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Basic Mortgage
Mortgage Calculator
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Valuation
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If this website fails to provide the property valuation you need, please select "Other" to manually enter the property address.
Mortgage Process
Verbal valuation and pre-approval
To avoid the problem of undervaluation, you should do a verbal valuation and pre-approval by mReferral or bank before signing the contract.
Mortgage Process
Sign the Provisional Agreement for Sale and Purchase
To avoid the problem of undervaluation, you should do a verbal valuation and pre-approval by mReferral or bank before signing the contract.
Mortgage Process
Seek advice from mReferral
Apply for a mortgage loan from at least three banks. If you want to apply in one go, mReferral would definitely help.
Mortgage Process
Submit documents
Provisional Agreement for Sale and Purchase, copy of ID card of borrower and guarantor (if any), income proof, e.g. employment contract/latest salary slip, bank book/statements showing salary income or latest tax demand note
Mortgage Process
Bank approves mortgage application
It usually takes a week to a month for the bank to approve a mortgage. Compare and choose the bank with the most suitable terms, and sign the letter of loan offer with bank. The bank will send a letter to your law firm to inform the lawyer to prepare the mortgage deed.
Mortgage Process
Sign documents at law firm
Before the transaction day, the buyer and the guarantor (if any) go to the law firm to sign the mortgage deed and other documents required by the bank.
Mortgage Process
Complete transaction
The law firm informs the bank that the bank will deliver the loan to the law firm to arrange delivery to the seller, and the transaction is completed. After the transaction is completed, the bank will issue a cash rebate for the mortgage within one month. In addition, a repayment process table will be sent to inform customers of the detailed information of the principal, interest and balance of the monthly payment.
Property valuation
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Credit Card Comparison

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  • United Asia Finance Limited
  • MOX
  • Prime Credit
  • AEON Credit Service (Asia)
  • Hang Seng Bank
  • American Express
  • HSBC
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sim Credit Card
  • HK$400 Apple Store Gift Card; or HK$400 Wellcome Shopping Voucher
N/A
Min. Annual Income
3%
Cashback Local
8%
Cashback Local Online Shopping

    Terms & Conditions
    MoneyHero Time-limited Exclusive Offer

    From 30 April 2024 6 p.m. till 31 May 2024 6 p.m.: New 「sim Credit Card」Cardholders who have successfully applied and activated the card via MoneyHero to get HK$400 Apple Store Gift Card OR HK$400 Wellcome Shopping Voucher without any transaction requirement.
    Successfully complete the reward form within 7 days after applying
    By 30 June 2024: Application successfully approved
    MoneyHero Limited-Time Exclusive Offer is applicable to all new card holders
    How to redeem MoneyHero exclusive offer?
    Within 7 days of receiving the form, complete the redemption form sent via email for verification and follow-up
    Please turn off AdBlocker and private mode before application: 3 settings to ensure coupon reward eligibility
    Note down your application reference number for reference. You will be asked to upload all required documents when you apply the card to facilitate the approval process
    MoneyHero Limited-Time Exclusive Offer is provided by MoneyHero, sim Credit Card has no relation with its redemption, usage and dispute
    Terms and Conditions apply

    Mox Credit
    • Nintendo Switch (OLED model)(valued at HK$2,680;random color); or Delsey ECLIPSE SE 31" Expandable Spinner Front-opening Suitcase (valued at HK$4,280, random colour); or Marshall Acton III Bluetooth Speaker (valued at HK$2,499
    N/A
    No Requirement
    2%
    Overseas Spending - Cashback Rate
    3%
    Local Spending - Cashback Rate

