For Key Facts Statement of Instant Cash, please click here.
Instant Cash
Instant Cash offers two flexible financing options – Cash Instalment Loan (that is "Call-a-loan" service) and Revolving Loan (that is "Funds Transfer" service) – to allow you to get cash with DBS online express approval.
Latest Promotion Offer
Cash Instalment Loan (that is “Call-a-loan” service)
During the promotion period, apply for Cash Instalment Loan (that is “Call-a-loan” service) online with credit limit increase simultaneously to get more cash with instant approval~. Enjoy monthly flat rate as low as 0.11% (APR as low as 2.50%) and up to HK$6,600 cash rebate upon successful application for both at the same time. Details
Offer 1: Apply for Cash Instalment Loan (that is “Call-a-loan” Service) via online to get up to HK$6,200 cash rebate#
Offer 2: New DBS credit card customers## / New Instant Cash Instalment Loan customers can enjoy a cash rebate of 6 months interest# upon successful application for the first Cash Instalment Loan (that is “Call-a-loan” service) via DBS Card+
Offer 3: Online permanent increase in combined credit limit and cash out to get HK$400 cash rebate+
Revolving Loan (that is “Funds Transfer” service)
During the Promotion Period, apply for Revolving Loan (that is “Funds Transfer” service) online with credit limit increase simultaneously to get more cash with instant approval~. Enjoy cash rebate of up to HK$2,900 upon successful application for both at the same time. DetailsOffer 1: Apply for Revolving Loan ("Funds Transfer" service) via online to enjoy up to HK$2,500 cash rebate^
Offer 2: Online permanent increase in combined credit limit and cash out to get HK$400 cash rebate+
~In response to individual circumstances, customers may not be able to instantly increase their credit limit without submitting documents. In this case, customers may submit an application with the required documents to DBS Bank (Hong Kong) Co., Ltd. ("the Bank") through the designated website for increasing the credit limit. The Bank reserves the right to approve the application for permanent increase in combined credit limit.
#Cash rebate entitled by the customer depends on the cash out amount of the loan approved and tenor of "Call-a-loan" Online Instalment Cash Service. If customers are eligible for both the “Apply for Cash Instalment Loan (that is “Call-a-loan” Service) via online to enjoy up to HK$6,200 cash rebate” and the “New DBS Credit Card Customer / New Instant Cash Instalment Loan user can enjoy a cash rebate of 6 months’ interest” simultaneously, the eligible customer will be entitled to the offer with higher cash rebate once from the 2 promotions. The following terms & conditions apply to the promotion offer:
- Terms and Conditions for "Call-a-loan" Online Instalment Cash Service get up to HK$6,200 "Cash Rebate" promotion
- Terms and Conditions for New DBS Credit Card Customer / New Instant Cash Instalment Loan user, enjoy 6 months Interest “Cash Rebate” of the first "Call-a-loan" Instalment Cash Promotion
- Terms and Conditions for general promotional offer of "Call-a-loan”
##New DBS Credit Card 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 DBS Bank (Hong Kong) Co., Ltd. ("the Bank").
+The offer is subject to Terms & Conditions, please click here for details.
"Funds Transfer Program" is the product provided under Revolving Loan plan.
^Cash rebate entitled by the customer depends on the approved loan amount (transfer amount) and monthly statement’s Finance Charges of “Funds Transfer" Online Cash Service. The following terms & conditions apply to the promotion offer:
- Terms and Conditions for "Funds Transfer" Online Cash Service get “Cash Rebate” promotion (up to HK$2,500)
- Terms and Conditions for general promotional offer of “Funds Transfer”
Online Instant Increase in Combined Credit Limit
Feature
- Instantly apply for credit limit increase and display the approval result immediately~
~In response to individual circumstances, customers may not be able to instantly increase their credit limit without submitting documents. In this case, customers may submit an application with the required documents to DBS Bank (Hong Kong) Co., Ltd. ("the Bank") through the designated website for increasing the credit limit. The Bank reserves the right to approve the application for permanent increase in combined credit limit.
