Diamond Debit Card
Q: Who can apply for a DBS Diamond Debit Card?
A: Customer who have a HKD multi-currency account (apart from non packaged customers) can apply for a DBS Diamond Debit Card.
Q: I have already have an ATM card, can I still apply a new debit card?
A: Whether you can apply for a new debit card depends on if your existing card is already linked to your HKD multi-currency account.
If you already have a HKD multi-currency account:
- Go to the "ATM/Debit Card" page and click "Apply for New Card".
- If you see a message that there are no available accounts, it likely means you need to replace your existing card instead of applying for a new one.
Q: If the secondary cardholder conducts a transaction, will the primary cardholder be liable for that transaction?
A: Yes, both cardholders are jointly and severally liable with each other for the obligations and liabilities in connection with the debit card.
Q: What should I do if I don’t have an MCY account but would like to apply the new debit card?
A: If you do not have an MCY account but would like to apply for the new debit card, you will first need to open an MCY account at one of our branches.
If you already have an MCY account that is not denominated in HKD (for example, it is in another currency), you will need to perform a foreign exchange transaction to convert your existing MCY account balance to HKD. This is to ensure you have an HKD denominated MCY account, which is required to apply for the new debit card.
Q: Can I apply the new debit card if I don’t have mobile banking?
A: To apply for the new debit card, you need to have DBS mobile banking activated.
If you don't have mobile banking, please register for DBS iBanking first. Then download the digibank HK app and login with your iBanking username and password to activate mobile banking. Please visit Service Demo for details.
Q: Will I have to manually choose a foreign currency account each time I make a transaction?
A: No. When you make a foreign currency transaction, the corresponding foreign currency deposits will be deducted from your account and settled automatically. If you don't have sufficient funds in that foreign currency, it will be converted and settled in Hong Kong dollars.
Q: Why is my transaction in supported currency rejected if I don’t have the supported currency account (e.g. spend with JPY but don’t have a JPY account)? What should I do to conduct such transaction?
A: If you conduct a transaction in supported currency without having the supported currency account in place, the transaction will be rejected. You can first perform a foreign exchange transaction with your HKD multi currency account and the corresponding currency account will be automatically set up. For instance, if you don’t have a JPY account, you can convert any amount of HKD to JPY and your multi-currency account will automatically support JPY transactions from then on.
Q: I just did a POS transaction with my debit card– why can’t I see that transaction on my mobile banking record immediately?
A: This is because POS transactions are only displayed on your mobile banking record when the transaction is posted and transactions usually take one day for the transaction to post (but can also last as long as 30 days after the transaction date depending on when the merchant posts the transaction). Hence if you would like to instantly see your transaction details, you may refer to email or SMS notifications sent to you.
Q: When I make a pre-authorized transaction with my debit card, why is the fund held from my account different from the transaction amount?
A: For specific types of transactions such as transactions at hotels and cinemas, the pre-authorized amount would be 115% of the amount requested by merchant (for example, the merchant requested HK$100, the held amount would be HK$115). The final amount debited from your account will be confirmed when the merchant posts the transaction—if it is aligned with the amount requested by the merchant at the time of pre-authorization (i.e. HK$100), the remaining amount held will be released back to the account (i.e. HK$15).
Q: What types of transactions not supported?
A: Mail Order/Telephone Order, inflight, recurring, ecommerce are not supported as this stage.
Q: What is the amount that will I receive for a reversal/ refund overseas Point-of-Sales (POS) transaction with my debit card?
A: The overseas POS transaction will usually involve currency exchange during settlement. Therefore, if you ask to reverse/ refund the overseas POS transactions, the amount you receive (if any) may be less than the amount debited due to such currency exchange adjustment and/ or handling fees.
Q: Can I provision this card to mobile wallets like Apple Pay/ Google Pay etc?
A: Currently, the new debit card cannot be added to mobile wallets like Apple Pay or Google Pay. However, we are planning to enable Apple Pay support for the card in 2025, so please stay tuned for more updates. Although you cannot add it to Apple/Google Pay yet, you can add the debit card to UnionPay app to conduct QR payment.
Q: What currencies can I spend apart from the 14 currencies?