      Terms & Conditions
      MoneyHero Limited-Time Exclusive Offer

      Open a Mox Account successfully with the invitation code "MHMOX1200" and successfully apply for Mox Credit via MoneyHero, you can enjoy Nintendo Switch (OLED Model) (valued at HK$2,680, random colour) / Delsey ECLIPSE SE 31" Expandable Front Opening Suitcase(Valued at HK$4280; random colour) / Marshall Acton III Bluetooth Speaker (valued at HK$2,499;random color) / Nescafe Dolce Gusto Genio S Plus with capsules (Valued at HK$1,780 ; random colour) / HK$1,000 Apple Gift Card OR Trip.com Gift Card
      From 30 April 2024 6 p.m. to 20 May 2024 6 p.m.: New Mox customers who successfully apply for Mox Credit via MoneyHero
      Within 14 days of after receiving the successful application email from Mox when your Mox Credit approved: Submit the reward redemption form sent via email previously
      On or before 30 June 2024: The Mox account and Mox Credit must be approved by Mox, subject to the Bank’s system records
      Tips:
      Please submit the reward redemption form sent via email previously within 14 days of after successfully submitting the application and opening the Mox account as well as Mox Credit, you will receive an email with application reference number (7-digits) from Mox in 14 working days.
      Please turn off AdBlocker and private mode before application: 3 settings to ensure coupon reward eligibility
      Remember to have your cell phone and Hong Kong Identity Card ready before applying! It is recommended to submit all the required documents in one go to speed up the approval process.. After successfully submitting the application and opening the Mox account as well as Mox Credit, you will receive an email notice with application reference number (7-digits) in 14 working days. Please be reminded to enter the Invitation Code to get the application reference number, if you don't receive the email, please check your spam folder.
      MoneyHero Limited-Time Exclusive Offer is provided by MoneyHero, Mox has no relation with its redemption, usage and dispute.
      Terms and Conditions Apply.

      PrimeCredit WeWa UnionPay Card for University Student
      • HK$200 cash rebate + HK$400 Apple Gift Card / Wellcome Shopping Voucher
      N/A
      Min. Annual Income
      Not Available
      Local Spending - Air Miles Conversion
      Local Spending - Cashback Rate
      On designated merchant categories

        MoneyHero Exclusive Offer - HK$200 cash rebate + HK$400 Apple Gift Card / Wellcome Shopping Voucher

        From now till 31 May 2024 6p.m., new customers of PrimeCredit Credit Card who successfully apply for PrimeCredit UnionPay Credit Card via MoneyHero can enjoy HK$200 cash rebate + HK$400 Apple Gift Card / Wellcome Shopping Voucher.
        How to redeem MoneyHero exclusive offer?
        Note down your application reference number for reference. You will be asked to upload all required documents when you apply the card to facilitate the approval process.
        Within 7 days of receiving the form, complete the redemption form sent via email for verification and follow-up. MoneyHero will verify your reward eligibility with PrimeCredit.
        Tips:
        Please turn off AdBlocker and private mode before application: 3 settings to ensure coupon reward eligibility

        PrimeCredit EarnMORE UnionPay Card for University Student
        • HK$400 Apple Store Gift Card + HK$200 Cash Rebate
        N/A

          MoneyHero Exclusive Offer - HK$200 cash rebate + HK$400 Apple Gift Card / Wellcome Shopping Voucher

          From now till 31 May 2024 6p.m., new customers of PrimeCredit Credit Card who successfully apply for PrimeCredit UnionPay Credit Card via MoneyHero can enjoy HK$200 cash rebate + HK$400 Apple Gift Card / Wellcome Shopping Voucher.
          How to redeem MoneyHero exclusive offer?
          Note down your application reference number for reference. You will be asked to upload all required documents when you apply the card to facilitate the approval process.
          Within 7 days of receiving the form, complete the redemption form sent via email for verification and follow-up. MoneyHero will verify your reward eligibility with PrimeCredit.
          Tips:
          Please turn off AdBlocker and private mode before application: 3 settings to ensure coupon reward eligibility

          AEON CARD WAKUWAKU
          N/A
          Min. Annual Income
          N/A
          Local Spending - Air Miles Conversion
          6%
          Online Spending