CREDIT LIMIT INCREASE APPLICATION HAS NEVER BEEN EASIER
Please log in to DBS Card+ app. Tap “Borrow” and choose “Instant Cash” and follow below instructions to increase the combined credit limit:
Cash Instalment Loan (that is “Call-a-loan” service)
Enjoy up to HK$6,200 cash rebate#
New DBS Credit Card Customers / New Instant Cash Instalment Loan Customers can enjoy a cash rebate of 6 months’ interest #
Features
- Personalised preferential interest rate1, APR as low as 2.50%2
- Repayment period of 6 to 60 months
- Online express approval3with no documents needed and instant cash disbursement*
(If your application does not meet the requirements of instant approval, we will review it case-by-case and follow up with you by phone.) - Automatically consolidate existing DBS Credit Card Cash Instalment loan to cash out more4
Cash Instalment Loan (that is “Call-a-loan” service) Special Offer
Instant cash in any bank account*. Apply for Cash Instalment Loan online for faster cash from your credit card to enjoy up to HK$6,200 cash rebate#! Click here for more details.
Promotion Period: 1 Mar to 31 Mar 2025
Card Issued in Minutes^ Instant Cash Out
New DBS credit card customers## / New Instant Cash Instalment Loan customers can enjoy a cash rebate of 6 months interest# upon successful application for the first Cash Instalment Loan (that is “Call-a-loan” service) via DBS Card+! Click here for more details.
Promotion Period: 1 Mar to 31 Mar 2025
"Call-a-loan" service is the product provided under Cash Instalment Loan plan.
#Cash rebate entitled by the customer depends on the cash out amount of the loan approved and tenor of "Call-a-loan" Online Instalment Cash Service. If customers are eligible for both the “Apply for Cash Instalment Loan (that is “Call-a-loan” Service) via online to enjoy up to HK$6,200 cash rebate” and the “New DBS Credit Card Customer / New Instant Cash Instalment Loan user can enjoy a cash rebate of 6 months’ interest” simultaneously, the eligible customer will be entitled to the offer with higher cash rebate once from the 2 promotions. The following terms & conditions apply to the promotion offer:
- Terms and Conditions for "Call-a-loan" Online Instalment Cash Service get up to HK$6,200 "Cash Rebate" promotion
- Terms and Conditions for New DBS Credit Card Customer / New Instant Cash Instalment Loan user, enjoy 6 months Interest “Cash Rebate” of the first "Call-a-loan" Instalment Cash Promotion
- Terms and Conditions for general promotional offer of "Call-a-loan”
*Only applicable to customers who use Faster Payment System to receive the loan payment. The loan payment will be instantly transferred to the recipient bank. The crediting to the recipient account will be subject to the recipient bank’s handling.
^Credit card application may not be approved instantly through DBS Card+ for some individual reasons. DBS Bank (Hong Kong) Co., Ltd. ("the Bank") may request other documents from you, like address proof and income proof, for application approval. The credit card application is subject to the Bank’s final approval.
##New DBS Credit Card 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.
Remarks for "Call-a-loan" service:
- The personalized preferential interest rate that customers can enjoy depends on the financial situation of individual customers. DBS Bank (Hong Kong) Co., Ltd. ("the Bank") reserves the right to determine the customer's personalized preferential interest rate. Please click "Apply Now" or call Application Hotline 2290 8333 to enquire for the personalized preferential interest rate and the related fee.
- Personalized preferential monthly flat rate as low as 0.11% (Annualized Percentage Rate (“APR”) is 2.50%), is only applicable to selected customers and for reference only; The APR is calculated in accordance with the guidelines issued by the Hong Kong Monetary Authority in respect of the Code of Banking Practice.
- Due to individual circumstances, the online application may not be approved instantly. In this case, the Bank will contact the customer to follow up the application within 2 working days. The customer may need to provide additional documents for approval.
- Final loan amount and cash out amount will be approved subject to credit card account status. System will automatically consolidate existing DBS credit card cash Instalment loan according to the status of individual DBS credit card.
- The application of "Call-a-loan" service should be bound by related terms and conditions. For details, please refer to the Terms and Conditions of "Call-a-loan" service or call Application Hotline 2290 8333.
- If you choose to pay off the "Call-a-loan" early, you are not able to save any interest because interest payable for the remaining term of the "Call-a-loan", which is embedded in the monthly instalment amount shall still be payable.
"Call-a-loan" service is the product provided under Cash Instalment Loan plan.
