DBS

Eminent Visa Signature Card Calculator

Best for: Regular diners, gym members, and those with medical expenses who make transactions of HK$300+ and want straightforward 5% cashback

View official details

Monthly Cashback HKD 0

Effective Rate 0.00%

Dining (Single Txn ≥ HK$300) 5% cashback on restaurant dining

HKD

5.0% HKD 0

Sportswear (Single Txn ≥ HK$300) 5% cashback on sportswear purchases

HKD

5.0% HKD 0

Fitness Clubs (Single Txn ≥ HK$300) 5% cashback on fitness club payments

HKD

5.0% HKD 0

Medical Services (Single Txn ≥ HK$300) 5% cashback on medical services

HKD

5.0% HKD 0

E-Wallet Spending 1% cashback (capped at HK$5,000/month)

HKD

1.0% HKD 0

Other Retail Spending 1% cashback on other retail (capped at HK$20,000/month)

HKD

1.0% HKD 0

Programme eligibility and exclusions

The calculator uses the Visa Signature caps and assumes successful 2026 registration. Expand for transaction details.

How the calculator applies the programme

Registration via DBS Card+ is required once for each applicable card. Registration during 2026 takes effect from the next calendar day.
The four 5% categories share an HKD 8,000 monthly cap. Each designated transaction must be at least HKD 300; smaller transactions belong under Other Retail.
The first HKD 5,000 of electronic-wallet retail spending can earn rewards and also forms part of the HKD 20,000 Other Retail cap. Further electronic-wallet spending earns no reward.
Amounts above either enhanced-rate cap earn the 0.4% basic reward. The calculator uses monthly spending totals and cannot reproduce transaction-level posting order or rounding.

Designated-category exclusions

Dining excludes banquets, private parties or events, and food or drink supplied by outlets or counters in hotels, department stores, associations or clubhouses.
Medical services exclude veterinary spending.
DBS classifies categories using Visa or acquiring-bank merchant codes.

Not eligible for this programme

Octopus Automatic Add-Value Service.
Card Interest-free Instalment Loans, Credit Card Interest-free Merchant Instalment Plans, Call-a-loan, Balance Transfer, Funds Transfer and Flexi Shopping transactions or repayments.
Fund purchases, cash advances and related fees, casino chips, and foreign-exchange transactions.
Finance charges, late charges and credit card annual fees.
Overseas point-of-sale transactions settled in Hong Kong dollars, including online transactions where the merchant is registered or settled outside Hong Kong.
Insurance payments, tax payments, bill payments and fund transfers.
Cancelled, reversed, charged-back, returned or refunded transactions, and other transaction types DBS designates as ineligible.

The DBS Eminent Visa Signature Card is designed for health-conscious spenders and regular diners, offering 5% cashback on four Designated Categories: Dining, Sportswear, Fitness Clubs, and Medical Services. Each transaction must be HK$300 or more to qualify for the 5% rate. Other retail spending including online purchases, foreign currency transactions, and groceries earns 1%, while spending above the caps falls to a 0.4% base rate. The monthly caps are reasonably generous, with the 5% rate applying to the first HK$8,000 combined across all four designated categories and 1% applying to the first HK$20,000 of other retail, including up to HK$5,000 of e-wallet spending. Spending above either enhanced-rate cap earns the 0.4% basic reward, while e-wallet spending above HK$5,000 earns no reward. There are some notable exclusions to be aware of: dining does not include banquets, private parties, or food and beverage at hotels, department stores, and clubhouses, while medical excludes veterinary services. Registration via DBS Card+ is required again for the 2026 programme.