Best DBS Credit Card in Hong Kong 2026: Latest Offers and Cashback
Updated: 31 Dec 2025
Card | Hot Reward Pick | MoneyHero Reward | Card Benefit | Minimum Annual Income | Annual Fee | ||
|---|---|---|---|---|---|---|---|
 | DBS COMPASS VISA | HK$1,200 | 0.4 - 10 % | HK$100,000 | - | ||
 | DBS Black World Mastercard® | HK$5,180 | $4 - 12 per mile | HK$240,000 | HK$3,600 | ||
 | DBS Eminent Visa Platinum Card | HK$5,980 | 2 - 5 % | HK$150,000 | HK$1,800 | ||
 | DBS Eminent Visa Signature Card | HK$5,980 | 2 - 5 % | HK$360,000 | HK$2,000 | ||
 | DBS Live Fresh Tertiary Student Card | HK$1,200 | 0.4 - 6 % | No Requirement | HK$1,800 | ||
 | DBS Live Fresh Card | HK$1,200 | 0.4 - 6 % | HK$150,000 | HK$1,800 |
About DBS Bank
DBS Bank is one of the largest financial services groups in Asia. It has been rated as Asia’s safest bank for 16 consecutive years and is the largest bank in Southeast Asia. DBS offers a wide range of personal and corporate banking services, including savings accounts, foreign currency deposits, credit cards, loans, insurance and wealth management services. In recent years, DBS has also focused on providing banking services to SMEs, making it one of the top choices for many entrepreneurs and new business owners.
Highest Cashback: DBS COMPASS VISA
The DBS COMPASS VISA offers up to 8% COMPASS Dollar cashback on supermarket spending, making it an ideal "grocery card" for everyday shopping at the supermarket. From now until June 25, 2025, get up to 8% COMPASS Dollar cashback on a DBS COMPASS VISA card with purchases over HK$300 at supermarkets every Wednesday, including Wellcome, Yata, DONKI, AEON, and HKTV Mall (excluding ParknShop and its stores).
DBS COMPASS VISA
- Supermarket rebate
- Online shopping rebate
- Local spending rebate
- Annual Fee waiver
Suitable for customers who enjoys online shopping
"Super Wednesday" Shopping Offers - Up to 8% COMPASS Dollar Rebate on local supermarkets spending
- Enjoy up to 8% COMPASS Dollar Rebate upon a single net spending of HK$300 or above at local supermarkets with DBS COMPASS VISA every Wednesday. . Rewards include the 0.4% COMPASS Dollar basic rebate under the COMPASS Card Reward Scheme and the extra 7.6% COMPASS Dollar rebate (HK$152 monthly rebate cap) under this Promotion. When calculating Rewards, Extra Reward will be rounded down to 2 decimal places and is only applicable to the first HK$2,000 Eligible Spending in each calendar month during the Promotion Period.
- Promotion period: From now till 27 June 2026 (every Wednesday)
"COM-to-Play" Mini Game Win up to $5,000 COMPASS DollarPromotion Period: from now till 31 May 2026
- During the promotion period, principal cardholders of DBS COMPASS VISA can participate in our “COM-to-Play” Mini Game via DBS Card+ app upon making a single net transaction of HK$200 or above at the following designated spending categories (physical or online stores). Upon completion of the mini game, cardholders can get a guarantee prize of $5 COMPASS Dollar or a chance of winning up to $5,000 COMPASS Dollar!
- Fashion & Apparel
- Department Stores
- Household Appliances / Electronic Goods
- Home Furniture / Decorations
- Gasoline
- To join the Mini Game, Principal Cardholders are required to install the DBS Card+ and completely register an DBS Card+ account before making the eligible transaction. Each Principal Cardholder can participate in the Mini Game up to 2 times per calendar month during the promotion period. The virtual credit card activated immediately upon the successful application of the Applicable Credit Card via DBS Card+ is also entitled to participate in the Promotion from the second next day upon card issuance.
- Promotion Period: From now till 31 May 2026
"COM-to-Spend Everywhere Spending Rewards
- Upon registration for this Programme via DBS Card+ app and make a single net spending of HK$300 or above at below designated categories of spending (physical or online stores) from the next calendar day following successful registration until the end of the Programme period, you can enjoy 2% Compass dollar rebate. (applicable to the first HK$12,500 Eligible Spending in each calendar month)
- Designated Daily Household Spending Categories including: Retail transactions made via AliPay, AliPayHK or WeChat Pay, Department stores, Home furniture or decorations, Gasoline spending at fuel stations etc..