            MoneyHero Exclusive Offer - HK$200 Wellcome Shopping Voucher + HK$200 cash rebate
            New Customers of AEON Card, using the exclusive MoneyHero promo code "MHWAKU" to apply AEON CARD WAKUWAKU via the "AEON HK" Mobile App, can get the MoneyHero exclusive offer of HK$200 Wellcome Shopping Voucher. Upon successful application and credit card approval, you can enjoy HK$200 cash rebate (offered by AEON) upon completion of eligible transactions (based on a single transaction) with your credit card within the billing period.
            How to redeem MoneyHero exclusive offer?
            Note down your application reference number for reference. You will be asked to upload all required documents when you apply the card to facilitate the approval process.
            Within 7 days of receiving the form, complete the redemption form sent via email for verification and follow-up. MoneyHero will verify your reward eligibility with AEON.
            It may take 16-21 weeks from applications to redemption yet the actual time may vary due to the situation. Please refer to How to redeem exclusive rewards from MoneyHero
            Please refer to terms and conditions for details
            Tips:
            Please turn off AdBlocker and private mode before application: 3 settings to ensure coupon reward eligibility

            MUJI Card
            • Apple HomePod Mini (valued at HK$749; random color); or New to Card Customer:BRUNO BOE065-WH Multi Grill Pot (valued at HK$1,098; random color); or New to Card Customer:HK$800 Apple Store Gift Card; or New to Card Customer:HK$800 Wellcome Shopping Voucher
            $150000

              New to Card Customer:Apple HomePod Mini (valued at HK$749; random color); or
              New to Card Customer:BRUNO BOE065-WH Multi Grill Pot (valued at HK$1,098; random color); or
              New to Card Customer:HK$800 Apple Store Gift Card; or
              New to Card Customer:HK$800 Wellcome Shopping Voucher

              Terms & Conditions
              remove
              From now till 15 May 2024 6 p.m.

              New Credit Card cardholders* who successfully apply for Hang Seng MUJI Card via MoneyHero and spent HK300 within 30 calendar days after approval are entitled to BRUNO BOE065-WH Multi Grill Pot (valued at HK$1,098; random color) / Apple HomePod Mini (valued at HK$749; random color) / HK$800 Apple store gift card / Wellcome shopping voucher.
              Existing Credit Card cardholders who successfully apply for Hang Seng MUJI Card via MoneyHero and spent HK$150 within 30 calendar days after approval are entitled to HK$500 Apple store gift card / Wellcome shopping voucher.
              Important dates :

              On or before 15 June 2024 6p.m. : The card must be approved by Hang Seng
              New Credit Card customers* - Spent HK$300 within 30 calendar days after approval.
              Existing Credit Card customer - Spent HK$150 within 30 calendar days after approval.
              How to redeem Moneyhero Exclusive Offer?
              Note down your application reference number for reference. You will be asked to upload all required documents when you apply the card to facilitate the approval process.
              Within 7 days of receiving the form, complete the redemption form sent via email for verification and follow-up. MoneyHero will verify your reward eligibility with Hang Seng.
              Tips:
              Please turn off AdBlocker and private mode before application: 3 settings to ensure coupon reward eligibility
              If you have concerns regarding the redemption process, please refer to the Terms and Conditions
              *“New Credit Card Cardholders” who are not currently holding and/or have never held the Principal Card of any personal credit card/affinity card/co-branded card issued by Hang Seng during the 6 months immediately preceding the date of application.

              "Existing Credit Card Cardholders" are customers who did not hold Hang Seng MUJI Card in the past 6 months

              American Express® Gold Business Card
              • Limited-time offer of extra HK$300 statement credit, spend HK$1,000 to earn a total of HK$1,300 statement credit and rewards up to HK$3,100 with first year annual fee waiver
              $200000
              Min. Annual Income
              0.83%
              Local Spending - Cashback Rate
              1%
              Overseas Spending - Cashback Rate on foreign currency spending

                Terms & Conditions
                Limited-time offer: Extra HK$300 statement credits upon first transaction made within the first 3 months upon Basic Card approval
                First transaction bonus : HK$200 statement credits upon first transaction made within the first 3 months upon Basic Card approval
                Welcome Bonus : HK$800 statement credits upon first HK$1,000 spend in the first 3 months
                Spending Bonus : 315,000 points (eqv to HK$1,050 in pay with points or cash voucher / 17,500 miles) upon HK$45,000 spend in the first 3 months
                Business Essential Merchants Bonus : 225,000 points 5X spending bonus on selected merchants (adobe , AWS, dropbox, Fedex, HKT , Shell) 
                Terms and conditions apply.

