DBS Eminent Card Review

DBS Eminent Card—that’s the card you may want to keep handy in your wallet! Why, you ask? Well, because it rewards you with a 5% cash back on dining spending. But there’s more! It also gives you a 5% cash back on fitness centre, sportswear, and medical services billing. Perfect for those who like to spend to maintain their lifestyle.

Not sure if it’s worth applying? Don’t sweat it! Just hop on over to our blog for a more detailed look!

DBS Eminent Card review: Is it worth applying? MoneySmart credit card rating

DBS Eminent Card Review—Is it money smart?
Overall: ★★★☆☆
Best for: Cash Back
Category	Our rating	Explanation
Earn rates: Cash Back	★★★☆☆	– 5% cash back (capped at HK$8,000 spending) on designated categories if the single spending over HK$300 – 1% cash back (capped at HK$20,000 spending) for other retail spending
Earn categories	★★★☆☆	– Dining, fitness centre, sportswear, and medical services billing are eligible for 5% cash back – All other spending is eligible for earning cash back under the 1% cash back rate
Annual fees and charges	★★★☆☆	– HK$2,000 annual fee – First-year waiver
Accessibility	★★☆☆☆	– Visa Signature Card: An annual income of HK$360,000 is required – Visa Platinum Card: An annual income of HK$150,000 is required
Extras/periphery rewards	★★☆☆☆	–7-day unlimited trial pass for PURE Yoga and PURE Fitness –Up to 52% discount on designated check-up plans –Up to 15% discount on preventive vaccines
Welcome offer	★★☆☆☆	– Up to HK$600 welcome offer

Table of Contents: DBS Eminent Card Review

DBS Eminent Card: 5% Cash Back on Designated Categories
DBS Eminent Card: Annual Fees and Charges
DBS Eminent Card: Accessibility
DBS Eminent Card: Perks and Privileges
DBS Eminent Card: Welcome Offer
DBS Eminent Card: Eligibility
Review: Should you apply for a DBS Eminent Card?
DBS Eminent Card Features
Frequently Asked Questions: DBS Eminent Card
Related Articles

DBS Eminent Card overview

The DBS Eminent Card offers various benefits and features, including:

5% cash back on designated categories if the single spends over HK$300
Up to a 52% discount on designated check-up plans from Blue Care Medical Centre
Visa Signature: Up to 15% off at cafes and restaurants in some of Hong Kong’s premier hotels, such as the Hyatt Regency Hong Kong, and The Mira.

For more information and the latest promotions, visit MoneySmart.

DBS Eminent Card: 5% Cash Back on Designated Categories

DBS Eminent cardholders can enjoy up to a 5% cash rebate on designated spending categories (dining, fitness centres, sportswear, and medical services). This offer applies to a single expenditure of HK$300 or more upon successful registration via the DBS Card+ app:

Cash Back Category

Cash Back Rate

Minimum Spend

Monthly Spending Cap

Maximum Monthly Cashback

Dining, Fitness Centres, Sportswear, and Medical Services

HK$300

HK$8,000 (Visa Signature Card)

HK$4,000 (Visa Platinum Card)

HK$400 (Visa Signature Card)

HK$200 (Visa Platinum Card)

Other Retail Transactions

N/A

HK$20,000 (Visa Signature Card)

HK$15,000 (Visa Platinum Card)

HK$200 (Visa Signature Card)

HK$150 (Visa Platinum Card)

Visa Signature cardholders can earn a 5% rebate, up to a monthly HK$400 cash rebate, on the first HK$8,000 of eligible spending across four designated spending categories per month. Meanwhile, Visa Platinum cardholders can earn a 5% rebate, up to a monthly HK$200 cash rebate, on the first HK$8,000 of eligible spending across the same categories per month.

Following this, a 1% rebate is available on the first HK$20,000 (for Visa Signature Card) or HK$15,000 (for Visa Platinum Card) of other retail spending within the calendar month. This includes the first HK$5,000 in E-Wallet retail spending each calendar month but excludes any E-Wallet retail spending exceeding HK$5,000.

DBS Eminent Card: Annual Fees and Charges

The DBS Eminent Card has an annual fee of HK$2,000 (Visa Signature Card) / HK$1,800 (Visa Platinum Card) , but you can enjoy a fee waiver in the first year. After that, you may be asked to pay the annual fee each year. (To learn more about the fee waiver, click here.)

Annual Principal Fee	HK$2,000 / HK$1,800
Fee Waiver	Possible by calls
Interest Free Period	Up to 60 days
Annual Interest Rate (Retail)	34.58%
Annual Interest Rate (Cash)	35.94%
Late Payment Fees	HK$350
Minimum Monthly Repayment	HK$300
Foreign Currency Transaction Fee	1.95%
Cash Advance Transaction Fee	4% of the cash amount or less, or a min.HK$100 plus HK$20 admin fee
Overlimit Fee	HK$250

DBS Eminent Card: Accessibility

The DBS Eminent Card requires applicants to have an annual income of HK$360,000 (Visa Signature Card) / HK$150,000 (Visa Platinum Card).