How to Apply |
|
|---|---|
| Apply Online | Apply for “Call-a-loan” service now |
| Application Hotline | 2290 8333 |
Remarks:
- If your application is approved, you will receive a confirmation letter. If you are a DBS Card+ app user, the electronic confirmation letter will be issued via DBS Card+. You can view the confirmation letter under DBS Card+ “eLetter” function. If you are not a DBS Card+ app user, the confirmation letter will be sent to you by post. Please view the Terms and Conditions for Credit Card Instant Cash - Cash Installment loan [Call-a-loan] service (“T&Cs”)and Key Facts Statements either from our website or the link(s) provided in the confirmation letter. T&Cs are subject to revision from time to time. Prevailing version of the T&Cs is available at our website until 30 days from the effective date of a new version. You 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 to receive the confirmation letter via eLetter or have no online access to the electronic confirmation letter, the T&Cs and Key Facts Statement, please send an email to creditcard.hk@dbs.com or call our Customer Service Hotline at 2290 8888 to instruct us otherwise.
- If you are DBS Card+ user, you can login the DBS Card+ app, tap “eDocument” under “Cards” tab and choose “eLetter” to view your electronic confirmation letter of Credit Card Instant Cash - Cash Installment loan [Call-a-loan].
Revolving Loan (that is “Funds Transfer” service)
Enjoy up to $2,500 cash rebate^
Features
- Personalised preferential interest rate1 as low as 3.8%2
- Flexible repayment as low as the minimum payment of credit card monthly statement
- Online express approval3 with no documents needed and instant cash disbursement*
(If your application does not meet the requirements of instant approval, the bank will review it case-by-case and follow up with you by phone.)
Revolving Loan (that is “Funds Transfer” service) Special Offer
Instant cash in any bank account*. Apply for Revolving Loan online for faster cash from your credit card to enjoy up to HK$2,500 cash rebate^! Click here for more details.
Promotion period: 1 Mar to 31 Mar 2025
“Funds Transfer” service is the product provided under Revolving Loan plan.
^Cash rebate entitled by the customer depends on the approved loan amount (transfer amount) and monthly statement’s Finance Charges of “Funds Transfer" Online Cash Service. The following terms & conditions apply to the promotion offer:
- Terms and Conditions for "Funds Transfer" Online Cash Service get “Cash Rebate” promotion (up to HK$2,500)
- Terms and Conditions for general promotional offer of “Funds Transfer”
*Only applicable to customers who use Faster Payment System to receive the loan payment. The loan payment will be instantly transferred to the recipient bank. The crediting to the recipient account will be subject to the recipient bank’s handling.
Remarks for "Funds Transfer" service:
- The personalized preferential interest rate that customers can enjoy depends on the financial situation of individual customers. The Bank reserves the right to determine the customer's personalized preferential interest rate. Please click "Apply Now" or call Application Hotline 2290 8333 to enquire for the personalized preferential interest rate and the related fee.
- Annual interest rate of 3.8%, its Annualized Percentage Rate (“APR”) is 3.87%, and for reference only. The APR is calculated in accordance with the guidelines issued by the Hong Kong Monetary Authority in respect of the Code of Banking Practice.
- Due to individual circumstances, the online application may not be approved instantly. In this case, the Bank will contact the customer to follow up the application within 2 working days. The customer may need to provide additional documents for approval.
- The application of "Funds Transfer" service should be bound by related terms and conditions. For details, please refer to the Terms and Conditions of "Funds Transfer" service or call our Application Hotline on 2290 8333.
“Funds Transfer” service is the product provided under Revolving Loan plan.
How to Apply |
|
|---|---|
| Apply Online | Apply for “Fund Transfer” service now |
| Application Hotline | 2290 8333 |
Remarks:
- If your application is approved, you will receive a confirmation letter. If you are a DBS Card+ app user, the electronic confirmation letter will be issued via DBS Card+. You can view the confirmation letter under DBS Card+ “eLetter” function. If you are not a DBS Card+ app user, the confirmation letter will be sent to you by post. Please view the Terms and Conditions for “Funds Transfer” service (“T&Cs”)and Key Facts Statements either from our website or the link(s) provided in the confirmation letter. T&Cs are subject to revision from time to time. Prevailing version of the T&Cs is available at our website until 30 days from the effective date of a new version. You 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 to receive the confirmation letter via eLetter or have no online access to the electronic confirmation letter, the T&Cs and Key Facts Statement, please send an email to creditcard.hk@dbs.com or call our Customer Service Hotline at 2290 8888 to instruct us otherwise.
- If you are DBS Card+ user, you can login the DBS Card+ app, tap “eDocument” under “Cards” tab and choose “eLetter” to view your electronic confirmation letter of Credit Card Instant Cash - Revolving Loan [Funds Transfer].
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!