                The Platinum Card
                • LG MD16GQSA1 28L Inverter Smart Dehumidifier with Ionizer (valued at HK$5,190); or Bose Smart Soundbar 600 (valued at HK$4,999); or HK$3,500 Apple Store Gift Card; or HK$3,500 HKTVmall e-Gift Voucher
                $10000
                Min. Annual Income
                $ 5 /mile
                Overseas Spending - Air Miles Conversion
                Unlimited
                Number of Free Lounge Access
                • 3X points earned when transaction made in foreign current spend via online
                • Access to 1,400+ Airport Lounges

                From 2 April 2024 6 p.m. till 6 May 2024 6 p.m., apply for The Platinum Card® via MoneyHero, reach the specific eligible spending within 2 months after card issuance, and fully paid the annual fee, to be rewarded the MoneyHero Time-limited Exclusive Offer

                Gift Options

                LG MD16GQSA1 28L Inverter Smart Dehumidifier with Ionizer (valued at HK$5,190); or
                Bose Smart Soundbar 600 (valued at HK$4,999); or
                HK$3,500 Apple Store Gift Card; or
                HK$3,500 HKTVmall e-Gift Voucher

                恒生enJoy卡
                $150000
                最低年薪要求
                不適用
                本地消費里數回贈率
                2.4%
                本地消費現金回贈

                  From now till 6 May 2024
                  New Credit Card cardholders* who successfully apply for Hang Seng enJoy Card via MoneyHero and spent HK600 within 30 calendar days after approval are entitled to Philips RO Water Dispenser ADD6910/90 (valued at HK$2,788) / Nintendo Switch (OLED model)(valued at HK$2,680;random color) / Delsey ECLIPSE SE 31" Expandable Spinner Front-opening Suitcase (valued at HK$4,280, random colour) / Marshall Acton III Bluetooth Speaker (valued at HK$2,499;random color) / HK$1,000 Apple store gift card / Wellcome shopping voucher.
                  Existing Credit Card cardholders^ who successfully apply for enJoy Card via MoneyHero and spent HK$300 within 30 calendar days after approval are entitled to BRUNO BAK801 Instant Hot Water Dispenser (valued at HK$998) / Marshall Willen Wireless Portable Speaker(valued at HK$999) / HK$700 Apple store gift card / Wellcome shopping voucher.
                  Important dates :

                  On or before 30 June 2024: The card must be approved by Hang Seng.
                  New Credit Card customers* - Spent HK$600 within 30 calendar days after approval.
                  Existing Credit Card customer - Spent HK$300 within 30 calendar days after approval.
                  How to redeem Moneyhero Exclusive Offer?
                  Note down your application reference number for reference. You will be asked to upload all required documents when you apply the card to facilitate the approval process.
                  Within 7 days of receiving the form, complete the redemption form sent via email for verification and follow-up. MoneyHero will verify your reward eligibility with Hang Seng.
                  Tips:
                  Please turn off AdBlocker and private mode before application: 3 settings to ensure coupon reward eligibility
                  If you have concerns regarding the redemption process, please refer to the Terms and Conditions
                  Hang Seng enJoy Card
                  *“Existing Credit Card Customers” who are currently holding and/or have ever held the Principal Card of any personal credit card/affinity card/co-branded card (excluding spending card and private label card) issued by Hang Seng during the 12 months immediately preceding the date of application.

                  ^"Existing credit card customers," referring to applicants who currently hold or have held any personal credit card issued by Hang Seng within the past 12 months from the present or application date, excluding consumption cards and exclusive cards.

                  ^An additional HK$700 reward is for existing credit card customers who have not held the Hang Seng Enjoy card as the main card within the past 12 months from the present or application date.

                  ^If existing credit card customers have held the main card of the same credit card category within the past 12 months from the present or application date, they will not be eligible for any welcome rewards.

