Best DBS Credit Cards in Hong Kong 2020

DBS credit cards offer some of the best rewards rates on the market, plus benefits like flight discounts, promotions and the convenient DBS Omni mobile app to redeem points. We’ve analyzed every DBS credit card in Hong Kong and reviewed them based on air miles potential, cashback rates and most convenient perks for students.

Best DBS Credit Card for Students and Low Income Consumers
Best Air Miles DBS Credit Cards
Best DBS Credit Cards for Cashback

Compare Best DBS Credit Cards by Dollar Value

Based on an average monthly spend of HK$12,000, we analysed the best DBS credit cards on the market to estimate each card's value to consumers after 2 years, accounting for rebates and netting out annual fees. Note that value-to-consumer calculations depend heavily on individual spending habits, and intangible benefits like free travel insurance and airport lounge access are valuable but difficult to quantify.

A graph displaying how best DBS credit cards compare to one another in terms of their rewards
Best DBS Credit Cards in Hong Kong by Estimated 2-Year Dollar Value
Best DBS Credit Card for Students and Low Income Consumers Best Air Miles DBS Credit Cards Best DBS Credit Cards for Cashback

Compare Best DBS Credit Cards by Dollar Value

Based on an average monthly spend of HK$12,000, we analysed the DBS credit cards on the market to estimate each card's value to consumers after 2 years, accounting for rebates and netting out annual fees. Note that value-to-consumer calculations depend heavily on individual spending habits, and intangible benefits like free travel insurance and airport lounge access are valuable but difficult to quantify.

A graph displaying how best DBS credit cards compare to one another in terms of their rewards
Best DBS Credit Cards in Hong Kong by Estimated 2-Year Dollar Value

Best DBS Credit Card for Students and Low Income Consumers

This DBS credit card offers students top rebates for online purchases as well as some of the best welcome offers on the market. While some cashback credit cards offer better flat rates, this card allows shoppers with limited budgets to get the most out of every dollar spent.

DBS COMPASS VISA: Top Online Cashback and Low Minimum Salary Requirement

  • 3% rebate w/ Taobao & Tmall, 1% other popular merchants
  • Promotions: HK$400 PARKnSHOP/Watsons InstaRedeem w/ HK4.8k spend in 1st 3mo, OR:
  • HK$300 all merchants InstaRedeem w/ HK$4.8k spend in 1st 3mo, OR:
  • Dyson Supersonic styler Complete (redemption fee HK$3.48k) w/ HK$4.8k spend in 1st 3mo, OR:
  • Le Maurice suitcase w/ HK$6.8k spend in 1st 3mo, OR:
  • 6 MCL Movie Ticket Vouchers
  • Read Our Full Review
DBS COMPASS VISA is a great choice for students with a limited budget who tend to shop online. Cardholders earn a 1% COMPASS Dollars rebate with popular designated merchants including Watsons, PARKn'SHOP and more. Even better, this rebate is boosted to 3% on spend with Taobao and Tmall.


While DBS COMPASS VISA’s 3% online rebate is highly competitive, it is capped after HK$1,000 spend (HK$30 rebate), which means consumers with a higher budget may want to consider an alternative cashback credit card.

The HK$100,000 minimum annual salary on this card is well below the market average of HK$150,000, which makes it relatively accessible for students. If you tend to shop with select online merchants as well as at department stores, DBS COMPASS VISA’s high cashback rates may be a good match for your lifestyle.

  • HK$100k min. annual salary
  • Annual fee: HK$1.8k
  • 3% COMPASS Dollars rebate on Taobao & Tmall online spend
  • 1% COMPASS Dollars rebate w/ select merchants like Watsons, PARKnSHOP & more
  • 0.4% COMPASS Dollars rebate on general spend
  • 0% interest instalment plan
  • Stand-Out: 3% rebate w/ Taobao & Tmall, 1% other popular merchants
  • Promotions: HK$400 PARKnSHOP/Watsons InstaRedeem w/ HK4.8k spend in 1st 3mo, OR:
  • HK$300 all merchants InstaRedeem w/ HK$4.8k spend in 1st 3mo, OR:
  • Dyson Supersonic styler Complete (redemption fee HK$3.48k) w/ HK$4.8k spend in 1st 3mo, OR:
  • Le Maurice suitcase w/ HK$6.8k spend in 1st 3mo, OR:
  • 6 MCL Movie Ticket Vouchers
  • Read Our Full Review
DBS COMPASS VISA is a great choice for students with a limited budget who tend to shop online. Cardholders earn a 1% COMPASS Dollars rebate with popular designated merchants including Watsons, PARKn'SHOP and more. Even better, this rebate is boosted to 3% on spend with Taobao and Tmall.