A: You can spend in currencies supported by UnionPay beyond the 14 currencies offered by DBS. However, any currency exchanges will be done on the spot according to UnionPay's rates. Please refer to the UnionPay acceptance network for the full list of supported currencies at List of Countries/Regions accepting UnionPay Cards.
Q: How to raise a transaction dispute for my Debit Card?
A: If you discover unauthorised transactions in your Debit Card, please call our Customer Service Hotline at (852) 2290 8888 or ask our digibot immediately. You are advised to report the transactions to the Hong Kong Police Force immediately. Please send the case statement to us by email at [email protected] afterwards. Also, you need to block/report loss and replace your Debit Card via DBS digibank HK app.
Q: Can I spend before activating my physical Debit Card?
A: Yes, you will have a cumulative limit of HKD10,000 (or equivalent foreign currency) across all currencies available in your Multi-Currency account. You can bind your card to UnionPay App and start doing QR payments with UnionPay App.
Q: What are the benefits of applying for a debit card via mobile?
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Q: Can I amend my correspondence address for Debit Card application ?
A: Yes, you can amend your correspondence address via DBS iBanking by tapping “Not your current address” on screen during Debit Card application through DBS digibank HK.
This amendment process will take up to 3 working days to reflect the update. You will receive SMS upon successful amendment. You can apply for a new Card Card via "ATM Card Services" on DBS digibank HK thereafter.
Q: Is there a fee for applying Debit Card/ ATM Card via DBS Digibank HK?
A: No, there are no fees and charges for Debit Card/ ATM Card application via DBS Digibank HK.
Q: Is there any annual fee for the DBS Diamond Debit Card?
A: No, you will enjoy $0 annual fees with you DBS Diamond Debit Card.
Q: Are there any handling fees for making overseas purchase with my DBS Diamond Debit Card?
A: No, we will not charge you any handling fees for overseas purchase with your DBS Diamond Debit Card.
Q: How to claim insurance for purchase protection/ unauthorized transaction from CHUBB?
A: For Purchase Protection, You can complete a claim form and submit together with the following required documents to Chubb Insurance Hong Kong Limited within thirty (30) days of the potential loss is discovered or taking place.
- Original receipts / invoices of the Eligible Item including the date of purchase, price, model and proof of payment were charged to the Eligible Card;
- Proof of delivery, including the latest delivery information, proof of postage and tracking information from the Delivery Company and Seller;
- Duly completed claim form;
- Photo(s) of the damaged items showing the extent of the damage;
- Information of the Seller;
- Repair quotation of damaged items; and
- Police report including police reference number in case of a Burglary or Robbery.
For Unauthorized Transaction, You can complete a claim form and submit together with the following required documents to Chubb Insurance Hong Kong Limited within thirty (30) days of the first report date for the Unauthorised Transactions to DBS by You:
- Duly completed claim form;
- Police investigation report including police reference number;
- Your statement of account showing that the Eligible Card is in good standing at the time of making the Claim; and
- Any other relevant documents We may ask You to provide.
Please contact DBS Chubb Insurance Customer Service Hotline (+852) 3191 6618, Mondays to Fridays, 9am – 6:00pm (except public holidays) for further assistance.
Q: How to claim travel insurance from CHUBB?
A: You can complete a claim form and submit together with the travel documents and the following documents as appropriate to Chubb Insurance Hong Kong Limited within thirty (30) days of the event taking place.
Personal Accident
- Medical report or certificate issued by a Physician certifying the degree or severity of disability; and
- Police report, where relevant.
Accidental Death
- Death certificate;
- Coroner’s report;
- Police report, where relevant; and
- In the event of a disappearance, presumption of death as proclaimed by court.
Travel Delay/Baggage Delay/Loss of Baggage
- Official documentation from the airline/Public Conveyance including victim’s name, date, time, duration and reason of delay;
- Original bill/receipt issued by hotel/airline/Public Conveyance; and
- Original bill/receipt of essential clothing and requisites.
Please contact DBS Chubb Insurance Customer Service Hotline (+852) 3191 6618, Mondays to Fridays, 9am – 6:00pm (except public holidays) for further assistance.