- Promotion Period: from now till 30 Jun 2026
Flexi Shopping COMPASS VISA Exclusive Offer
- 3 times 50% one-off handling fee rebate on premium instalments!
- Offer is bounded by Terms and Conditions. For details, please visit go.dbs.com/hk-fscve.
Tactical Offers
- iHerb (valid until 31 May 2026)
- Enter the designated promotion code "DBS10" before completing the payment on the payment page to enjoy 10% off
- Extra HK$60 cash rebates (each cardholder can earn the cash rebate up to a maximum of 3 times during the promotion period) upon a single net spending of HK$600 or above
Other things to note
- MoneyHero exclusive offer is only applicable to new applicants who have not owned any DBS cards in the 12 months prior to the date of application for the New Card, have not held and/or cancelled any principal credit cards (including co-branded cards) issued by DBS.
- DBS iBanking bill payment and transactions in Hong Kong dollars at the point of sales outside Hong Kong are not eligible for earning COMPASS Dollar.
- Promotions above are subject to related terms and conditions, please visit go.dbs.com/hk-cv-en for details.
- To borrow or not to borrow? Borrow only if you can repay!
Highest Miles Cashback: DBS Black World Mastercard
With the DBS Black World Mastercard, you can earn miles at a rate as low as HK$2 = 1 mile on overseas purchases. Cardholders must register via the DBS Card+ app, and from the next calendar day, accumulate the eligible retail spending of HK$20,000 to earn miles at a rate of HK$2 = 1 mile. Even if the spending does not meet the threshold, you can still earn miles for overseas purchases at HK$4 = 1 mile, and for local purchases at HK$6 = 1 mile. This credit card is perfect for travel.
DBS Black World Mastercard
- Travel agency offer
- Welcome offer: Air miles
- Air miles conversion
- No expiry air miles
Credit Card Features
- Welcome offer up to 32,000 mile
- Suitable for frequent travelers, oversea spending as low as HK$2 = 1 mile
- Offers various mileage conversions, including Cathay, Avios, KrisFlyer, and PhoenixMiles
-
Redeem Hotel Loyalty Programme Points with your DBS$ to enjoy complimentary stays or other exclusive benefits
- First year annual fee waiver
Rebate & Offer details
- Overseas / Foreign Currency Spending: As low as HK$2 = 1 mile
- Register via DBS Card+ app now to enjoy the oversea spending as low as 1 mile upon accumulating a retail spending of HK$20,000 or above from the next calendar day after successful registration in a certain calendar month, click here for details.
- Local spending: HK$6 = 1 mile
Flexi Shopping Black World Mastercard® Exclusive Offer
- Enjoy 50% one-off handling fee rebate on the first 3 travel merchant category spending
- Promotions bounded by terms and conditions, click here for details.
Use DBS$8 equivalent to HK$10 to offset Online or Travel Merchant Spending
- Promotions bounded by terms and conditions, click here for details.
Redeem flights or hotels at up to 45% off with DBS$, plus enjoy a waiver of mileage conversion handling fees.
- Freely converted to Asia Miles, Avios, KrisFlyer, and PhoenixMiles; AsiaMiles can even be instantly converted and deposited into your mileageaccount.
-
Redeem Hotel Loyalty Programme Points with your DBS$ to enjoy complimentary stays or other exclusive benefits
- Use DBS$ to enjoy up to 45% off travel rewards at iGO Rewards.
Smartphone Application Guide
- [Limited Exclusive Offer] From 29 April 2026 to 6 July 2026, New Customers who successfully apply New Card via Card+ app using the designated link from MoneyHero to enjoy HK$150 InstaRedeem. For details: please visit go.dbs.com/hk-150SIR_MoneyHero)
- New Customers who successfully apply New Card via Card+ app to enjoy HK$50 InstaRedeem. For details: please visit go.dbs.com/hk-online-acq-50SIR
- Through the MoneyHero mobile website credit card offers page, immediately apply for the DBS Black World Mastercard.
- After filling out your email, directly access the pop-out App Store / Google Play Store page to download and open the DBS Card+ HK app.
- Directly apply for the specified DBS credit card within the app, and check your email inbox to fill out the reward claim form.
- If you want to continue applying through the desktop website:
After accessing the bank's official website through MoneyHero, please use the "New Customer" column "Apply Now" red button to apply. This makes it easier to successfully track your MoneyHero exclusive offer application details, but you may not be able to get the additional HK$50 InstatRedeem from DBS Card+.
