For Key Facts Statement of "Flexi Shopping Programme", please click here.
Flexi Shopping – Split Freely Pay Easy
Live more in the future of shopping with Flexi Shopping Programme ("Flexi Shopping”). Spend with your DBS Credit Cards and apply for Flexi Shopping via DBS Card+ app straight away. Split bills and choose an instalment plan from 3 to 60 months in 2 easy steps. You can even combine multiple credit card transactions into a single instalment plan. With the new Auto Flexi Shopping function, transactions will automatically be split into instalments to make repayment easier!
For one-off handling fee, please click here for details.
Product Features:
One-off handling fee or monthly interest payment options
With spending amount HK$500 or above, split your purchase with one-off handling fee as low as HK$20
Flexible repayment period from 3 to 60 months
Select any number of transactions from any merchants
Split eligible purchases in 2 easy steps.
No document required with online express approval
Set up an Auto Flexi Shopping instruction to automatically convert your spending into instalments
Auto Flexi Shopping Function
You can flexibly set up Auto Flexi Shopping instructions with your choice of credit card, transaction amount range, tenor and instruction expiry date. When you make a purchase with the selected credit card that matches the single transaction amount in your Auto Flexi Shopping instruction, an application to convert that transaction into Flexi Shopping instalments based on your chosen tenor will be automatically submitted!
How to Set Up Auto Flexi Shopping Instructions with DBS Card+ App
Year-Round Offer
You can enjoy one-off handling fee rebates upon successful application for Flexi Shopping via DBS Card+ app with your applicable DBS Credit Card!
Learn more
Limited time offer of Flexi Shopping charging monthly interest
Customers can enjoy cash rebate* by successfully applying for Flexi Shopping that charges monthly interest^ during 1 March 2025 to 31 March 2025 (“Promotion Period")!
- Enjoy up to HK$2,700 cash rebate
During the Promotion Period, Cardholders who successfully convert the transactions of any applicable DBS Credit Cards (one or multiple transactions) to Flexi Shopping Programme that charged monthly interest via DBS Card+ app^ ("Eligible Instalment”), if the transaction amount of the Eligible Instalment (“Transaction Amount”) and repayment period of the Eligible Instalment fulfil the requirement in below table, can enjoy up to HK$2,700 cash rebate!
Details:
| Transaction Amount | Cash Rebate | |
| Number of Instalments 18-24 months (“Repayment Period Group 1”) | Number of Instalments 30-60 months (“Repayment Period Group 2”) | |
| HK$50,000 to below HK$100,000 | HK$100 | HK$200 |
| HK$100,000 to below HK$200,000 | HK$350 | HK$700 |
| HK$200,000 or above | HK$900 | HK$1,800 |
^Successful conversion of Eligible Instalment means that the first instalment of the Flexi Shopping Programme is posted to the Applicable Credit Card account during the Promotion Period.
*Each Cardholder can enjoy the Cash Rebate of each repayment period group once under this Promotion. Cash Rebate will be credited to the Cardholder ’s Applicable Credit Card account within 6 months after the end of the Promotion Period and shown in the monthly statement. Promotion bounded by terms and conditions
The terms and conditions relating to this promotion campaign is available for download at our website from now until 1 month after the end of the promotional period. Customers may not be able to access or download such version of the information subsequent to the expiry of the specified timeframe. You are advised to download and store a copy for future reference. If you do not agree or have no online access to the terms and conditions, you may contact our Customer Services and request for a physical copy within the above-mentioned timeframe.
Apply for Flexi Shopping nowProduct Key Facts Statement of Flexi Shopping Programme
- For Terms and Conditions of “Flexi Shopping Programme”, please click here for details.
