Top Up Loan

^*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.

^{^}Only applicable to applicant who applies through DBS Card+ and chooses to receive the loan amount through Faster Payment System (“FPS”). The loan amount can be instantly transferred to the recipient bank. The actual time of crediting the fund to applicant’s bank account depends on the recipient bank’s arrangement. Approval of application or not depends on the applicant's financial condition and is solely determined by us.

1. "Top Up Loan" is only applicable to existing Personal Loan customers.
2. Customers are eligible to apply for "Top Up Loan" if a minimum of one instalment is repaid and the repaid principal amount is over HK$5,000 with a punctual repayment record maintained.
3. If your application is approved, DBS Bank (Hong Kong) Limited (the "Bank") will grant you a new personal loan. The newly approved loan amount will first be used to settle the total outstanding balance of your existing loan account. The Bank will waive the early settlement administrative fee. The remaining balance will be credited to your direct debit account.
4. The final approved loan amount, interest rate and instalment period is subject to the financial condition of the customer. The Bank has the absolute discretion in approving the application.
5. The Bank reserves the right to vary these terms and conditions. In the event of dispute, the decision of the Bank shall be final and conclusive.
6. 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.
7. If there is any inconsistency or conflict between the English and Chinese versions, the English version shall prevail.

If a customer decides to early pay off the loan, customer should assess whether the Early Settlement Administrative Fee outweighs the interest saved. To facilitate the assessment, customer can refer to “Personal Loans FAQ” on the Bank’s website for illustration. For details of such administrative fee, please refer to the Personal Instalment Loan Terms and Conditions.

For Terms and Conditions for Direct Credit Authorization (for Loan Disbursement) and Direct Debit Authorization (for Loan Repayment), please click here.

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.