DBS Eminent Card: Perks and Privileges

The DBS Eminent Card doesn’t fall behind when it comes to credit card perks. Here are some of the perks offered by the DBS Eminent Card:

Exclusive healthcare benefits

The DBS Eminent Card provides the following health and medical perks for its cardholders in 2025: Up to 32% off designated health check programmes at CUHK Medical Centre or CUHK Medical Clinic; health check-up plans Up to 35% off and 3 times 50% one-off handling fee rebate on medical service spending instalments.

Dining Offers for DBS Eminent Visa Signature Cardholders

Visa Signature cardholders have access to exclusive perks including global customer assistance, Visa Signature concierge services, and other unique privileges. One of the significant benefits that stand out is the dining offers. DBS Eminent Visa Signature cardholders can enjoy the year-round dining benefits, as well as the following perks:

Earn up to HK$750 e-Vouchers with Overseas Dining Spending

Upon registration via Visa’s designated website and make a single net spending equivalent to HK$800 or above at overseas restaurants* with DBS Eminent Card during the promotion period, you will be rewarded with:

A HK$50 Dining e-Voucher
(The voucher is valid at Starbucks, Cova and Sen-ryo physical stores in Hong Kong)

(Each cardholder can only be entitled to up to 5 e-Vouchers each phase, and up to 15 e-Vouchers throughout the entire Promotion Period with the Applicable Credit Card.)

Promotion Period:

Phase 1: 16 Dec 2024 to 16 Jan 2025
Phase 2: 17 Jan 2025 to 16 Feb 2025
Phase 3: 17 Feb 2025 to 16 Mar 2025

Conrad Hong Kong Up to 10% off

15% off food and beverage consumption at Brasserie on the Eighth / Nicholini’s / Golden Leaf / Garden Café / Lobby Lounge / Pacific Bar

15% off cakes and pastries at Cake Shop

DBS Eminent Card: Welcome Offer

Applying for a new DBS Eminent credit card allows you to take advantage of a welcome offer of up to HK$600. Here’s what you can expect:

New customers can enjoy a 10% cash rebate, up to a maximum of HK$500, by accumulating retail spending of HK$3,000 or above within 3 months after card issuance. Alternatively, if you apply for a designated Instant Cash Service (e.g. call-a-loan or funds transfer) online and it gets approved, the cashed-out loan amount can be considered as eligible spending, up to a cap of HK$3,000.
Additional HK$100 cashback: New Customers who reload their Octopus via the Octopus Automatic Add-Value Services, or “E-Wallet Spending” (definition as per clause 11) conducted via PayMe, WeChat Pay and Alipay, and the accumulated amount is HK$1,000 or above with the New Card within the Spending Period, are entitled to Extra HK$100 Cash Rebate (“Extra Cash Rebate”)

DBS Eminent Card: Eligibility

To apply for the DBS Eminent Card, there is an annual income requirement of HK$360,000 (Visa Signature Card) / HK$150,000 (Visa Platinum Card).

Also, you are also expected to fulfil the following requirements:

You are 18 years of age or older.
You are a resident or citizen of Hong Kong or Macau.
You have an annual income of HK$360,000 (Visa Signature Card) / HK$150,000 (Visa Platinum Card).

Review: Should you apply for a DBS Eminent Card?

If you frequently spend on designated categories such as dining, fitness clubs, sportswear, and medical services, the DBS Eminent Card is an appealing choice to consider. It offers an impressive 5% cash rebate on these specified spending categories, capped at HK$400 per month for Visa Signature cardholders and HK$200 for Visa Platinum cardholders.

In addition to this, you can also get a basic 1% rebate on other retail spending, including spending with electronic wallets such as Payme, Alipay, or WeChat Pay. However, this rate is relatively lower compared to general credit cards. Therefore, it is advisable to have an additional credit card with higher cashback rates for daily spending outside of these designated categories.

DBS Eminent Card advantages:

Enjoy up to 5% cashback for dining, fitness centres, sportswear, and medical services with a single net spend of HK$300 or above
1% cashback for other eligible retail transactions
Up to a 30% discount at designated restaurants
Selected health and wellness benefits at up to a 52% discount or special experience
Complete the “DBS Eminent Card Up to 5% Cashback Programme” registration via the DBS Card+ app. Eligible transactions for cashback are calculated on the day after successful registration.

DBS Eminent Card disadvantages:

A minimum spending is required
Quite a demanding income requirement for Visa Siganture card

Is it worth applying? Absolutely. With its card perks and miles redemption, the DBS Eminent Card has established itself as a dining credit card among other credit cards. If you are a big spender on dining and other designated categories: fitness centre, sportswear, and medical services billing,.

For more information and the latest promotions, visit MoneySmart.

Frequently Asked Questions: DBS Eminent Card

How is the cash rebate of the DBS Eminent Card credited?

Every DBS$1 earned is automatically converted into a HK$1 cash rebate on the statement cycle’s issue date, and is credited to the card account the following day.

What is the cash back rate for dining, fitness centres, sportswear, and medical services on the DBS Eminent Card?

The DBS Eminent Card offers a 5% cash back on dining, fitness centres, sportswear, and medical services with a single net spending of HK$300 or above.

What is the annual fee for the DBS Eminent Card?

The DBS Eminent Card has an annual fee of HK$2,000 (Visa Signature Card) / HK$1,800 (Visa Platinum Card). But you can have a fee waiver in the first year.

What is the income requirement for the DBS Eminent Card?