $0 first-year annual fee and rewards worth up to HK$600 from “InstaRedeem” or HK$1,000 Klook Rewards, plus a HK$200 cash rebate when you meet the spend requirements. T&Cs apply.	Go to Site	Compare	loading Fetching your data...
DBS Black World Mastercard		HK$2,800	Yes	36.33%	HK$240,000	Ends on 2 April 2023: Enjoy a first-year annual fee waiver and earn up to 80,000 miles. T&Cs apply.	Go to Site	Compare	loading Fetching your data...
DBS Compass Visa Credit Card		HK$1,800	Yes	36.33%	HK$100,000	Ends on 2 April 2023: Save with $0 first-year annual fee and a HK$200 cash rebate. Choose 1 from 3 rewards: Limited Edition Mahjong Set (Black) or Vintage Edition Mahjong Set (Gold) or HK$500 Local Supermarket “InstaRedeem” amount. T&Cs apply.	Go to Site	Compare	loading Fetching your data...

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Types of DBS credit cards

The credit card range from DBS focuses on offering a return on your daily credit card spend, while some DBS credit cards target frequent travelers by offering a range of benefits including discounted hotel bookings.

• Cash rebate cards

  You can be rewarded for everyday purchases by applying for a DBS credit card. The DBS Eminent Visa Signature Card offers 1% back on all local spend and 2% back on all overseas spend, at the time of writing. Alternatively, choose the DBS Black American Express Card which offers 3 times the usual DBS$ back on local dining.

• Premium cards

  Get the DBS Eminent Visa Platinum Card or the DBS Eminent Visa Signature Card and get additional rewards on your local card spend, while also qualifying for travel privileges and offers on dining and movie tickets.

• Black cards

  Apply for the DBS Black World Mastercard and get a solid range of travel benefits. At the time of writing, the DBS Black World Mastercard comes with a sign-up bonus, as well as a range of perks for frequent travelers such as discounts on hotel bookings, InstaRedeem offers and Mastercard Traveler Rewards which can get you 5% extra rewards on certain transactions.

• American Express cards

  Take advantage of the higher reward earnings rates on the American Express network with DBS. The Black American Express Card earns you one mile for every six Hong Kong dollars of spending locally and more when you are traveling. You also get access to Amex Shop Small and Live the World privileges. New customers who successfully apply for DBS Black American Express Card by 30 December 2022 could enjoy a welcome gift of up to HK$800 rebate.

• Co-branded cards

  Enjoy exclusive discounts at Hong Kong businesses thanks to co-branded DBS cards. You can automatically pay your Manulife or CABLE Power monthly payment with your co-branded DBS card and continue to earn as you spend.

• Business cards

  A convenient way to manage your corporate spending, a DBS Visa Business card allows you to track the spending of each cardholder. You can view monthly and quarterly reports which are sorted according to the country in which transactions were made as well as the category of spending. DBS also offers a liability waiver protection policy to protect you against eligible losses if an employee misuses a company credit card.

What benefits can I get with a DBS credit card?

• Rewards on your everyday card use
  Earn DBS$ just by spending on your card. You can choose a cash rebate scheme, where every DBS$ you earn is converted into a HK$1 rebate on your statement. Alternatively, use the DBS$ redemption scheme at DBS Card+ and redeem your earnings for items in the eShop or in exchange for Asia Miles.
• Special offers from DBS partners
  Your DBS credit card entitles you to special offers at a range of retailers, even more so if you apply for a co-branded DBS credit card. From cash rebates through to accelerated DBS$ earnings rates, a DBS credit card unlocks a wealth of benefits.
• Easy payments with your mobile phone
  DBS supports all the common mobile phone payment technologies including Apple Pay, Samsung Pay and Google Pay. Simply add your DBS credit card to your mobile phone for easy, convenient payments without taking your credit card out of your wallet.
• A low-interest loan on your credit card
  Get express online approval for a loan from your DBS credit card, including a preferential monthly interest rate. You can repay your loan in anything from 6 to 60 months.
• Fraud protection
  Report any fraudulent transactions on your DBS card within 60 days to qualify for a full refund of the transaction and all associated costs and charges. A DBS staff member will investigate the transactions and ensure you are not charged for any transactions you did not personally authorise.

How can I apply for a DBS credit card?

Decide which credit card features are important for you. You might benefit most from accelerated cash rebates or find that a solid set of travel benefits have more value. Perhaps one of the DBS co-branded cards is the best choice. Refer to the green “Go to Site” button and start the application process for the DBS card of your choice.

Eligibility requirements

• Age. DBS Bank requires that applicants be at least 18-years-of-age when applying. Any supplementary cardholders also need to be over 18-years-of-age.
• Residential status. Only residents of Hong Kong can apply for a DBS credit card, but the bank doesn’t require you to be a Hong Kong citizen.
• Income requirements. The card product you select will determine the minimum income requirement. For example, the DBS Eminent Visa Platinum card minimum income requirement is HK$150,000, while the Signature edition of the card requires a minimum income of HK$360,000. Students at tertiary institutions such as universities can apply for certain cards without meeting income requirements.
• Credit history. All banks will evaluate your credit profile before granting you credit. DBS will consider your current exposure to debt and whether you have kept to credit agreements in the past.

Necessary documents and information

• Proof of identification. When you’ve completed the application form, you will need to upload proof of your Hong Kong ID via the Online Document Submission centre.
• Proof of income. Employees with regular incomes need to supply a payslip or bank statements for the past month. You’ll be required to supply additional information if your income is not fixed, and self-employed applicants will need to supply evidence of their business registration as well as a Profits Tax Demand Note and three months’ bank statements. If you’re not employed, you will be required to upload an Investment Statement or Fixed Deposit Advice.
• Tertiary education students. If you’re studying at a tertiary institution such as a university, you can apply for a credit card if you have a valid student card.
• Confirmation of current address. DBS will require proof of your place of residence. This includes a utility bill or bank statement issued in the last six months.

You have a lot of good credit card options at DBS. Compare your DBS card of choice against similar cards from other providers and apply for the credit card which matches your personal needs the closest.

Frequently asked questions about DBS credit cards

• Is there a limit on the cash rebate I can earn?

  You can earn unlimited cash rebates on the DBS Eminent Visa Signature Card and DBS Eminent Visa Platinum Card at a rate of 1% or 2% depending on where the transaction occurs. Other DBS cards may put a limit on the total amount of cash rebates you can earn.

• Will the balance on my DBS$ account expire?

  The expiry date of your DBS$ and COMPASS Dollar depends on the type of DBS credit card you hold. COMPASS VISA, DBS Eminent and DBS Black credit cardholders receive an additional benefit whereby any DBS$ or COMPASS Dollar in their account never expires, whereas DBS$ earnings on Manulife and Cable Power credit cards (except Platinum) expire after one year.

• Are there any welcome bonus offers on DBS credit cards?

  Some DBS credit cards offer successful new applicants a welcome bonus. At the time of writing, the DBS Black World Mastercard awards new customers 50,000 miles when an account is successfully opened (when a spending quota is met).

• Can I request a credit limit increase?

  Yes, if your credit limit is not sufficient you can request a higher limit from DBS. The bank will require you to submit recent proof of income and will notify you in writing of the result of your application for a credit limit increase.

• How do I report my DBS credit card as lost or stolen?

  If you think you have lost your DBS credit card, or that it has been stolen, immediately phone the 24-hour DBS credit card customer service hotline. DBS will place a hold on your existing card to prevent unauthorised transactions, and issue you with a new credit card that has a different card number.