^HK$100,000

Min. Annual Salary

1%

Cash back on designated local spend

HK$10 = 1 Mile

Miles Conversion (local spend)

All Details

• Key Features

  • Lower salary requirement (HK$100,000)

  • Up to 10% COMPASS Dollar Rebate on local supermarkets spending every Wednesday

  • Join the “COM-To-Play” Mini Game to win up to $5,000 COMPASS Dollar upon designated spendings

  • 0.4% COMPASS Dollar rebate on retail spendings

Bill Payment

• Autopay service available for HKElectric

• Pay other utility bills through Alipay to earn 0.4% COMPASS Dollar rebate

Annual Fee Waiver

• Get first year annual fee waiver of HK$1,800

• Apply for an annual fee waiver by calling DBS customer service hotline: 2290 8888

Online Shopping

• Spend at the online store or the respective mobile applications of local supermarkets and to earn up to 10% COMPASS Dollar rebate with COMPASS VISA every Wednesday

Cash Back

• Up to 10% COMPASS Dollar Rebate on local supermarkets spending every Wednesday

• Join the “COM-To-Play” Mini Game to win up to $5,000 COMPASS Dollar upon designated spending

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 the following welcome offer :

• Accumulate retail spending of HK$4,000: HK$250 Local Supermarket or Taobao InstaRedeem Discount

• To reload the Octopus via the Octopus Automatic Add-Value Services and the accumulated reloaded amount is HK$1,000 or above or successfully apply for Flexi Shopping Programme (of any amount) with 12 or more monthly instalments with the New Card within the Spending Period: extra HK$100 Cash Rebate

• 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 Compass Visa Card issued by the Bank (“Existing Customers ”).

• Credit Card Offers are subject to Terms and Conditions, please refer to go.dbs.com/hk-cv-en for details

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

Best Credit Cards

• Minimum annual salary = HK$100,000

• Air Miles (Local) = HK$10 / Mile

• Up to 10% COMPASS Dollar Rebate on local supermarkets spending every Wednesday

• Join the “COM-To-Play” Mini Game to win up to $5,000 COMPASS Dollar upon designated spending

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Annual Interest Rate and Fees

Annual Principal Fee	HK$1,800
Supplementary Annual Fee	HK$900
Fee Waiver
Interest Free Period	1% of monthly balance + fees
Annual Interest Rate	34.58%
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	N/A
Foreign Check Fee	N/A
Cash Advance Transaction Fee	Min HK$100 + HK$20 admin fee
Overlimit Fee	HK$180

Minimum Income Requirements

Local Resident	HK$100,000
Foreigner	HK$100,000

Card Association

Visa

Wireless Payment

Visa payWave