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, The Mira, and The Peninsula.
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 | 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) |
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 Privilieges
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 a range of healthcare benefits tailored to health enthusiasts. Apart from offering a 5% cashback on fitness club and medical services expenses, cardholders can also take advantage of special offers such as a 7-day unlimited trial pass for PURE Yoga and PURE Fitness, up to 52% discount on designated check-up plans, and up to 15% discount on preventive vaccines.
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. With this, DBS Eminent Visa Signature cardholders can enjoy up to 15% off at cafes and restaurants in some of Hong Kong’s premier hotels, such as the Hyatt Regency Hong Kong, The Mira, and The Peninsula.
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 10% cash rebate, up to a maximum of HK$450, 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: 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.
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?
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.
Can the DBS Eminent Card be used with electronic wallets?
The DBS Eminent Card can be used with Payme, Alipay, and WeChat Pay. Cardholders can also earn a 1% rebate on the first HK$5,000 spent on E-Wallet each calendar month, excluding any E-Wallet Retail Spending exceeding HK$5,000.
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