HK 中文
Black World Mastercard
DBS

Black World Mastercard Calculator

Best for: Registered frequent travellers and international shoppers who spend at least HK$20,000 monthly and pay overseas merchants in foreign currency

View official details
Monthly Cashback HKD 0
Effective Rate 0.00%
Eligible Overseas Foreign-currency Spending 1.2% DBS$ value, or 2.4% after the HKD 20,000 spending goal
HKD
1.2% HKD 0
E-Wallet Spending 0.4% cashback (1X DBS$, first HK$5,000 counts toward threshold)
HKD
0.4% HKD 0
Local Retail Spending 0.8% DBS$ value (2X) on eligible local retail spending
HKD
0.8% HKD 0
Promotion eligibility and exclusions

Enter overall eligible spending for one DBS Black card account. The calculator estimates one calendar month and assumes successful promotion registration.

Registration and calculation notes

  • Registration through the DBS Card+ app is required once during the 2026 promotion. If registration occurs during the promotion period, bonus eligibility starts on the following calendar day.
  • The 6X overseas rate requires HKD 20,000 of eligible retail spending in the calendar month. Refunded or cancelled spending reduces progress toward this goal.
  • Basic and extra DBS$ are each rounded down to whole DBS$. The calculator uses entered monthly category totals, so results remain estimates.
  • The monthly Extra Reward cap is DBS$240 and the 2026 promotion cap is DBS$2,880. This monthly calculator does not track rewards earned in earlier months.
  • Spending on supplementary cards is combined with the principal card account, but spending across separate DBS Black card accounts cannot be combined.

Overseas Spending definition

  • The 3X or 6X rate applies to retail purchases settled in foreign currency at a point of sale outside Hong Kong. For online purchases, DBS uses the merchant’s place of registration or settlement.
  • Transactions settled in HKD or MOP outside Hong Kong are excluded. Choosing HKD through Dynamic Currency Conversion does not qualify.

E-wallet treatment

  • Only the first HKD 5,000 of eligible e-wallet retail spending contributes to the spending goal and earns rewards.
  • This category includes adding value to Octopus through Apple Pay, Google Pay or Samsung Pay; reloading wallets such as PayMe, WeChat Pay or Alipay; and eligible spending conducted through those wallets.
  • Ordinary Octopus Automatic Add-Value Service reloads and their application or handling fees remain excluded.

Not eligible for this promotion

  • Card Interest-free Instalment Loans and Credit Card Interest-free Merchant Instalment Plans, including their subsequent monthly payments.
  • Cash advances and related fees, Flexi Cash, Call-a-loan, Funds Transfer, Balance Transfer and Flexi Shopping Programme transactions.
  • Casino chips, foreign exchange, funds or securities purchases, insurance payments and tax payments.
  • Annual fees, finance charges, late charges and bill payments made through DBS iBanking, JET Payment Service, DBS Card+ Pay & Transfer or other specified channels.
  • Fund transfers, purchases or reloads of stored-value cards other than the specifically eligible e-wallet activity described above.
  • Transactions settled in HKD or MOP at merchants outside Hong Kong, including online merchants based or settled outside Hong Kong.
  • Reversed, cancelled, charged-back, returned or refunded transactions, and other transaction types DBS designates as ineligible.
Calculator verified: 4 Aug 2026 Rates may change over time, and bank may not have same interpretation as us. Always verify with bank before applying.
View Official Terms

The DBS Black World Mastercard earns DBS$ that can be used through the DBS$ Cash Rebate or Redemption schemes. Eligible overseas retail purchases settled in foreign currency earn 6X DBS$ when the principal cardholder registers through DBS Card+ and reaches HK$20,000 of eligible retail spending in the calendar month. Without the promotional bonus, eligible overseas foreign-currency spending earns 3X DBS$. Eligible local retail spending earns 2X, while eligible e-wallet retail spending earns 1X. The monthly Extra Reward is capped at DBS$240 and the 2026 promotion cap is DBS$2,880. Only the first HK$5,000 of eligible e-wallet activity contributes to the spending goal and earns rewards. Overseas transactions settled in HKD or MOP do not qualify, and online eligibility depends on the merchant's place of registration or settlement. Separate DBS Black card accounts cannot combine spending, although supplementary-card spending is combined with the principal account.

Advantages

  • 6X DBS$ on eligible overseas foreign-currency spending after meeting the spending goal
  • 3X DBS$ basic reward on eligible overseas foreign-currency spending
  • Flexible redemption: DBS$1 = HK$1 cash OR DBS$48 = 1,000 miles
  • Eligible online purchases from overseas merchants can qualify
  • No caps on base 1X/3X earning rates
  • Annual fee waived first year

Considerations

  • Registration and HK$20,000 monthly eligible spending required for 6X
  • Monthly extra reward cap of DBS$240 limits high spenders
  • Only 2X on local spending (moderate compared to competitors)
  • E-wallet spending capped at HK$5,000 toward threshold
  • Annual fee of HK$3,800 after first year
  • Must register via DBS Card+ app for promotion
Annual Fee: HK$3800 Min. Income: HK$240000/year

Related Guides

View all