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Dah Sing ONE+ Credit Card

Data last updated 27 October 2026
31.00%
Purchase rate
HK$0
Annual fee
60 days
Interest-free

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Dah Sing ONE+ Credit Card card
Application60 second approval

CardIQ

67Good

Good

Overall score, out of 100 · How this works

  • Cashback100
  • No annual fee75
  • Rewards25

Customer reviews

No reviews yet. Be the first to review the Dah Sing ONE+ Credit Card.

Pros & cons

What's good

  • The 31% p.a. purchase rate is among the lowest ongoing purchase rates (the median card charges 32% p.a.).
  • No annual fee.
  • Earns cashback on eligible spending.
  • Up to 60 interest-free days on purchases, longer than most cards.

Worth noting

  • The KFS lists annual fees by card tier (Classic HKD300, Gold/Titanium HKD600, Platinum HKD1,800, World Mastercard HKD2,000). The product page advertises a First 2 Years Annual Fee Waiver for the ONE+ Credit Card. Tax inclusion not stated. Fee waiver applies for first 2 years.
  • Requires a minimum income of HK$150,000 a year.
  • Earns no rewards points on spending.
  • No balance transfer or introductory purchase offer.

Card details

The basics

Additional cardholder fee
HK$900 p.a.
Card tier
Platinum
Card type
Not published
Card use
Personal
Credit limit
Not published
Credit rating
Not published
Rewards program
None

Eligibility

Instant approval
Yes (response in ~60 seconds)
Joint application
Not published
Minimum age
18 years old
Minimum income
HK$150,000 p.a.
Residency
Hong Kong resident
Temporary residents
Not published

Rates & fees

Ongoing interest rates

Cash advances
31.00% p.a.
Purchases
31.00% p.a.

Fees

Additional cardholder fee
HK$900
Annual fee
No annual fee
Cash advance fee
—
Foreign transaction fee
2.95%
Late payment fee
HK$300
Over limit fee
HK$200

Repayments

Interest-free period
Up to 60 days on purchases
Minimum repayment
If the Monthly Statement Balance is HKD / RMB200 or above, all interest and fees and charges including annual membership fees that may be charged, plus 1% of outstanding principal or HKD / RMB200 (whichever is higher); or if the Monthly Statement Balance is less than HKD / RMB200, the minimum payment will be the Monthly Statement Balance.

Balance transfers

This card has no promotional balance transfer offer.

Introductory purchase offer

This card has no introductory purchase rate offer.

Rewards

Cashback

Ongoing cashback
1% on eligible spend
Sign-up cashback
HK$500
Spend required
HK$5,000 in 2 months

1% on local/overseas retail spending, unlimited, no registration or redemption required, no expiry. 0.5% on Octopus AAVS reloads.

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

Annual feeHK$0Tied for best (1st of 40 cards)
Purchase rate31.00%Tied for best (1st of 40 cards)
Interest-free days60 daysTied for best (1st of 40 cards)
Overseas fee2.95%Among the weakest we track (38th of 40 cards)

Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Questions and answers

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Sources

Credit Card Compare
Credit card statistics for Hong KongHow CardIQ scores cards
Issuer
Dah Sing Bank