                  $240000
                    $120000
                      American Express® Platinum Credit Card
                      • HK$2,000 HK Express cash voucher; or 300,000 American Express Membership Points
                      $300000
                      Min. Annual Income
                      $2.5/mile
                      Local Spending - Air Miles Conversion
                      2%
                      Local Spending - Cashback Rate

                        Apply successfully via MoneyHero and accumulate eligible spending of HK$5,000 or above to enjoy extra 300,000 American Express Membership Points or HK$2,000 HK Express cash voucher
                        Click here to apply and get extra 300,000 American Express Membership Points
                        Click here to apply and get HK$2,000 HK Express cash voucher
                        For Basic Cardmembers who submit their Card application online and all required valid documents within 7 working days from the date of application submission, and spends an aggregate of HK$5,000 or above on his or her Basic and/or Supplementary Cards within the first 3 months from the date of approval of the Basic Card, HK Express cash voucher with a total value of HK$2,000 will be sent to qualifying Basic Cardmembers within 12 weeks upon the transaction. Terms and Conditions of HK Express cash voucher apply.

                        Citi Prestige Card
                        $600000
                        Min. Annual Income
                        $6/mile
                        Local Spending - Air Miles Conversion
                        0.8 %
                        Local Spending - Cashback Rate
                        • Complimentary 4th night at any hotel

                        DYSON HD15 Supersonic™ hair dryer (valued at HK$3,780; random color); or
                        LG FS15GPBK0 PuriCare Aero Tower Hit Air Purifying Fan (valued at HK$4,080); or
                        HK$3,800 Apple Store Gift Card; or
                        HK$3,800 Wellcome Shopping Voucher

                        MoneyHero Time-Limited Exclusive Offer

                        New Citi Presitge Card Customers get rewarded with Dyson Supersonic™ HD15 hair dryer (valued at HK$3,780, random colour) / LG FS15GPBK0 PuriCare Aero Tower Hit Air Purifying Fan (valued at HK$4,080) / HK$3,800 Apple Store Gift Card / HK$3,800 Wellcome Shopping Voucher
                        Requirements

                        2 April 2024 6 p.m. till 2 May 2024 6 p.m.: Successfully apply for the designated Citibank Credit Card(s) and submitted redemption form via MoneyHero
                        On or before 1 June 2024: The card must be approved by Citibank.
                        Within 7 days of receiving the form: Submit the reward redemption form sent via email previously.
                        Within 30 days after card approval: Spend HK$5,000 or above with the card (value-added PayMe/Alipay AliPay/WeChat Pay can be counted) and pay HK$3,800 annual fee.
                        Tips

                        Please turn off AdBlocker and private mode before application: 3 settings to ensure coupon reward eligibility
                        Please note down the application reference number (e.g. ABC123456789) provided on the page after completing the application.
                        Please submit the reward redemption form sent via email previously within 7 days of receiving the form.
                        If you have concerns regarding the redemption process, please refer to the Terms and Conditions.
                        New Credit Card Customers shall be defined as: Customers who currently do not hold, have not cancelled and have not held any principal credit card of Citi within the past 12 months from the month of application for the Eligible Card.

                        DBS Eminent Visa Signature Card
                        • Up to 5% Rebate Program for F&B
                        $360000
                        Min. Annual Income
                        Not Available
                        Local Spending - Air Miles Conversion
                        5%
                        Local Spending - Cashback Rate
                        • Dining Privileges Up to 30% off
                        • Welcome Offer Up to HK$600 Cash Rebate

                        Welcome Offer Up to HK$600 Cash Rebate

                        New Customers who successfully apply DBS Eminent Card by 2 July 2024 can enjoy the first year annual fee waiver and following fabulous welcome offer, upon spending with the new card in the first 3 months and activating DBS Card+ account in the first month:

                          

                        Welcome Gift

                        “Spending Requirement”

                        Up to HK$600 Cash Rebate:

