Key Facts Statement for DBS Credit Cards

Key Facts Statement (KFS) for Credit Card
DBS Bank (Hong Kong) Limited (the “Bank”)

DBS Personal Credit Cards
1 June 2025

This product is a credit card.

This KFS provides you with indicative information about interest, fees and charges of this product but please refer to our relevant credit card terms and conditions for details.
Please read and understand the information in this KFS before you apply for this product. You will be requested to confirm that you have read and understood the information in this KFS when submitting the application.

Interest Rates and Interest Charges
Interest Rate for Retail Purchase^	31.10% when you open your account and it will be reviewed from time to time. The interest rate is the basic interest rate shown as a percentage of the amount borrowed over a year. ^ Internet bill payment, JET payment or bill payment through the Bank’s customer services hotline / mobile application ("Bill Payment") of merchant categories other than "Banking and Credit Card Services", "Credit Card Payment" and/or "Credit Services" are regarded as Retail Purchase. Bill Payment of merchant categories of "Banking and Credit Card Services", "Credit Card Payment" and/or "Credit Services" through DBS Card+ HK mobile application are regarded as Retail Purchase.
Interest Rate for Cash Advance+	29.42% when you open your account and it will be reviewed from time to time. Interest will be charged on the amount of cash advance from the date of the transaction on a daily basis until payment in full. The interest rate is the basic interest rate shown as a percentage of the amount borrowed over a year. +Bill Payment of merchant categories of "Banking and Credit Card Services", "Credit Card Payment" and/or "Credit Services" (except through DBS Card+ HK mobile application) are regarded as Cash Advance.
Annualised Percentage Rate (APR) for Retail Purchase	34.58%* when you open your account and it will be reviewed from time to time. We will not charge you interest if you pay the statement balance in full by the payment due date each month. Otherwise, interest will be charged on (i) the unpaid statement balance from the date after the previous statement date on a daily basis until payment in full and (ii) the amount of each new transaction (entered into since the previous statement date ) from the date such transaction is posted on a daily basis until payment in full. The APR is a reference rate which includes the basic interest rates and other fees and charges of a product (e.g. fee related to Bill Payment to “Security Broker” and Bill Payment to “Banking and Credit Card Services”, “Credit Card Payment” and/or “Credit Services” through DBS Card+ HK mobile application) expressed as an annualised rate. The APR also includes the refund of the fees and charges, if applicable in its calculation.
APR for Cash Advance	35.94% when you open your account and it will be reviewed from time to time. Interest will be charged on the amount of cash advance from the date of the transaction until payment in full. The APR is a reference rate which includes the basic interest rates and other fees and charges of a product (i.e. Cash Advance Fee) expressed as an annualised rate. Although Bill Payment of the merchant categories of "Banking and Credit Card Services", "Credit Card Payment" and/or "Credit Services" (except through DBS Card+ HK mobile application) are regarded as Cash Advance, no Cash Advance Fee is charged on such transaction. Thus, the APR of such transaction is 33.73% which only includes the basic interest rate in the calculation.
Delinquent APR	Not applicable
Interest-Free Period	Up to 60 days No interest-free period on cash advance, Funds Transfer and Bill Payment to merchant categories of “Banking and Credit Card Services”, “Credit Card Payment” and/or “Credit Services” (except pay through DBS Card+ HK mobile application) Interest free period refers to the period of time when no interest is charged on your use of the credit card, so long as payment of the statement balance is received in full on or before the payment due date. The length of the interest free period depends on when a purchase is made within the statement cycle.
Minimum Payment	If the total outstanding balance is HK$300 or above, the minimum payment is the sum of the followings: all charges, fees, costs, expenses, interests and/or finance charges posted to the current statement of the credit card account; any amount in excess of the credit limit incurred after last statement date; and 1% of the statement balance excluding all charges, fees, costs, expenses, interests and/or finance charges posted to the credit 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 is the total outstanding balance.
Fees
Annual Membership Fee	DBS Black World Mastercard / American Express Card Principal Card Supplementary Card	HK$3,600 per card HK$1,800 per card
	Visa Signature Card Principal Card Supplementary Card	HK$2,000 per card HK$1,000 per card
	VISA Platinum / Platinum MasterCard / DBS Live Fresh Card / DBS COMPASS VISA Principal Card Supplementary Card	HK$1,800 per card HK$900 per card
	VISA Gold Principal Card Supplementary Card	HK$550 per card HK$275 per card
	VISA / MasterCard Principal Card Supplementary Card	HK$300 per card HK$150 per card
Cash Advance Fee	Cash Advance Handling Fee: 4% on cash advance amount, minimum HK$100; and Cash Advance Administration Fee: HK$20 per transaction
Fees relating to Foreign Currency Transaction	1.95% of every transaction effected in a currency other than Hong Kong dollar
Fee relating to Settling Foreign Currency Transaction in Hong Kong Dollars	You may sometimes be offered the option to settle foreign currency transactions in Hong Kong dollars at the point of sale overseas. Such option is a direct arrangement offered by the overseas merchants and not the card issuer. In such cases, you are reminded to ask the merchants for the foreign currency exchange rates and the percentage of handling fees to be applied before the transactions are entered into since settling foreign currency transactions in Hong Kong dollars may involve a cost higher than the foreign currency transaction handling fee. For these transactions in Hong Kong dollars made outside Hong Kong, Visa/Mastercard/American Express impose a charge of 1% of the transaction amount on the Bank. We charge the same on you (except for DBS Live Fresh Card). Visa/Mastercard/American Express also impose a charge of 1% of the transaction amount on the Bank for online transactions in Hong Kong dollars with merchants whose place of registration and/or settlement are outside Hong Kong (based on the merchants’ setting), we charge the same on you (except for DBS Live Fresh Card).
Late Payment Fee	HK$350 or the amount of minimum payment, whichever is lower.
Over-the-limit Fee	HK$250 per billing cycle
Returned Payment Fee	HK$120 per returned payment
Additional Information
Fee related to Bill Payment of the merchant category of "Security Broker"	3% on the amount of each transaction
Fee related to fund transfer and bill payment transaction to merchant categories of “Banking and Credit Card Services”, “Credit Card Payment” and/or “Credit Services” through DBS Card+ HK mobile application	Up to 5% on the amount of each transaction (the rate charged is determined based on your account status and creditworthiness)
Paper Statement Fee	HK$240 per customer per annum, if you have received at least one paper statement within the previous calendar year (i.e January to December every year)

