Up to 32,000 miles

Welcome Offer

HK$2/mile

Upon meeting overseas spending goal*

2,000 miles

Octopus Card AAVS Rebate

All Details

• Key Features

  • Welcome offer: Up to 32,000 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

  • Spending Instalments
    •Exclusive Offer for DBS Black World Mastercard® : Enjoy 50% one-off handling fee rebate for 3 times upon successful application for 3 to 12-month Flexi Shopping instalments via DBS Card+ app for a single transaction of HK$500 or above at hotels, airlines and travel agencies.
    •Auto Flexi Shopping Offer: Set up an Auto Flexi Shopping instruction and successfully apply for 3 to 12-month Flexi Shopping instalments according to the relevant Instruction, you will receive a one-off handling fee rebate for 3 times.
    •Terms and Conditions apply to the Flexi Shopping offers above. For details, please refer to go.dbs.com/hk-fs-en.
    

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

• New Customers who reload their Octopus via the Octopus Automatic Add-Value Services, or “E-Wallet Spending” (definition as per clause 11) conducted via PayMe, WeChat Pay and Alipay, and the accumulated reloaded amount is HK$1,000 or above with the New Card within the Spending Period, are entitled to 2,000 miles

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

• Worldwide travel privilege including airport limousine transfer service airport lounge & express pass and luggage delivery

Overseas Spending

• HK$2 = 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.

Best Credit Cards

• HK$2=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

Welcome Offers

• New Customers^ who fulfilled the relevant spending requirements within 3 months from the card issuance date (“Spending Period”), register and activate DBS Card+ account and activate physical New Card within 2 months of the New Card issuance date, can enjoy the first-year annual fee waiver and welcome offer up to 32,000 miles:

• Successfully apply for Flexi Shopping 3 to 12-month instalments via DBS Card+ app within 3 months after the new card issuance, enjoy a one-off handling fee rebate up to HK$200.

• Accumulate designated spending amount in the first 3 months: Up to 30,000 miles

• New Customers who reload their Octopus via the Octopus Automatic Add-Value Services, or “E-Wallet Spending” (definition as per clause 11) conducted via PayMe, WeChat Pay and Alipay, and the accumulated reloaded amount is HK$1,000 or above with the New Card within the Spending Period, are entitled to 2,000 miles

• Terms and Conditions apply to Credit Card New Customer Flexi Shopping Offer. For details, please refer to go.dbs.com/hk-fscarde.

• “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 DBS Bank (Hong Kong) Limited.

• # Cardholders must register for “DBS Black World Mastercard® Overseas Spending As Low As HK$2 = 1 Mile Reward” via DBS Card+ app successfully during the Promotion Period. The Promotion Period is from 1 Jan to 31 Dec 2025. Eligible Spending will be counted from the next calendar date from Successful Registration. Cardholders must accumulate Eligible Spending to achieve Spending Goal of HK$20,000 in a certain calendar month, the Eligible Overseas Spending can earn Extra Reward to enjoy as low as HK$2 = 1 mile in such calendar month. The Extra Reward for each calendar month is capped at DBS$240 for each Cardholder, while the total Extra Reward for the Promotion Period is capped at DBS$2,880 for each Cardholder. For details, please visit go.dbs.com/hk-black-distinction-en.

• 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!

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

Promotion

Earn SmartPoints
MoneySmart Exclusive
Apple Gift Card Promo

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