For Key Facts Statement for Cashline Revolving Loan, please click here.
Cashline Revolving Loan
No income proof required. With a pre-approved line of credit, you have the flexibility to withdraw cash only when you need it.
Enjoy up to HK$300 InstaRedeem amount* upon successful application to offset your spending at merchants around the globe via DBS Card+^!
DBS has launched a Personal Loan referral programme. For every successful referral, the referrer will be eligible for a HK$700 reward. For details, please click here.
*Terms and conditions apply. For details, please click here.
(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.)
For terms and conditions of preceding month’s promotion, please click here.
^For details of how to use InstaRedeem and register for DBS Card+ account, please click here.
Act Now!
Online Application |
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Apply via Phone |
Call Personal Loans Hotline at (852) 2290 8111 |
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The online application will not be processed in real time and is not for urgent submission of information. Should you have any enquiry, please contact our 24-hour hotline at (852) 2290 8888.
Features
Promotional Annual Rates as low as 4.91%
(Annualised Percentage Rate 5.34%)1
Loan amount up to 12x of your monthly salary
or HK$800,000
(whichever is lower)
Interest is charged on a daily basis on the amount drawn
Promotional interest rate for the first 4 months
No fixed repayment period
No need to reapply for credit
you can focus on achieving your goals
Documents Required & How to Upload
Please submit photocopies of required documents to facilitate our processing of your application. Documents submitted, together with the application form, will not be returned.
Documents Required & Upload Here
Eligibility
Applicants must be a Hong Kong Resident aged 18 or above with a minimum annual income of HK$80,000
Interest Rate Table
| Revolving Credit Limit (HK$) | Annual Rate (Annualised Percentage Rate 3) | |
|---|---|---|
| Promotional Interest Rate First 4 months 1 |
Normal Interest Rate 5th month onward2 |
|
| HK$10,000 - HK$19,999 | 4.91% (5.34%) | 11.66% (12.64%) |
| HK$20,000 - HK$49,999 | 10.66% (11.53%) | |
| HK$50,000 - HK$99,999 | 8.66% (9.34%) | |
| HK$100,000 - HK$299,999 | 7.66% (8.26%) | |
| HK$300,000 or above | 6.41% (6.92%) | |
The above information is for reference only. The final approved interest rate is subject to the financial condition of the customer.
Repayment Schedule Calculator
Use the Repayment Schedule Calculator to calculate your repayment amount.
Calculate NowRegister for eStatement service
Register for DBS iBanking account to use the eStatement service. DBS iBanking also allows you to access information of your Cashline account any time!
1. Not yet registered/activated your DBS iBanking? Please visit Service Demo for details.
2. Login to DBS iBanking
3. Select "eStatement" under "My Accounts", then select "Manage eStatement/eAdvice"
4. Choose to receive an e-Copy for your selected account
Other Loan Products
Remarks
- Promotional Interest Rate for the first 4 months is only applicable to new customers of Cashline Revolving Loan (“Cashline”). New customer refers to a person who is not a holder of a Cashline account on the date of application of Cashline. The 4-month promotional period starts from the Cashline account opening date and ends on the 4th statement date.
- In case of any late repayment, the interest rate will automatically be switched to the corresponding interest rate of the 5th month onwards plus 5% per annum surcharge commencing on the late repayment date.
- The Annualised Percentage Rate ("APR") is calculated in accordance with the guidelines issued in respect of the Code of Banking Practice. Interest is calculated on the basis of a 365-day year.
- An annual fee will be levied for Cashline account. The 1st year annual fee will be waived and from the 2nd year onwards, 1.5% of the credit limit, subject to a minimum of HK$300 and a maximum of HK$1,500.
- The approval of the final interest rate and credit limit is subject to the financial condition of the customer. The Bank has the absolute discretion in approving the application.
- With effect from 22 April 2022, we have ceased the “WhatsApp us” enquiry service. Should you have any enquiry, please call our Personal Loans Hotline at (852) 2290 8111.
- We reserve the right to request an income proof for application approval.
- The English version shall prevail if there is any inconsistency between the English and Chinese versions.
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!
Personal Information Collection (PIC)
DBS Bank (Hong Kong) Limited safeguards your data in accordance with applicable Hong Kong laws. We only use the data we collect in accordance with our Data Policy which explains the data collection purposes, the persons to whom we may transfer data, your data access and correction rights and how you may contact our Data Protection Officer.