While DBS COMPASS VISA’s 3% online rebate is highly competitive, it is capped after HK$1,000 spend (HK$30 rebate), which means consumers with a higher budget may want to consider an alternative cashback credit card.

The HK$100,000 minimum annual salary on this card is well below the market average of HK$150,000, which makes it relatively accessible for students. If you tend to shop with select online merchants as well as at department stores, DBS COMPASS VISA’s high cashback rates may be a good match for your lifestyle.

  • HK$100k min. annual salary
  • Annual fee: HK$1.8k
  • 3% COMPASS Dollars rebate on Taobao & Tmall online spend
  • 1% COMPASS Dollars rebate w/ select merchants like Watsons, PARKnSHOP & more
  • 0.4% COMPASS Dollars rebate on general spend
  • 0% interest instalment plan

Best Air Miles DBS Credit Cards

These DBS air miles cards offer very competitive, uncapped miles rates for frequent travellers with relatively large budgets. What’s more, points earned are redeemed through the DBS Omni mobile app, which means cardholders can check and redeem their rewards with ease.

DBS Black World Mastercard: Discounted Flights When Redeeming Miles

  • 45% off flights w/ miles redemption through DBS's iGO platform
  • Promotions: Receive up to 4k miles on 1st HK$2k local spend in 1st 2mo
  • Receive up to 25k miles on next HK$100k local spend in 1st 2mo
  • Receive up to 21k miles on first HK$63k overseas spend in 1st 2mo, OR:
  • Rollink Flex 21 Suitcase and 2k miles w/ HK$6.8k spend in 1st 2mo
  • Read Our Full Review
Frequent travellers looking to accumulate rapid miles across their spend should definitely considerDBS Black World Mastercard. The 0.167 miles earned for HK$1 spend, already a highly competitive rate, is boosted to 0.250 for spending in foreign currency, a substantial boost for overseas transactions.


Cardholders can also enjoy generous discounts by redeeming rewards through DBS’s iGO Rewards platform. You can maximize the value of your points with a 45% discount on flights, hotel nights, and car rentals redeemed in DBS$. Put another way, the value of each DBS$1 earned is nearly doubled (increased 1.8x) when redeemed through the iGO platform.

While DBS Black World Mastercard offers very high rewards and discount potential to consumers, it has a comparatively high annual fee of HK$2,000 and doesn’t offer the luxury perks of competitor cards like Amex Cathay Pacific Elite Credit Card. Altogether, this card is a great choice for frequent travellers looking for huge savings on flights and travel arrangements.

  • HK$240k min. annual salary
  • Annual fee: HK$2k, 1st yr waiver
  • 0.250 miles per HK$1 overseas spend
  • 0.167 miles per HK$1 local spend
  • No miles redemption fees w/ select airline partners
  • Receive 45% redemption discount on flights booked via DBS iGO
  • Stand-Out: 45% off flights w/ miles redemption through DBS's iGO platform
  • Promotions: Receive up to 4k miles on 1st HK$2k local spend in 1st 2mo
  • Receive up to 25k miles on next HK$100k local spend in 1st 2mo
  • Receive up to 21k miles on first HK$63k overseas spend in 1st 2mo, OR:
  • Rollink Flex 21 Suitcase and 2k miles w/ HK$6.8k spend in 1st 2mo
  • Read Our Full Review
Frequent travellers looking to accumulate rapid miles across their spend should definitely considerDBS Black World Mastercard. The 0.167 miles earned for HK$1 spend, already a highly competitive rate, is boosted to 0.250 for spending in foreign currency, a substantial boost for overseas transactions.


Cardholders can also enjoy generous discounts by redeeming rewards through DBS’s iGO Rewards platform. You can maximize the value of your points with a 45% discount on flights, hotel nights, and car rentals redeemed in DBS$. Put another way, the value of each DBS$1 earned is nearly doubled (increased 1.8x) when redeemed through the iGO platform.

