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 | ★★☆☆☆ | – Up to 7% off on Agoda – Up to 52% discount on designated check-up plans from Blue Care Medical Centre– Up to 10% off at Nina Hotel Tsuen Wan West – RÚ– Up to 15% off on ZALORA |
| 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
- DBS Eminent Card: Welcome Offer
- DBS Eminent Card: Eligibility
- Final Verdict: DBS Eminent Card – Is it Good?
- 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, capped at HK$8,000
- Up to 7% off on Agoda
- Up to a 52% discount on designated check-up plans from Blue Care Medical Centre
- Up to 10% off at Nina Hotel Tsuen Wan West – RÚ
- Up to 15% off on ZALORA
For more information and the latest promotions, visit MoneySmart.
DBS Eminent Card: 5% Cash Back on Designated Categories
Every month, you can get 5% cash back on dining, fitness centres, sportswear, and medical services, as long as you spend a net amount of HK$300 or more. The cash back is capped at HK$8,000 spending for related transactions per month, which means you can earn up to HK$400 cash back. But don’t forget to register on the DBS Card+ app after you get your card!
You also get 1% cash back on other retail transactions (capped at HK$20,000 spending per month).
| Cash Back Category | Cash Back Rate | Minimum Spend | Monthly Spending Cap | Maximum Monthly Cashback |
| Dining, Fitness Centres, Sportswear, and Medical Services | 5% | 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 | 1% | N/A | HK$20,000 (Visa Signature Card)
HK$15,000 (Visa Platinum Card) |
HK$200 (Visa Signature Card)
HK$150 (Visa Platinum Card) |
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 | 35.70% |
| Late Payment Fees | Max. HK$300 |
| Minimum Monthly Repayment | Varies |
| 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$180 |
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
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:
- Up to 7% off on Agoda
- Up to a 52% discount on designated check-up plans from Blue Care Medical Centre
- Up to 10% off at Nina Hotel Tsuen Wan West – RÚ
- Up to 15% off on ZALORA
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$850. Here’s what you can expect:
- New customers can enjoy 10% cashback during the welcome period by spending a specified amount or applying for a specific loan. There is a cashback limit of HK$450.
- Additional HK$100 cashback: Accumulate a total auto-reload amount of HK$1,000 through Octopus Automatic Add Value Service during the spending period with the new card, or apply for a Flexi Shopping Installment Plan of 12 months or more.
- HK$50 “InstaRedeem” amount: Confirm and activate the new card within the first two months after the issuance date.
- If you apply through the DBS Card+ app, you can enjoy an additional HK$50 “InstaRedeem” discount as part of the welcome offer.
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).
Final verdict: DBS Eminent Card: Is it good? DBS Eminent Card Features
The DBS Eminent Card is suitable for foodies who frequently spend on dining or 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
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?
The DBS Eminent Card requires applicants to have an annual income of HK$360,000 (Visa Signature Card) / HK$150,000 (Visa Platinum Card).
What is the welcome offer for the DBS Eminent Card?
New customers can enjoy 10% cashback during the welcome period by spending a specified amount, with a cashback limit of HK$450. There are also additional cashback offers available.
What are some of the perks of the DBS Eminent Card?
Perks include up to 7% off on Agoda, up to 52% off on designated check-up plans from Blue Care Medical Centre, up to 10% off on Nina Hotel Tsuen Wan West – RÚ, and up to 15% off on ZALORA.
Related Articles
Want to stay ahead of the crowd? Visit the MoneySmart blog for more financial tips!
MoneySmart—Your One-Stop Financial Products Platform
Homepage: www.moneysmart.hk/en/