* These APRs are calculated based on a modified calculation made by the Bank. The corresponding APRs calculated in accordance with the guidelines issued by the Hong Kong Monetary Authority (“HKMA Guidelines”) are as follow:

APRs based on the modified calculation by the Bank	APRs based on HKMA Guidelines
34.58%	35.94%

For details about the HKMA Guidelines and the modified calculation made by the Bank, please refer to the Annualised Percentage Rate Table posted on the Bank's website go.dbs.com/hk-cardtnc_en.

Illustrative example:

Assumptions
(1) Outstanding Balance =HK$20,000
(2) Interest Rate = 31.10%p.a.
(3) No new transaction
(4) No annual fee and other fees
(5) Repayment are due on the 26th day after the statement date, and it is assumed that repayments are made on or before payment due date

If you make no additional charges using this card and each month you pay…	You will pay off the outstanding balance of HK$20,000 in about…	and you will end up for paying an estimated total of…
only the Minimum Payment	11 years 7 months	HK$57,817
HK$861.13	3 years	HK$31,001 (savings HK$26,816)

Remark: To calculate the above information applicable to your specific case, please use our online calculator accessible from our website / principal Internet platform which provide credit card services at https://www.dbs.com.hk/personal/credit-cards/repayment-calculator.page .

The Chinese version of this KFS is for reference only. The English version will prevail if there is any inconsistency between the English and Chinese versions.

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

	
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