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DBS Live Fresh Card

DBS Live Fresh Card

The DBS Live Fresh Card focuses on offering up to 6% cashback on online purchases, including platforms like Taobao and Amazon, catering to those who frequently shop online. Cardholders simply need to register for the "selected category spending" to enjoy cashback of up to 6%. Additionally, there are 7 spending categories available for selection, providing great flexibility. Apart from the online shopping benefits, the DBS Live Fresh Card also provides a first-year waiver on annual fees.
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Highlights

Annual Fee Waiver
First year
Cashback Local
5.4  %
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Cashback Overseas
0.4  %
Cashback Overseas Online Shopping
6  %
3 Offers Available
HK$200 HKTVmall Voucher
MoneyHero Exclusive Offer
HK$200 HKTVmall Voucher
New DBS Credit Card cardholders who successfully apply for DBS Card via MoneyHero are entitled to HK$200 HKTVmall Voucher.
  • How to redeem MoneyHero exclusive offer?
    • Note down your application reference number for reference. You will be asked to upload all required documents when you apply the card to facilitate the approval process.
    • Within 7 days of receiving the form, complete the redemption form sent via email for verification and follow-up. MoneyHero will verify your reward eligibility with DBS.
HK$50 InstaRedeem Discount
DBS Card+ Extra Welcome Offer
HK$50 InstaRedeem Discount

DBS Card+ Extra Welcome Offer - HK$50 InstaRedeem Discount

  • New customers^ who successfully applied DBS credit cards through DBS Card+ app, would be eligible to the HK$50 InstaRedeem Discount (For details: go.dbs.com/hk-online-acq-50SIR

^New Customers shall mean applicants who, during the New Card approval process have not applied for, do not currently hold, or 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 the Bank (“New Customers ”). Existing Customers shall mean applicants who, during the New Card approval process have not applied for, do not currently hold, or in the 12 months prior to the date of application for the New Card, have not held and/or cancelled DBS Live Fresh issued by the Bank (“Existing Customers ”).To borrow or not to borrow? Borrow only if you can repay!

Up to HK$500 Rewards
Welcome Offer
Up to HK$500 Rewards
  • HK$350 InstaRedeem Discount
    HK$4,800 within 3 months from the new card issuance date for new customers^ (InstaRedeem discount will be sub-divided into HK$200 and HK$150. Complete one single retail transaction of HK$200 or above and one single online transaction of HK$150 or above within 3 months)
  • HK$100 Cash Rebate
    HK$1,000 or above in total for top up amount via Octopus Automatic Add Value Service or successfully apply 12-month or above Flexi Shopping
    Programme with new card within 3 months from the new card issuance date (no amount requirement)
  • HK$50 InstaRedeem Discount
    Successfully activate the physical new card via DBS Card+ app within 2 months after its issuance
  • New customers need to download and activate DBS Card+ account in the first month within 1 month after new card issuance
  • Existing customers^ can also enjoy HK$50 InstaRedeem Discount by activating the physical new card via DBS Card+ app within 2 months after its issuance
  • For details: https://www.dbs.com.hk/personal/credit-cards/livefresh-welcome.html

Things to consider

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Online shopping rebate

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Overseas rebate

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Local spending rebate

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Annual Fee waiver

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Benefits

Cashback

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Cashback Base Rate
0.4  %
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Cashback Local
5.4  %
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flight
Cashback Overseas
0.4  %
restaurant
Cashback Dining
5  %
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Cashback Local Online Shopping
5  %
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Cashback Overseas Online Shopping
6  %
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Cashback Digital Wallet
0.4  %
Cashback Octopus Top Up Spending
0.4  %
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More Info

HK$100 Cash Rebate InstaRedeem Amount
  • Spend HK$1,000 or above in total for top up amount via Octopus Automatic Add Value Service; or successfully apply 12-month or above Flexi Shopping Programme, no amount requirement

DBS Card+ Extra Welcome Offer - HK$50 InstaRedeem Amount
  • New customers who have successfully applied DBS credit card through DBS Card+ mobile application, and completed a single retail spending with New Card of HK$50 or above, would be eligible to the HK$50 InstaRedeem Offer
  • Reloads of e-Wallets (e.g. PayMe, WeChat Pay and Alipay) and retail transactions paid through e-Wallets (except Apple Pay, Google Pay or Samsung Pay) and payment via “Pay & Transfer” function of DBS Card+ will not be considered as spending for pushing of the red InstaRedeem button.

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.
    • Spending categories include online foreign currency spending, online travel merchant spending, online supermarket spending (eg. HKTVmall, PARKnSHOP.com), online dining spending (eg. Deliveroo, foodpanda), online entertainment spending (eg. Netflix, Spotify and Amazon.com), online fashion & apparel spending and online Charity Donations.
    • 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.
  • 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 2024 – 31 December 2024.

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 and/or DBS COMPASS VISA) 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.
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Eligibility

Eligibility

Minimum Age
18  years old
Min. Annual Income
HK$ 150,000
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Fees / Repayment

Fees

Annual Fee Waiver
First year
Annual Fee
HK$ 1,800
Foreign Currency Transaction Fee
1.95  %

Repayment

Minimum Payment
If the total outstanding balance is HK$300 or above, the minimum payment will be the sum of the followings: (i) all charges, fees, costs, expenses, interests and/or finance charges posted to the current statement of Card Account; (ii) any amount in excess of the credit limit incurred after last statement date; and (iii) 1% of the statement balance excluding all charges, fees, costs, expenses, interests and/or finance charges posted to the Card Account, or HK$300, whichever is higher plus any outstanding minimum payment. If the total outstanding balance is less than HK$300, the minimum payment will be the total outstanding balance.
Late Payment Charge
HK$350 or minimum repayment (whichever is lower)
Retail Purchase APR
36.33  %
Cash Advance APR
39.53  %
Interest Free Period
60  days
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Others

Association

Mastercard

Tags

DBS Live Fresh Card DBS Live Fresh Card