                        • 10% Cash Rebate (“Cash Rebate”) on Eligible Spending, with a maximum limit of Cash Rebate HK$450; and/or
                        • Extra HK$100 Cash Rebate (“Extra Cash Rebate”); and/or
                        • HK$50 “InstaRedeem” Amount for activating the physical New Card within one month from card issuance date
                        • Cash Rebate: accumulate retail spending or make transaction as listed below ("Eligible Spending") with the New Card within Spending Period:
                          - accumulated retail spending of HK$3,000 or above, and/or
                          - designated Instant Cash Service: the approved cash out amount that the New Customer has successfully applied for “Instant Cash” service via online (The Eligible Spending amount of this item is up to HK$3,000, and the maximum cash rebate is HK$300)
                        • Extra Cash Rebate: accumulate spending or make transaction as listed below with New Card within Spending Period:
                          - HK$1,000 or above in total for top up amount via Octopus Automatic Add Value Service; or
                          - apply 12-month or above Flexi Shopping Programme
                        • HK$50 “InstaRedeem”: successfully activated the physical New Card via DBS Card+ within 2 month from card issuance date

                        DBS Eminent Card Brand-new Up to 5% Rebate Program, Up to $400 Rebate

                        • 4 designated spending categories up to 5% rebate (applicable for the first HK$8,000 Eligible Spending in Other Retail Spending in each calendar month)
                        • Other retail spending up to 1 % rebate (applicable for the first HK$20,000 Eligible Spending in Other Retail Spending in each calendar month)
                        • Registration in DBS Card+ mobile application is required

                        Exclusive offer is only applicable to new applicants who have not owned any DBS cards 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 and/or DBS COMPASS VISA) issued by DBS

                        Cash Rebate is not applicable to applicants who, during the New Card approval process, have applied for or held any principal DBS Eminent Visa Signature Card and/ or DBS Eminent Visa Platinum Card (formerly named as DBS Visa Platinum Card, DBS Visa Gold Card or DBS Visa Classic Card).

                        New Customer must download DBS Card+ Mobile Application (“DBS Card+”), register and activate DBS Card+ account within 1 month of the New Card issuance date in order to be eligible to the Welcome Offer

                        Reload of digital wallet does not count as eligible transactions of welcome offer. DBS iBanking bill payment and transactions in Hong Kong dollars at the point of sales outside Hong Kong are not eligible for earning Cash Rebate


                        Terms and conditions apply, click “Apply Now” for more details.

                        PrimeCredit WeWa UnionPay Diamond Card
                        • HK$400 Apple Store Gift Card + HK$200 Cash Rebate
                        $150000
                        Min. Annual Income
                        Not Available
                        Local Spending - Air Miles Conversion
                        4%
                        Local Spending - Cashback Rate
                        • Crazy WeWa Reward up to 6% Cash Rebate

                        MoneyHero Exclusive Offer - HK$200 cash rebate + HK$400 Apple Gift Card / Wellcome Shopping Voucher

                        From now till 31 May 2024 6p.m., new customers of PrimeCredit Credit Card who successfully apply for PrimeCredit UnionPay Credit Card via MoneyHero can enjoy HK$200 cash rebate + HK$400 Apple Gift Card / Wellcome Shopping Voucher.
                        How to redeem MoneyHero exclusive offer?
                        Note down your application reference number for reference. You will be asked to upload all required documents when you apply the card to facilitate the approval process.
                        Within 7 days of receiving the form, complete the redemption form sent via email for verification and follow-up. MoneyHero will verify your reward eligibility with PrimeCredit.
                        Tips:
                        Please turn off AdBlocker and private mode before application: 3 settings to ensure coupon reward eligibility

                        PrimeCredit EarnMORE UnionPay Diamond Card
                        $150000
                        Min. Annual Income
                        Not Available
                        Local Spending - Air Miles Conversion
                        4 %
                        Local Spending - Cashback Rate

                          MoneyHero Exclusive Offer - HK$200 cash rebate + HK$400 Apple Gift Card / Wellcome Shopping Voucher

