DBS Business Credit Card in Hong Kong: Features & Fees

Running a business in Hong Kong means keeping a close eye on expenses and cash flow. A business credit card can help manage day to day spending, but choosing the right one is not always simple.

If you are considering a DBS business credit card, it is important to understand its features, fees, and how it fits your needs, especially for international payments. This guide covers what the card offers, what it costs, and how to apply.

We’ll also introduce Wise Business as an alternative for managing global payments, particularly if you’re looking for a simpler, more transparent way to handle cross-border transactions.

Learn more about Wise Business

DBS Business Credit Card features

For its business customers, DBS Hong Kong offers a credit card line known as DBS VISA Business Card, which provides quite comprehensive financial solutions, especially for SMEs. This credit card can be a gateway for companies to manage everyday spending and expand their business beyond Hong Kong.

Let’s look at the key features of a DBS business credit cards³:

• Quarterly and annual spending summaries: track nominated cardholders’ and company totals with breakdowns by country and spending category (reports generated only when there is spending).
• Billing options at your choice: consolidated billing (both company and individual monthly statements sent to the company) or individual billing (company statement to your nominated contact; individual statement to the cardholder).
• Free assignment of credit limit to your employees: set the credit limit for each employee’s business card; DBS works with you to determine the most suitable overall company limit (employee limit subject to the company’s total available credit limit).
• Liability Waiver Protection: protection against eligible losses from employee card misuse, with cover up to HK$190,000 per cardholder and up to HK$12,000,000 per company (requires 2 or more employees with DBS Visa Business Cards).

DBS Business Credit Card fees and eligibility

​​Before applying for this DBS business credit card, it’s always worth checking both the eligibility rules and the fees.

The DBS official page states that only limited companies registered in Hong Kong, who are existing Business Banking customers, will be eligible for the DBS VISA Business Card.³

However, it is worth noting that the final decision will be subject under many different circumstances, and DBS Hong Kong still reserves all the right to reject your business credit card application.

Next, let’s take a look at the fee table from DBS for its business credit card^1,4:

As you might have already seen, the APRs for credit cards are generally high. But, these charges can be avoided or lessened by settling the full outstanding balance before the payment due date and minimizing the use of cash advances.

How to apply for the DBS Business Credit Card in Hong Kong?

You will need to apply for a business account with DBS in Hong Kong first. Interested in opening a DBS business account with your business credit card? Read this guide to open a business account with DBS in Hong Kong.

After becoming a business customer with DBS Hong Kong, you may visit the DBS SME Banking Centre between 9:00am and 5:00pm on weekdays at the following address:³

Units 1201 & 1217A–1218, Mira Place Tower A, 132 Nathan Road, Tsim Sha Tsui, Kowloon, Hong Kong.

Talk to the staff at the branch and follow their instructions to apply for a DBS business credit card.

Frequently Asked Questions

Can I use my DBS business credit card for international payments?

Yes, you can definitely use your DBS business credit card for any international payments as long as the vendors accept payment with Visa.

You should always be aware of all the fees regarding international payments and make sure to pay your outstanding balance in a timely manner to avoid unpleasant surprises.

What are the main fees to watch out for with a DBS business credit card?

Business credit cards like DBS are powerful tools for global businesses. However, it is important to stay mindful of the fees – otherwise, you may overlook key charges and incur unnecessary fees. If you plan to use credit cards mainly for international payment, watch out for any foreign currency transaction fees – as these fees can add up pretty quickly.

How does Wise compare to a DBS business credit card for making international payments?

A DBS business credit card is convenient for spending and short-term credit, but international payments usually come with foreign transaction fees and potentially high interest if balances aren’t cleared on time.

Wise Business is built for cross-border payments. It uses the real exchange rate with transparent, low fees, which can make it more cost-effective for paying overseas suppliers or sending money abroad. It’s also fully online, making it quicker and easier to manage global transactions.

The DBS business credit card can be a useful tool for managing company expenses, offering flexibility, employee card controls, and spending insights. However, it’s important to consider the costs involved, especially annual fees, high APRs, and foreign transaction charges, which can add up over time.

For businesses that frequently deal with international payments, exploring alternatives can help reduce costs and simplify operations. Wise Business stands out with its transparent pricing, real exchange rates, and fully digital experience, making it a strong complement or alternative to traditional business credit cards.

If your business regularly sends or receives money internationally, it’s worth considering a solution designed specifically for cross-border payments. Wise Business offers a simpler, more transparent way to manage global finances, without the hidden costs often associated with traditional credit cards.

Ready to simplify your global payments? Open a Wise Business account today and get started with:

• Free self-service account setup: Open your account online in minutes with no monthly fees and start enjoying hassle-free payment services right away.
• Manage global funds with ease: Get paid in 23+ currencies in one account, including local account numbers for 8+ major currencies, so you can receive local transfers for free.
• No hidden exchange rate markups: All fees are transparent, with real-time market exchange rates, and fees as low as 0.26%. Save more on every transaction.
• Instant cross-border payments: Send money to 140+ countries. Quick processing — over 60% of remittances arrive within 20 seconds. Track your payments in real-time.
• Easily handle bulk payments: Upload a CSV file and the system will process up to 1,000 payments at once. You can also integrate Wise’s API for fully automated payment workflows.
• Professional invoicing tool: Create and send invoices, add your account details or payment links, making payments simpler and quicker.
• Boost team collaboration: Add team members to your account, work together on payments, download statements, and track transactions more efficiently.

Or learn more about Wise Business and see how it can support your company’s growth across borders.

Learn more about Wise Business

Sources last checked on 17-Apr-2026