^HK$240,000

Min. Annual Salary

1%

Cash back on online spending

HK$6 = 1 Mile

Cash back on other spending

All Details

• Key Features

  • Welcome offer: Up to 42,000 miles the first year annual fee waiver

  • Redeem mileage points such as Asia Miles, Avios, KrisFlyer and PhoenixMiles with your DBS$

  • Up to 12% Off Hotel Booking Offer from Expedia.com.hk; 8% Off on Hotel Booking from Hotels.com; Up to 10% Off Hotel Booking from Agoda.com; 5% Off Travel Products from KLOOK

  • Enjoy InstaRedeem DBS$8 equivalent to HK$10 (i.e. Conversion rate of DBS$1 = HK$1.25) on Online / Travel merchant spending

Bill Payment

• Autopay service available for HKElectric

• Pay other utility bills through Alipay to earn 1 mile for every HK$6 spent

Annual Fee Waiver

• Enjoy first year annual fee waiver of HK$3,600

• Cardholders can request annual fee waiver through DBS hotline: 2290 8888

• DBS$ never expire

Digital Wallets

• Earn HK$6/ mile from digital wallet transactions

Octopus Card AAVS

• Earn HK$12/ mile from Octopus AAVS

Air Miles

• Year-round HK$6 = 1 Mile (Local), HK$4=1 Mile (Overseas)

• Flexible redemption on flying mileage such as Asia Miles, Avios, KrisFlyer and PhoenixMiles with your DBS$ with redemption fee waiver.

• Can use DBS$ to book air tickets or hotels with instant confirmation in iGO Rewards

• 45% off on flight tickets or hotels redemption with your DBS$ instant confirmation at in DBS iGO Rewards.

• As low as HK$3 =1 mile and worldwide travel privilege including airport limousine transfer service airport lounge & express pass and luggage delivery

• Cardholder must register “DBS Black World Mastercard As Low As HK$3 = 1 Mile Promotion” via DBS Card+ mobile app successfully during Promotion Period. Promotion Period is from 6 October 2023 to 31 December 2024 and consists of 3 Spending Phase. Eligible Spending will be counted from the next calendar date from Successful Registration. Cardholder must accumulate Eligible Spending to achieve Spending Goal of HK$80,000 in a certain Spending Phase, the Eligible Spending can earn Extra Reward to enjoy as low as HK$3 = 1 mile and worldwide travel privilege in such Spending Phase. The Extra Reward in each Spending Phase is capped at DBS$550 for each Cardholder. For details, please visit to go.dbs.com/hk-black-distinction-en .

Overseas Spending

• HK$4 = 1 Mile (Overseas)

• Flexible redemption on flying mileage such as Asia Miles, Avios, KrisFlyer and PhoenixMiles with your DBS$ with redemption fee waiver.

• 45% off on flight tickets or hotels redemption with your DBS$ instant confirmation at in DBS iGO Rewards.

Welcome Offers

• New Customers^ who fulfilled the relevant spending requirements within 3 months from the card issuance date (“Spending Period”), and register and activate DBS Card+ account within 1 month of the New Card issuance date, can enjoy the first-year annual fee waiver and welcome offer up to 42,000 miles:

• Accumulate designated spending amount in the first 3 months: Up to 40,000 miles

• Conduct an Octopus Automatic Add-Value transaction of HK$1,000 or above or successfully apply for Flexi Shopping (for any amount) with 12 or more monthly instalments via the New Card within 3 months after its issuance: Extra 2,000 miles

• New Customers^ and Existing Customers^ successfully activate the physical New Card via DBS Card+ app within 2 month after its issuance: HK$50 InstaRedeem Discount

• New Customers^ apply via DBS Card+ Extra Welcome Offer: HK$50 InstaRedeem Discount(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 Card issued by the Bank (“Existing Customers ”).

• Credit Card Offer is subject to Terms & Conditions, please refer to go.dbs.com/hk-blackcard-mc for details.
  To borrow or not to borrow? Borrow only if you can repay!

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

Best Credit Cards

• HK$6 = 1 Mile (Local), HK$4=1mile (Overseas)

• No charges on the conversion from DBS$ to miles

• Enjoy 45% off on air flight tickets, hotels or travel packages redemption with DBS$ via iGO Rewards

• Enjoy InstaRedeem DBS$8 equivalent to HK$10 (i.e. Conversion rate of DBS$1 = HK$1.25) on Online / Travel merchant spending

• DBS$ never expires

Online Shopping

• Enjoy InstaRedeem DBS$8 equivalent to HK$10 (i.e. Conversion rate of DBS$1 = HK$1.25) on Online / Travel merchant spending

• More special offer, please refer: https://www.dbs.com.hk/personal-zh/YRO/index.html

Annual Interest Rate and Fees

Annual Principal Fee	HK$3,600
Supplementary Annual Fee	HK$1,800
Fee Waiver
Interest Free Period	Up to 60 days
Annual Interest Rate	36.33%
Late Payment Fees	HK$350 or the minimum payment, whichever is lower, per statement cycle
Minimum Monthly Repayment	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.
Foreign Currency Transaction Fee	1.95%
Foreign Check Fee	N/A
Cash Advance Transaction Fee	4% of cash amount, min. HK$100 fee; and cash advance administration fee: HK$20 each
Overlimit Fee	HK$180

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Minimum Income Requirements

Local Resident	HK$240,000
Foreigner	HK$240,000

Card Association

Mastercard

Wireless Payment

Mastercard contactless

Plan Materials

Terms and Conditions	N/A