                          From now till 30 April 2024 6p.m., new customers of PrimeCredit Credit Card who successfully apply for PrimeCredit UnionPay Credit Card via MoneyHero can enjoy HK$200 cash rebate + HK$400 Apple Gift Card / Wellcome Shopping Voucher.
                          How to redeem MoneyHero exclusive offer?
                          Note down your application reference number for reference. You will be asked to upload all required documents when you apply the card to facilitate the approval process.
                          Within 7 days of receiving the form, complete the redemption form sent via email for verification and follow-up. MoneyHero will verify your reward eligibility with PrimeCredit.
                          Tips:
                          Please turn off AdBlocker and private mode before application: 3 settings to ensure coupon reward eligibility
                          Gift Options

                          New Customer: HK$400 Apple Store Gift Card + HK$200 Cash Rebate; or
                          New Customer: HK$400 Wellcome Shopping Voucher + HK$200 Cash Rebate

                          DBS Live Fresh Card
                          • Up to 6% rebate on online spending
                          $150000
                          Min. Annual Income
                          Not Available
                          Local Spending - Air Miles Conversion
                          5.4%
                          Local Spending - Cashback Rate
                          • Welcome offer up to $500 rewards

                          Welcome offer up to $500 rewards

                          New Customers who successfully apply DBS Live Fresh Card by 2 July 2024 can enjoy the first year annual fee waiver and the following fabulous welcome gifts, upon spending with the new card in the first 3 months and activating DBS Card+ account in the first month*:

                          Welcome GiftSpending Requirement

                          HK$350 “InstaRedeem” Amount 

                          • “InstaRedeem” Discount will be sub-divided into HK$200 and HK$150
                          • Complete one single retail transaction of HK$200 or above and one single online transaction of HK$150 or above within 3 months from the card issuance date
                          HK$4,800

                          HK$150 “InstaRedeem” Amount (Only applicable to Tertiary Student)

                          • “InstaRedeem” Discount will be sub-divided into three times of HK$50
                          • Complete one single retail/online transaction of HK$50 or above to get one HK$50 "InstaRedeem" Discount within 3 months from the card issuance date
                          • For tertiary student, please apply via DBS Card+
                          HK$1,800
                          Extra Welcome GiftSpending Requirement
                          HK$100 Cash RebateHK$1,000 or above in total for top up amount via Octopus Automatic Add Value Service;   
                          or successfully apply 12-month or above Flexi Shopping Programme, no amount requirement
                          Extra InstaRedeemSpending Requirement
                          HK$50 “InstaRedeem” AmountSuccessfully activate the New Card within 2 months from card issuance date

                          Privileges

                          • Up to 6% rebate on online spending. You can pick spending category for extra rebate every month based on your own spending habit.
                          • DBS Live Fresh Card Exclusive: 90 days Interest-Free Repayment Period for Overseas, Travelling and Online Transaction
                          • 10 Free Trials for Flexi Shopping. No handling fee when you apply for Flexi Shopping Programme.
                          • First year annual fee waiver

                          mReferral exclusive offer is only applicable to new applicants who have not owned any DBS cards 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 and/or DBS COMPASS VISA) issued by DBS.

                          When applying for a DBS credit card, the DBS Card+ app will ask you to take a photo of your ID card immediately. Please place your ID card on a white paper and take the photo with your mobile phone. Please ensure that the ID number is clearly visible in the transparent windows on the front and back (applicable to new smart ID cards).

                          Online transactions in Hong Kong Dollars, reload of e-wallets and Octopus Automatic Add-Value Service are only entitled to 0.4% basic rebate.

                          Each Cardholder can enjoy a maximum of HK$150 Reward for each calendar month. Cardholders are required to claim the Reward for the relevant Eligible Transaction within 45 calendar days after the transaction date.

                          • Cardholders must click the red InstaRedeem button on the Timeline of DBS Card+ HK to enjoy the Reward.

                          Terms and conditions apply, click “Apply Now” for more details.