More fabulous offers:
For new Flexi Shopping customers up to HK$150 one-off handling fee rebate
Promotion Period：
1/1/2025 – 31/3/2025
Auto Flexi Shopping Offer: Enjoy up to HK$100 rebate
Promotion Period：
10/7/2024 – 30/9/2024 (Extended to 31/3/2025)
Enjoy up to HK$100 one-off handling fee rebate of Flexi Shopping at Wilson and a chance to win up to 100% Spending Cash Rebate
Promotion Period：
1/12/2024 – 28/2/2025
【Exclusive for Live Fresh Card】Enjoy Flexi Shopping instalment 10 times for FREE
Promotion Period：
1/1/2025 – 31/12/2025
For Flexi Shopping that charged one-off handling fee
Pay only the one-off handling fee for 3/6/12-month instalments. No extra charges!
For one-off handling fee, please click here for details.
For Flexi Shopping that charged monthly interest
You can enjoy extra flexibility on your credit card spending by splitting it from 6 to 60-month instalments. Application amounts as low as HK$2,000 for interest fee plan. Personalised preferential monthly rate as low as 0.13%*!
Example:
Assume repaying a credit card transaction of HK$10,000 by 18 months with a monthly flat rate of 0.13%, the daily interest is as low as HK$0.43*.
| Monthly Instalment Amount | Monthly Interest Fee | Monthly Repayment Amount | ||
|---|---|---|---|---|
| HK$555.56 (HK$10,000 /18) |
+ | HK$13 (HK$10,000 x 0.13%) |
= | HK$568.56 |
* The above example is based on 365 days per year, a monthly flat rate at 0.13% while the daily interest is as low as HK$0.43 (HK$10,000 x 0.13% ÷ 30) and the Annualised Percentage Rate (APR) is 2.98%. The APR is calculated in accordance with the guidelines issued in respect of the Code of Banking Practice. The daily interest is rounded to the nearest 1 decimal place.
Application channels
1) DBS Card+ app
- Select “Spending” page > Select Card
- Select “Card” page > Select Card > Spending Instalment
- Select “More” page > Spending Instalment
2) Application Hotline for one-off handling fee plan: 2233 1888
For applying 6/12-month Flexi Shopping and applicable for Flexi Shopping that charged one-off handling fee and accept application with single transaction only and single transaction amount must be HK$500 or above. Multiple transaction is not allowed for this channel.
3) Application Hotline for monthly interest fee plan: 2290 8333
For all DBS credit cardholders who applying 6-60-month Flexi Shopping that charged monthly interest
| Transaction Amount | HK$500 to HK$300,000 |
| Tenor | 3, 6, 12 |
| Type of Flexi Shopping | For Flexi Shopping that charged one-off handling fee |
| Application Channel | 1. DBS Card+ app ### 2. Application hotline 2233 1888 *** |
| Remarks |
### If you apply the eligible transaction made by DBS Black American Express® Card or eligible transaction of “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” promotion made by DBS Live Fresh Card, you can only apply Flexi Shopping with single transaction only, multiple transaction selection is not allowed. ***Only applicable for Flexi Shopping 6 or 12-month instalments. This channel only accept application with single transaction only, multiple transaction selection is not allowed. |
| Transaction Amount | HK$2,000 or above |
| Tenor | 6 to 60 |
| Type of Flexi Shopping | For Flexi Shopping that charged monthly interest |
| Application Channel | 1. DBS Card+ app &@ 2. Application hotline 2290 8333 |
| Remarks |
& For transaction amount HK$300,000 or below: Only 18 to 60-months instalments is applicable. If cardholder would like to apply for 6 or 12-month instalments, please call application hotline at 2290 8333; For transaction amount HK$300,000 above: 6 to 60-month instalments is available. @ If you apply the eligible transaction made by DBS Black American Express® Card or eligible transaction of “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” promotion made by DBS Live Fresh Card, you can only apply Flexi Shopping with single transaction only, multiple transaction selection is not allowed. |
How To Apply For Flexi Shopping with DBS Card+ App
Notes
General Notes:
- All Flexi Shopping applications should be completed 6 working days before the payment due date printed on the monthly statement. Otherwise, you are required to first settle payment for the relevant Eligible Transaction in full before the payment due date. Once the application for the Programme is successful, the payment you made for the relevant Eligible Transaction will be credited to your Card Account and the relevant Eligible Transaction will be converted into a Flexi Shopping Transaction and net-off the statement balance in the following month.