While DBS Black World Mastercard offers very high rewards and discount potential to consumers, it has a comparatively high annual fee of HK$2,000 and doesn’t offer the luxury perks of competitor cards like Amex Cathay Pacific Elite Credit Card. Altogether, this card is a great choice for frequent travellers looking for huge savings on flights and travel arrangements.

  • HK$240k min. annual salary
  • Annual fee: HK$2k, 1st yr waiver
  • 0.250 miles per HK$1 overseas spend
  • 0.167 miles per HK$1 local spend
  • No miles redemption fees w/ select airline partners
  • Receive 45% redemption discount on flights booked via DBS iGO

DBS Black American Express Card: Rapid Miles and Convenient Travel Perks

  • 0.167 mi/HK$1 spend + airport limo transfer service
  • Promotions: Receive HK$600 cashback w/ HK$5k min. spend in 1st 2mo
DBS Black American Express Card offers no-hassle rewards and great travel perks to consumers across all of their spending. Cardholders earn an uncapped 0.167 miles on every HK$1 they spend, redeemable through the DBS Omni mobile app.


Cardholders can also enjoy travel perks at Hong Kong International Airport, such as one way limousine transfers for a discounted HK$680 and complimentary newspapers and magazines from RELAY outlets. As an Amex card, DBS Black American Express Card also offers Live the World shopping, hotel, and dining discounts during your travels.

If you are looking for convenient travel perks and competitive miles rates on all of your spend, you may want to consider DBS Black American Express Card.

  • HK$240k min. annual salary
  • Annual fee: HK$2k, 1st yr waiver
  • 0.167 miles per HK$1 local and overseas spend
  • Airport limousine transfer service
  • Access American Express Live the World global shopping, hotels and dining discounts
  • Stand-Out: 0.167 mi/HK$1 spend + airport limo transfer service
  • Promotions: Receive HK$600 cashback w/ HK$5k min. spend in 1st 2mo
  • Read Our Full Review
DBS Black American Express Card offers no-hassle rewards and great travel perks to consumers across all of their spending. Cardholders earn an uncapped 0.167 miles on every HK$1 they spend, redeemable through the DBS Omni mobile app.


Cardholders can also enjoy travel perks at Hong Kong International Airport, such as one way limousine transfers for a discounted HK$680 and complimentary newspapers and magazines from RELAY outlets. As an Amex card, DBS Black American Express Card also offers Live the World shopping, hotel, and dining discounts during your travels.

If you are looking for convenient travel perks and competitive miles rates on all of your spend, you may want to consider DBS Black American Express Card.

  • HK$240k min. annual salary
  • Annual fee: HK$2k, 1st yr waiver
  • 0.167 miles per HK$1 local and overseas spend
  • Airport limousine transfer service
  • Access American Express Live the World global shopping, hotels and dining discounts

Best DBS Credit Cards for Cashback

These DBS cashback credit cards offer respectable rebates across your local spending, plus a boosted rate for purchases made overseas. Some cashback credit cards offer higher rates for specific types of purchases, but these DBS cards are a great choice if you don’t want to limit your spending to select merchants or categories.

DBS Eminent Visa Signature Card: Unltd Rebates for Wealthy DBS Loyalists

  • Unltd. 2% overseas cashback + free limo transfers
  • Promotions: Waived handling fees for 1st 3 DBS Flexi Shopping purchases, OR:
  • 3 months Interest Cash Rebate for Instant Cash Instalment Loan
  • Read Our Full Review
Affluent consumers who frequently shop overseas should consider DBS Eminent Visa Signature Card. This card’s 1% rebate for local spending is well above the .04% market average, and transactions in foreign currencies will boost this rate to a highly competitive 2%.


Cardholders who are also DBS Treasures Private Client customers can access travel perks like 3 free limo rides per quarter (up to 12 free rides/year) between Hong Kong International Airport and downtown, as well as complimentary limo transfers from airports in Singapore, Indonesia and Taiwan. However, the Private Client relationship has a very high requirement of investable assets of at least HK$8,000,000, which is out of reach for most consumers.