Other things to note
- MoneyHero exclusive offer is only applicable to new applicants who have not owned any DBS cards in the 12 months prior to the date of application for the New Card, have not held and/or cancelled any principal credit cards (including co-branded cards) issued by DBS.
- DBS iBanking bill payment and transactions in Hong Kong dollars at the point of sales outside Hong Kong are not eligible for earning DBS$.
- Terms and Conditions apply. For details, please visit go.dbs.com/hk-blackcard-mc.
-
To borrow or not to borrow? Borrow only if you can repay!
Easiest to Get Approved: DBS Live Fresh Student Credit Card
The DBS Live Fresh Student Credit Card has no minimum income requirement, so even students can easily apply without submitting salary slips or tax returns as proof of income. Additionally, this card offers a 1% unlimited cashback for online spending in foreign currencies and up to 5% cashback in the "select rewards" category, including online entertainment, fashion, travel merchants, and charitable donations, giving you up to 6% cashback, suitable for students who frequently shop online.
DBS Live Fresh Student Credit Card
- Online shopping rebate
- Overseas rebate
- Local spending rebate
- Annual Fee waiver
First year annual fee waiver
- New Customers who successfully apply DBS Live Fresh Card can enjoy the first year annual fee waiver, upon spending with the new card in the first 3 months and activating DBS Card+ account in the first month.
Up to 6% rebate on online spending. You can pick spending category for extra rebate every month based on your own spending habit.
- Up to 6% rebate on online spending = 1% rebate on online foreign currency spending + 5% extra rebate of your choice
- 1% unlimited rebate on online foreign currency spending. No registration is required.
- 5% Cash Rebate Reward of Your Choice. Register for the Program in DBS Card+ HK and select one spending category. Enjoy an extra rebate of eligible transaction of the chosen spending category.
- 3 “Reward of your choice” categories include:
- Entertainment & Travel Expert (Include Entertainment Spending and Online Travel Merchant Spending)
- Fashionista (Include Online Beauty, Fashion & Apparel Spending and Selected Online Merchant Spending)
- Sustainability & Charity Champion (Including Selected Green Merchants, Social Service Organisations Spending and Online Charity Donations)
- 5% Cash Rebate Reward of Your Choice Selection List: go.dbs.com/hk-lf5list-en
- Each Cardholder can enjoy a maximum of HK$150 Reward for each calendar month. Cardholders must click the red InstaRedeem button on the "Spending" page of DBS Card+ to enjoy the Reward for the relevant Eligible Transaction within 45 calendar days after the transaction date.
- 3 “Reward of your choice” categories include:
- 0.4% cash rebate on other spending categories.
DBS Live Fresh Card Exclusive: 90 days Interest-Free Repayment Period for Overseas, Travelling and Online Transaction
- Flexi Travel – up to 90-day Interest-free Repayment Period for Overseas and Travelling Transaction
- iFlexi - up to 90-day Interest-free Repayment Period for Online Transaction
- No interest will be charged when you pay off your balance within the interest-free repayment period.
10 Free Trials for Flexi Shopping. No handling fee when you apply for Flexi Shopping Programme.
- Cardholders who successfully apply for 6-month Flexi Shopping that charged one-off handling fee via DBS Card+ HK can enjoy a full handling fee rebate.
- Applicable to the first 10 eligible transactions during the promotion period
- Promotion period: 1 January 2026 – 31 December 2026.
New function of DBS Card +: Spending Limit & Spending On-off. You can easily manage your spending with the app.
- Spending Limit: You may set a Retail Spending Limit per month for each Credit Card account with DBS Card+ HK.
- Spending On-off: You may use the function to approve or decline certain categories of Spending like “Online Spending”, “Local Spending” and “Overseas Spending”.
Other things to note
- MoneyHero exclusive offer is only applicable to new applicants who have not owned any DBS cards in the 12 months prior to the date of application for the New Card, have not held and/or cancelled any principal credit cards (including co-branded cards) issued by DBS.
- Online transactions in Hong Kong Dollars, reload of e-wallets and Octopus Automatic Add-Value Service are only entitled to 0.4% basic rebate.
-
Each Cardholder can enjoy a maximum of HK$150 Reward for each calendar month. Cardholders are required to claim the Reward for the relevant Eligible Transaction within 45 calendar days after the transaction date.
- Cardholders must click the red InstaRedeem button on the “Spending” page of DBS Card+ HK to enjoy the Reward.
- Terms and Conditions apply.
- For details, please visit go.dbs.com/hk-livefresh
To borrow or not to borrow? Borrow only if you can repay!
