^HK$150,000

Min. Annual Salary

1%

Cash back on Online Overseas spend

5%

Cash Back for Designated Online Transaction

All Details

• Key Features

  • Up to 5% Cash Rebate – Reward of Your Choice (Selection List:1. Entertainment & Travel Expert (Include Entertainment Spending and Online Travel Merchant Spending); 2. Fashionista (Include Online Beauty, Fashion & Apparel Spending and Selected Online Merchant Spending); 3. Sustainability & Charity Champion (Including Selected Green Merchants, Social Service Organisations Spending  and Online Charity Donations) )  5% Cash Rebate Reward of Your Choice Selection List: go.dbs.com/hk-lf5list-en

  • 1% Unlimited Cash Rebate for Online Spending in foreign currencies

  • 10 Free Trials for Flexi Shopping

  • iFlexi - up to 90-day Interest-free Repayment Period for Online Transaction

  • Flexi Travel - up to 90-day Interest-free Repayment Period for Overseas and Travelling Transaction

Online Shopping

• Up to 5% Cash Rebate – Reward of Your Choice (Selection List:1. Entertainment & Travel Expert (Include Entertainment Spending and Online Travel Merchant Spending); 2. Fashionista (Include Online Beauty, Fashion & Apparel Spending and Selected Online Merchant Spending); 3. Sustainability & Charity Champion (Including Selected Green Merchants, Social Service Organisations Spending  and Online Charity Donations) )  5% Cash Rebate Reward of Your Choice Selection List: go.dbs.com/hk-lf5list-en

• 1% Unlimited Cash Rebate for Online Spending in foreign currencies

• iFlexi - up to 90-day Interest-free Repayment Period for Online Transaction

Overseas Spending

• Flexi Travel - up to 90-day Interest-free Repayment Period for Overseas and Travelling Transaction

Best Credit Cards

Cash Back

• All retail spending can automatically enjoy a basic 0.4% cash rebate, and online foreign currency purchases can enjoy an unlimited 1% rebate. Together with an 5% rebate of your choosen online spending category, you can enjoy up to 6% rebate!

• 5% Cash Rebate Reward of Your Choice Selection List (Online Foreign Currency Spending; Online Travel Merchant Spending; Online Entertainment Spending; Online Fashion & Apparel Spending; Online Care more Charity Donations)

• 1% Unlimited Rebate for Online Foreign Currency 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 welcome offer of up to HK$500 in rewards:

• ・Retail spending of HK$4,000 or above within 3 months from card issuance date: Enjoy HK$300 “InstaRedeem” Amount + extra HK$100 Cash Rebate

• ・HK$1,000 or above in total for top up amount via Octopus Automatic Add Value Service or “E-Wallet Spending” conducted via PayMe, WeChat Pay and Alipay : Extra HK$100 Cash Rebate

• Existing Customers successfully activate the physical New Card via DBS Card+ within 2 months from card issuance date are entitled to get ：

• ・Extra HK$50 “InstaRedeem” Amount

• ^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 offers are subject to Terms and Conditions. Please refer to go.dbs.com/hk-livefresh-en for details

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

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Annual Interest Rate and Fees

Annual Principal Fee	HK$1,800
Supplementary Annual Fee	HK$900
Fee Waiver	First year annual fee waiver; second year onwards: HKD$1,800
Interest Free Period	Up to 60 days. No interest-free period on cash advance, Balance Transfer, Funds Transfer and bill payment transaction to merchant categories of “Banking and Credit Card Services”, “Credit Card Payment” and/ or “Credit Services”
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	1.95%
Foreign Check Fee	N/A
Cash Advance Transaction Fee	Min HK$100 + HK$20 admin fee
Overlimit Fee	HK$250

Minimum Income Requirements

Local Resident	HK$150,000

Card Association

Mastercard