DBS Eminent Visa Signature Card is definitely worth considering if you want to earn easy, rapid miles across all of your spending. However, this card has a high minimum annual income of HK$360,000, and the travel perks require a very selective banking relationship with DBS.

  • HK$360k min. annual salary
  • Annual fee: HK$2k, 1st-yr waiver
  • 2% cashback on foreign currency spend
  • 1% cashback on local spend
  • 3 free limo transfers per qtr w/ HK$100k spend/qtr (DBS Treasures Private Clients only)
  • E-commerce and Fraudulent Transaction protections
  • Stand-Out: Unltd. 2% overseas cashback + free limo transfers
  • Promotions: Waived handling fees for 1st 3 DBS Flexi Shopping purchases, OR:
  • 3 months Interest Cash Rebate for Instant Cash Instalment Loan
  • Read Our Full Review
Affluent consumers who frequently shop overseas should consider DBS Eminent Visa Signature Card. This card’s 1% rebate for local spending is well above the .04% market average, and transactions in foreign currencies will boost this rate to a highly competitive 2%.


Cardholders who are also DBS Treasures Private Client customers can access travel perks like 3 free limo rides per quarter (up to 12 free rides/year) between Hong Kong International Airport and downtown, as well as complimentary limo transfers from airports in Singapore, Indonesia and Taiwan. However, the Private Client relationship has a very high requirement of investable assets of at least HK$8,000,000, which is out of reach for most consumers.

DBS Eminent Visa Signature Card is definitely worth considering if you want to earn easy, rapid miles across all of your spending. However, this card has a high minimum annual income of HK$360,000, and the travel perks require a very selective banking relationship with DBS.

  • HK$360k min. annual salary
  • Annual fee: HK$2k, 1st-yr waiver
  • 2% cashback on foreign currency spend
  • 1% cashback on local spend
  • 3 free limo transfers per qtr w/ HK$100k spend/qtr (DBS Treasures Private Clients only)
  • E-commerce and Fraudulent Transaction protections

DBS Eminent Visa Platinum Card: Top Cashback on Overseas Spend

  • 2% cashback overseas spend + 1% local
  • Promotions: Waived handling fees for 1st 3 DBS Flexi Shopping purchases, OR:
  • 3 months Interest Cash Rebate for Instant Cash Instalment Loan
DBS Eminent Visa Platinum Card offers the same great cashback rates of its Signature counterpart, with a more accessible HK$150,000 minimum income and lower annual fee of HK$1,800. However, this card doesn’t offer significant travel perks and can be outshone by selective spenders who choose cards like HSBC Red Credit Card, which offers 2% cashback for grocery spending and 4% online.


Altogether, DBS Eminent Visa Platinum card is a good choice if you are an average earner who spends a significant portion of your budget abroad.

  • HK$150k min. annual salary
  • Annual fee: HK$1.8k, 1st-yr waiver
  • 2% cashback on foreign currency spend
  • 1% cashback on local spend
  • E-commerce and Fraudulent Transaction protections
  • Stand-Out: 2% cashback overseas spend + 1% local
  • Promotions: Waived handling fees for 1st 3 DBS Flexi Shopping purchases, OR:
  • 3 months Interest Cash Rebate for Instant Cash Instalment Loan
  • Read Our Full Review
DBS Eminent Visa Platinum Card offers the same great cashback rates of its Signature counterpart, with a more accessible HK$150,000 minimum income and lower annual fee of HK$1,800. However, this card doesn’t offer significant travel perks and can be outshone by selective spenders who choose cards like HSBC Red Credit Card, which offers 2% cashback for grocery spending and 4% online.


Altogether, DBS Eminent Visa Platinum card is a good choice if you are an average earner who spends a significant portion of your budget abroad.

  • HK$150k min. annual salary
  • Annual fee: HK$1.8k, 1st-yr waiver
  • 2% cashback on foreign currency spend
  • 1% cashback on local spend
  • E-commerce and Fraudulent Transaction protections
Kevin Schwartz

Kevin is a Junior Research Analyst at ValueChampion, specialising in credit cards in Hong Kong. He previously worked for the U.S. Congress as well as in international education in Beijing. He holds a B.A. in International Studies and Chinese from the College of the Holy Cross.