DBS$ / COMPASS Dollar Reward Scheme
DBS$ and COMPASS Dollar are both reward schemes for DBS credit cards. You can accumulate these rewards by using eligible credit cards, and they can be redeemed as cash to offset credit card charges or exchanged for Asia Miles.
|
DBS$ |
COMPASS Dollar |
|
|
Eligibility |
Only applicable to principal cardholders of personal credit cards issued by DBS Bank (Hong Kong) Limited (excluding DBS PayLess VISA, DBS VISA Business Card, and COMPASS VISA). |
Only applicable to principal cardholders of COMPASS VISA issued by DBS Bank (Hong Kong) Limited. |
|
Accumulation Method |
Cardholders earn 1 DBS$ for every HK$250 in eligible spending. |
Cardholders earn 1 COMPASS Dollar for every HK$250 in eligible spending. |
|
Validity |
DBS$ earned has no expiration date for the DBS Eminent Card, DBS Platinum Credit Card, DBS Gold, standard DBS Credit Card, or DBS Black Card. Other DBS$ expires at the end of the month in which the credit card is approved. |
COMPASS Dollar earned has no expiration date. |
|
Redeemable for Asia Miles |
DBS credit cards and DBS Black American Express® Card: 72 DBS$ = 1,000 Asia Miles DBS Black World MasterCard®: 48 DBS$ = 1,000 Asia Miles |
100 COMPASS Dollar = 1,000 Asia Miles. |
How to Apply for Instalment Plans?
Using DBS credit cards, you can also apply for instalment plans via the "Flexi Shopping" programme. Credit card users just need to log in to the DBS Card+ app after spending and easily convert purchases into instalments ranging from 3 to 60 months. Multiple purchases can also be combined into a single instalment plan. Here are the steps:
-
Go to the "Cards" page and select "Spending Instalment."
-
Tap "Auto Flexi Shopping."
-
Choose your credit card, transaction amount range, repayment plan, and expiry date, then click "Next."
-
Review the details, read and agree to the product summary and terms and conditions, and your instructions will be set up successfully.
Frequently Asked Questions
DBS credit card approval typically takes a few working days. Applicants can track the status of their application via the official website's "Check Credit Card Application Status" or contact customer service.
Some DBS credit cards offer cashback when using the Octopus Automatic Add Value Service or other digital wallets for payment, including:
-
DBS Black American Express® Card: HK$250 = DBS$1 (up to HK$5,000).
-
DBS Black World Mastercard®: HK$250 = DBS$1 (up to HK$5,000).
-
In addition to Asia Miles, DBS credit cards also allow you to redeem Avios, KrisFlyer, and PhoenixMiles.
COMPASS Dollar is only available to principal cardholders of the COMPASS VISA issued by DBS, while DBS$ is applicable to other DBS credit cards (except DBS PayLess Visa, DBS Visa Business Card and COMPASS VISA). Both programmes allow you to earn 1 COMPASS Dollar or DBS$ for every HK$250 in eligible spending. However, COMPASS Dollar requires 100 COMPASS Dollars to redeem 1,000 Asia Miles, while DBS$ only requires 48 DBS$ for the same redemption.
Eligible transactions made with the DBS LIVE FRESH credit card will appear on the "Spending" page in the DBS Card+ app:
-
Click the corresponding red "InstaRedeem" button.
-
Click "Redeem Now."
-
Done! The 5% cashback will be instantly deducted from your transaction.
-
Yes, there is. The monthly cashback cap for the designated category is HK$150, meaning you can earn the full cashback after spending HK$3,000 in the designated category. There is no cap for basic spending and online spending in foreign currencies. Basic spending earns DBS$1 for every HK$250 (equivalent to 0.4% cashback), while online spending in foreign currencies earns DBS$2.5 for every HK$250 (equivalent to 1% cashback).
To apply for a DBS credit card via DBS Card+, you generally need an ID card, proof of income, and proof of residential address. Your application will be approved in 1-2 weeks, and you can track its status online.
Yes, some DBS credit card offers require prior registration. For example, to earn 1 mile for every HK$2 spent overseas with the DBS Black World Mastercard®, you need to register through the DBS Card+ app. After successful registration, you will be eligible for this offer starting from the next calendar day and after accumulating eligible retail spending of HK$20,000 within a calendar month.
DBS Eminent Card cardholders need to register for the 2025 "DBS Eminent Card up to 5% Rebate Program" via the DBS Card+ app to enjoy up to 5% cashback on spending in the designated category!