DBS Live Fresh Card

Last Updated: Sept 2023
$
150,000

Min. Annual Income

5.4
%

Local Spending - Cashback Rate

5% on Designated online spending​ & 0.4% Basic​
0.4
%

Overseas Spending - Cashback Rate

OFFERS
BENEFITS
ELIGIBILITY
APR/FEES

Welcome Offers from DBS

  • OFFER 1
    HK$550 "InstaRedeem" Amount
    • New customers who accumulate eligible spending of HK$4,800 or above within 3 months from the New Card issuance date, download DBS Card+, register and activate DBS Card+ account within 1 month of the New Card issuance date are entitled to HK$600 "InstaRedeem" Amount (will be sub-divided into 2 times of HK$300, one of the transactions must be single online transaction with amount of HK$250 or above).
    • The promotional period is valid from 3 July 2023 to 2 October 2023
  • OFFER 2
    HK$1,000 Klook Rewards (HK$600 Klook Gift Card and HK$400 Staycation Voucher)
    • New customers who accumulate eligible spending of HK$4,800 or above within 3 months from the New Card issuance date, download DBS Card+, register and activate DBS Card+ account within 1 month of the New Card issuance date are entitled to HK$1,000 Klook Rewards.
    • The promotional period is valid from 3 July 2023 to 2 October 2023
  • OFFER 3
    DBS Card+ HK$100 “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$100 or above
    • The eligible new customers can press the red button to off-set HK$100 of the payable amount for that Eligible Spending via the “InstaRedeem” function of DBS Card+
    • The promotional period is valid from 3 July 2023 to 2 October 2023
Up to 6% Cash Rebate on Online Spending; Pick your spending category for extra rebate every month; First-year annual fee waiver; foodpanda's pandamart Wednesday Flash Deal up to 20% off, Buy-5-Get-1 Free offers across HK’s Top Coffee Shops; Please turn off AdBlocker and private mode before application.
Octopus Reload Rebate
Utilities Wallet Rebate
Digital Wallet Rebate
Annual Fee Waiver
MoneyHero Exclusive Offer

Great for

  • Suitable for customers who always makes spending on food delivery platform and shopping online
  • MoneyHero Exclusive Offer - HK$200 supermarket coupon
    • New DBS Credit Card cardholders who successfully apply for DBS Live Fresh Card via MoneyHero are entitled to HK$200 supermarket coupon.
    • 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.
    • Tips:

  • Welcome Offer - HK$550 "InstaRedeem" Amount or HK$1,000 Klook Rewards

    Requirements Welcome Gifts
    (Choose 1 from 2)
    New customers who accumulate spending of HK$4,800 or above within first three months from the date of card issuance

    HK$550 "InstaRedeem" Amount
    (will be sub-divided into 2 times of HK$300, one of the transactions must be single online transaction with amount of HK$300 or above)
    HK$1,000 Klook Rewards
    (HK$600 Klook Gift Card + HK$400 Staycation Voucher)
    • To be entitled to Welcome Offer, customers are required to download DBS Card+ mobile application, register and activate DBS Card+ account within 1 month of the New Card issuance date.
    • Terms and Conditions apply.

  • DBS Card+ Extra Welcome Offer - HK$100 "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$100 or above, would be eligible to the HK$100 "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.

  • Enjoy Buy-5-Get-1 Free offers at designated coffee shops

    • Receive 1 stamp for each transaction of HK$25 or above. For every 5 stamps collected, you will receive a HK$25 “InstaRedeem” discount for the 6th transaction in the same month.
    • Designated coffee shops including: STARBUCKS, Pacific Coffee, HABITŪ, Pret A Manger and The Coffee Academïcs etc.
    • Promotion period: From now till 30 June 2023.

  • foodpanda's pandamart Wednesday Flash Deal

    • Upon a single net spending of HK$250 or above in Hong Kong dollars at foodpanda’s pandamart official website or mobile app on every Wednesday, and enter promotion code "DBS85" during the promotion period, you can enjoy up to 15% off (maximum deduction is HK$45 per transaction)
    • Promotion period: From now till 27 September 2023 (every Wednesday)

  • 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: From now till 31 December 2023.
  • 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”.

Need to know

  • 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.

Year-round rewards

CASH REBATE
Local Spending
5.4%
Overseas Spending
0.4%
Online Shopping Spending (Overseas)
6%
Online Shopping Spending (Local)
5%
Digital Wallet Spending
0.4%
Octopus Top Up Spending
0.4%
Dining Spending
5%

Eligibility

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

Fees

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 Repayment Period
60 days

Other information

Credit card type
Mastercard

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