                          DBS Black World Mastercard®
                          • Welcome Offer Up to 42,000 Miles + $50 InstaRedeem Discount
                          $240000
                          Min. Annual Income
                          $3/mile
                          Upon meeting local and overseas spending goal*
                          $4/mile
                          Overseas spending - Air Miles Conversion
                          • As low as HK$3 = 1 mile and worldwide travel privileges
                          • HK$6 = 1 mile on local spending; HK$4 = 1 mile on overseas spending

                          Welcome Offer

                          New customers^ who successfully apply for DBS Black World Mastercard by 2 July 2024 can enjoy the first year annual fee waiver , Up to 42,000 miles and/or HK$50 InstaRedeem Discount  upon spending with the new card in the first 3 months and activating DBS Card+ account and the physical New Card in the first month:

                          Spending RequirementMiles Reward
                          Accumulated
                          Eligible Spending# of HK$8,000
                          8,000 miles
                          (i.e. DBS$384)
                          Accumulated
                          Eligible Spending# of HK$20,000
                          12,000 miles
                          (i.e. DBS$576)
                          Accumulated
                          Eligible Spending# of HK$80,000
                          40,000 miles
                          (i.e. DBS$1,920)

                           

                          Extra 2,000 miles (i.e. DBS$96)
                          Accumulate Octopus Automatic Add-Value transaction of HK$1,000 or above or successfully apply for Flexi Shopping (for any amount) with 12 or more monthly instalments via the New Card within 3 months after its issuance

                          HK$50 InstaRedeem Discount
                          Successfully activate the physical New Card via DBS Card+ app within 2 month after its issuance

                          New as low as HK$3 = 1 mile and worldwide travel privileges

                          Register via DBS Card+ now to enjoy the following privileges upon accumulating a retail spending of HK$80,000 from the next calendar day after successful registration in a certain spending phase

                          • as low as HK$3 = 1 mile
                          • worldwide travel privileges including airport limousine transfer service, airport lounge & express pass and luggage delivery

                          ^New 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 (“New Customers ”).

                          #Eligible Spending includes both local and overseas eligible retail spending.

                          Terms and conditions apply, click “Apply Now” for more details.

                          DBS COMPASS VISA Platinum
                          • Up to 10% rebate on local supermarket spending
                          $100000
                          Min. Annual Income
                          $10/mile
                          Local Spending - Air Miles Conversion
                           
                           
                          • Up to 10% COMPASS Dollar Rebate on local supermarkets or Taobao spending every Wednesday
                          • Join the “COM-To-Play” Mini Game to win up to $5,000 COMPASS Dollar upon designated spending

                          Welcome Offer

                          New Customers^ who successfully apply for DBS COMPASS VISA by 2 July 2024 can enjoy the first year annual fee waiver and the following fabulous welcome gift, upon spending with the new card in the first 3 months and activating both DBS Card+ account and the physical New Card in the first month.

                          HK$250 Local Supermarket or Taobao InstaRedeem Discount

                          • Accumulated Eligible Spending of HK$4,000 or above, and/or
                          • Apply Instant Cash (i.e. “Call-a-loan” or “Funds Transfer”) with the New Card via the Bank’s Instant Cash webpage or DBS Card+, the successful approved and cash out Instant Cash loan amount can be deemed as Eligible Spending amount (subject to a cap of HK$3,000).

                          New Customers must download DBS Card+ app, register and activate DBS Card+ account and activate physical New Card within 1 month of the New Card issuance date. The HK$250 InstaRedeem Discount will be awarded to the eligible New Customers via the red InstaRedeem button of DBS Card+ upon completing a retail single spending transaction with amount of HK$250 or above at Local Supermarkets* or Taobao with the New Card.

                          Extra Welcome Gift

                          HK$100 Cash Rebate

                          To reload the Octopus via the Octopus Automatic Add-Value Services and the accumulated reloaded amount is HK$1,000 or above or successfully apply for Flexi Shopping Programme (of any amount) with 12 or more monthly instalments with the New Card within the Spending Period

                          HK$50 InstaRedeem Discount

                          Successfully activated the Physical New Card via DBS Card+ within 2 month from card issuance date

                          New 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.

                          Terms and conditions apply, click “Apply Now” for more details.
                           

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