- If the transactions that you have applied for Flexi Shopping cannot be converted into instalment transactions before the monthly statement is issued, and you have arranged “Autopay” service for your credit card account, you can call the customer service hotline 2290 8888 at least two business days before payment due date to inquire whether payment instruction can be amended or not.
- If you apply to convert eligible transaction made by DBS Black American Express® Card or eligible transaction of “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” promotion made by DBS Live Fresh Card into instalment transactions via DBS Card+ app, you can only apply for Flexi Shopping with a single transaction only. If you apply for Flexi Shopping that charges one-off handling fee, that single transaction amount must be HK$500 or above. If you apply for Flexi Shopping that charges monthly interest, that single transaction amount must be HK$2,000 or above (Log in to DBS Card+ app > choose “Spending” page > select eligible transaction to start your application Journey).
- Maximum 500 eligible transactions can be selected in a single application via DBS Card+ app.
- After the online application is successfully submitted, you will receive an email for your application. If there is any discrepancy between the information you submitted and the bank's record, the bank will contact you to follow up before the payment due date of the relevant transaction.
Notes for Flexi Shopping Programme that charges one-off handling fee
- Only applicable for spending amount of HK$500 to HK$300,000 (single application). If the application amount is more than HK$300,000, please select Flexi Shopping that charges monthly interest.
Notes for Auto Flexi Shopping
- Auto Flexi Shopping Instruction can be cancelled any time after setting up.
- After setting up Auto Flexi Shopping Instruction, when you spend with the credit card based on your instruction and the amount of a single spending falls within the Transaction Amount Range in your instruction, we will automatically submit an application for Flexi Shopping Programme for you to convert the relevant transaction to Flexi Shopping instalments based on your chosen tenor.
- Auto Flexi Shopping Instruction shall be of continuing nature before the expiry date which you assigned in the instruction (unless cancelled by you or suspended by us when there are changes to the prevailing terms and conditions and/or fees and charges which will be accepted by you later).
- The approval of your Flexi Shopping Programme application is subject to the available credit limit and status of your credit card account and our final decision. A confirmation letter will be issued for your records after we have processed the Flexi Shopping Programme application.
Notes for Flexi Shopping Programme that charges monthly interest
- Not applicable for spending amount of HK$300,000 or below for 6 or 12-month Flexi Shopping that charges monthly interest for application through DBS Card+ app. Please select Flexi Shopping that charges one-off handling fee.
- If you choose to pay off the “Monthly Interest Fee Plan” early, you are not able to save any interest because interest payable for the remaining term of the “Monthly Interest Fee Plan” which is embedded in the monthly instalment amount shall still be payable.
- The personalised interest rate offer that customers can enjoy depends on the financial situation of individual customers. The Bank reserves the right to determine the customer's personalised interest rate offer. Please visit DBS Card+ app or call the Application Hotline 2290 8333 for your applicable personalised interest rate offer and terms and conditions.
Terms and Conditions
Flexi-shopping Terms and Conditions (Applicable to Flexi-Shopping Programme approved on or before 25 April 2022 only)
Terms and Conditions for Fee Based Instalment Programme (Applicable for Fee Based Instalment Programme approved on or before 25 April 2022 only)
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Reminders about Responsible Borrowing
- You should have a clear understanding of your financial condition, daily expenses, and actual borrowing needs.
- You should assess your repayment ability and avoid over-borrowing.
- You should repay any outstanding balance on time to avoid late payment charges and additional overdue interest.
- To borrow or not to borrow? Borrow only if you can repay!
