DBS Eminent Card
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CardIQ
Basic
Overall score, out of 100 · How this works
- Cashback75
- No annual fee43
- Rewards0
Customer reviews
No reviews yet. Be the first to review the DBS Eminent Card.
Pros & cons
What's good
- The 31.1% 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 annual fee increases from HK$0 to HK$2,000 in the second year.
- 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$1,000 p.a.
- Card tier
- Not published
- Card type
- Not published
- Card use
- Personal
- Credit limit
- Not published
- Credit rating
- Not published
- Rewards program
- None
Eligibility
- Instant approval
- Not published
- 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
- 29.42% p.a.
- Purchases
- 31.10% p.a.
Fees
- Additional cardholder fee
- HK$1,000
- Annual fee
- No annual fee
- Annual fee (year 2+)
- HK$2,000 p.a.
- Cash advance fee
- 4% of the amount
- Foreign transaction fee
- 1.95%
- Late payment fee
- HK$350
- Over limit fee
- HK$250
Repayments
- Interest-free period
- Up to 60 days on purchases
- Minimum repayment
- 1% of the statement balance excluding all charges, fees, costs, expenses, interests and/or finance charges posted to the credit card account; or HK$300, whichever is higher plus any outstanding minimum payment
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
- 5% on eligible spend
Up to 5% rebate on dining, medical services, sportswear and fitness clubs spending (single transaction HK$300+); up to 1% on other retail spending. Registration via DBS Card+ app required. Monthly cap: HK$8,000 (Signature) / HK$4,000 (Platinum) for 5% categories; HK$20,000 (Signature) / HK$15,000 (Platinum) for 1% other retail.
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.
Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.
Compare side by side
- DBS Eminent CardvsBlue Cash® Credit Card from American Express
- DBS Eminent CardvsBOC Bliss Card
- DBS Eminent CardvsBOC Chill World Mastercard
- DBS Eminent CardvsBOC HKMU Dual Currency Platinum Card
- DBS Eminent CardvsBOC HKUST Platinum Card
- DBS Eminent CardvsBOC SaSa Dual Currency Credit Card
- DBS Eminent CardvsCiti Cash Back Card
- DBS Eminent CardvsCiti HKTVmall Card
- DBS Eminent CardvsDah Sing ONE+ Credit Card
- DBS Eminent CardvsDBS COMPASS VISA
- DBS Eminent CardvsDBS Live Fresh Card
- DBS Eminent CardvsGBA Youth Card
Browse by card type
Compare the DBS Eminent Card against every other card in its category.
Questions and answers
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Sources
- Credit Card Compare
- Credit card statistics for Hong KongHow CardIQ scores cards
- Issuer
- DBS

