Fee rebates for Flexi Shopping

For Key Facts Statement of "Flexi Shopping Programme", please click here.

During the promotion period, you can enjoy one-off handling fee rebates upon successful application for Flexi Shopping via DBS Card+ app (“DBS Card+”)!

You can enjoy 50% one-off handling fee rebate on your first 3 designated transactions upon successful application for 3, 6 or 12-month Flexi Shopping (charging one-off handling fee) via DBS Card+ for a single transaction of HK$500 or above at designated merchant categories^# with an applicable DBS Credit Card!

Applicable credit card	Designated merchant category
	【DBS Black World Mastercard^® Exclusive】 Enjoy a rebate on the first 3 travel merchant category spending^* Terms and conditions
	【DBS COMPASS VISA Exclusive】 Enjoy a rebate on the first 3 premium payments made through DBS digibank HK app, DBS iBanking or to a Hong Kong insurance company^* Terms and conditions
	【DBS Eminent Card Exclusive】 Enjoy a rebate on the first 3 medical services category spending^** Terms and conditions

Here are examples of the exclusive offer for DBS Black World Mastercard^® :

Example 1: Made a single transaction of HK$3,000 at an airline company and successfully applied for 6-month Flexi Shopping that charged one-off handling fee via DBS Card+ app during the promotion period to enjoy HK$27.5 cash rebate, which is equivalent to 50% of the Flexi Shopping one-off handling fee payable for the eligible spending.

Example 2: Made a single transaction of HK$15,000 at an airline company, HK$2,500 at a hotel and HK$1,000 at a dining merchant respectively and successfully applied for 3-month Flexi Shopping that charged one-off handling fee via DBS Card+ app during the promotion period. The first two transactions were made in eligible designated merchant categories. As a result, the customer can enjoy HK$87.5 rebate, which is equivalent to 50% of the Flexi Shopping one-off handling fee payable for the eligible spending. The third transaction, which was made with a dining merchant, was not in an eligible category. Therefore, no rebate will be offered.

The customer then made a single transaction of HK$12,000 at an airline company and successfully applied for 6-month Flexi Shopping that charged one-off handling fee via DBS Card+ app during the promotion period. Therefore, the customer can enjoy HK$100 rebate, with the maximum one-off handling fee rebate being HK$100.

During the promotion period, spend with your DBS Live Fresh Card HK$500 or above and successfully apply for 6-month Flexi Shopping charging one-off handling fee via DBS Card+ app to enjoy 10 free trials of Flexi Shopping!

Applicable credit card	Designated merchant category
	【DBS Live Fresh Card Exclusive】 Enjoy Flexi Shopping instalment 10 times for FREE^*** Terms and conditions

Here an example of the exclusive offer for DBS Live Fresh Card:

Example : Spent HK$3,000 and HK$300,000 respectively and applied for 6-month Flexi Shopping that charged one-off handling fee via DBS Card+ app during the promotion period to enjoy a full rebate of one-off handling fee. 2025jan_6month_kv-03

For One-off handling fee please click here for details.

Apply for Flexi Shopping now

^# “Designated Spending Categories” refers to (i) Hotels, Airlines, Travel Agencies, Premium payment and medical service spending only. The definition of Hotels, Airlines, Travel Agencies, Premium payment and medical service spending is determined according to the merchant codes as defined by Visa International, Mastercard Asia/ Pacific (Hong Kong) Limited and American Express International, Inc. or a merchant's acquiring bank. In case of any dispute over the definition of Designated Spending Categories, the relevant definition will be determined by the Bank at its sole discretion, and the Bank reserves the right of final decision. (ii) Any spending of Designated Spending Categories made through the following channels are not considered Eligible Spending, including but not limited to the spending through Scan & Pay function of DBS Card+, JETCO payment to payees under Merchant Category of “Credit Card Payment”, “PPS”, "Faster Payment System" or e-wallets (including but not limited to Octopus Card on Mobile, AlipayHK, WeChat Pay HK and PayMe) (except for Apple Pay, Google Pay and Samsung Pay).
^*The maximum one-off handling fee rebate is HK$200 and is only applicable to the Designated Spending Categories. Each Cardholder can enjoy the Fee Rebate 3 times only under this Promotion.
^** The maximum one-off handling fee rebate is HK$100 and is only applicable to the Designated Spending Categories. Each Cardholder can enjoy the Fee Rebate 3 times only under this Promotion.
^*** Handling fee cash rebate is applicable to the first 10 successful applications of 6-month Flexi Shopping during the promotion period only.

How to apply for Flexi Shopping Programme via DBS Card+ app after making a purchase?

Promotion Period:

1/1/2025 – 31/12/2025

General Notes:

Only applicable for spending amount of HK$500 – HK$300,000 (single application). If the application amount is more than HK$300,000, please select Flexi Shopping that charged monthly interest.
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 successfully converted into instalment transactions before the monthly statement is issued, and you have arranged “Autopay” service for your credit card account, you can call our Customer Service Hotline 2290 8888 at least two business days before payment due date to enquire whether the payment instruction can be amended or not.
If you apply for instalments for an 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 via DBS Card+ app, you can only apply for Flexi Shopping for a single transaction only. If you apply for Flexi Shopping that charged one-off handling fee, that single transaction amount must be HK$500 or above. If you apply for Flexi Shopping that charged 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).
Maximum 500 eligible transactions can be selected for 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 Auto Flexi Shopping

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.

Terms and Conditions

The terms and conditions relating to this promotion campaign is available for download at our website from now until 7 days 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.

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