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DBS Live Fresh Card

Data last updated 27 October 2026
31.10%
Purchase rate
HK$0
Annual fee
500
Bonus points

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DBS Live Fresh Card card
Application

CardIQ

36Basic

Basic

Overall score, out of 100 · How this works

  • Cashback75
  • No annual fee43
  • Rewards8
  • Sign-up bonus20

Customer reviews

No reviews yet. Be the first to review the DBS Live Fresh Card.

Pros & cons

What's good

  • 500 bonus DBS$ to start, worth HK$500.
  • 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$1,800 in the second year.
  • Requires a minimum income of HK$150,000 a year.

Card details

The basics

Additional cardholder fee
HK$900 p.a.
Card tier
Platinum
Card type
Not published
Card use
Personal
Credit limit
Not published
Credit rating
Not published
Rewards program
DBS$

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$900
Annual fee
No annual fee
Annual fee (year 2+)
HK$1,800 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

Earn rate

Earn rate
—
Points expiry
—

Cashback

Ongoing cashback
6% on eligible spend

Up to 6% cash rebate: 5% on chosen category plus 1% on online foreign currency spending

Sign-up bonus

Bonus spend required
Accumulated Eligible Spending of HK$5,000 or above
Sign-up bonus
500 points

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.

Interest-free days60 daysTied for best (1st of 40 cards)
Purchase rate31.10%Top 25% (7th of 40 cards)
Overseas fee1.95%Top 25% (10th of 40 cards)
Annual feeHK$1,800 a yearMiddle of the market (24th of 40 cards)
Sign-up bonusHK$500Among the weakest we track (11th of 11 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
DBS