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Live Fresh Card
DBS

Live Fresh Card Calculator

Best for: Young professionals who regularly make transactions of HK$300+ in one category and don't mind using the DBS Card+ app to claim rewards

View official details
Monthly Cashback HKD 0
Effective Rate 0.00%
Travel, Entertainment & Digital Discovery (Txn ≥ HK$300) Netflix, Spotify, App Store, cinemas, Agoda, Booking.com, Klook, etc.
HKD
0.4% HKD 0
Online Fashion/Beauty & Selected Merchants (Txn ≥ HK$300) Nike, UNIQLO, ZARA, SEPHORA, SaSa, Amazon, Rakuten, Gmarket
HKD
0.4% HKD 0
Green Merchants & Online Charity (Txn ≥ HK$300) Eco stores (GreenPrice, SLOWOOD) and online charity donations
HKD
0.4% HKD 0
Online Foreign Currency (Txn ≥ HK$300) 1% base (always) + 5% extra if selected. Must be BOTH online AND non-HKD.
HKD
1.0% HKD 0
Other Eligible Spending 0.4% base rate on all other eligible spending
HKD
0.4% HKD 0
5% Cash Boost eligibility and exclusions

The calculator estimates the best category for your monthly totals. Expand for registration, redemption and transaction details.

How to receive the extra 5%

  • Register for 5% Cash Boost in DBS Card+, enable InstaRedeem notifications and select one category. Your initial selection applies for that calendar month.
  • Your category continues automatically. A new selection made by month-end takes effect on the first day of the following month.
  • Click the red InstaRedeem button for each eligible transaction within 45 calendar days of its transaction date.
  • Only single net transactions of at least HKD 300 qualify. The calculator assumes amounts entered in the four category fields meet this requirement and automatically shows the highest-value choice.
  • The extra 5% is capped at HKD 200 per calendar month. DBS rounds each transaction reward down to two decimal places, so an aggregate estimate may differ slightly.

Category classification notes

  • Online transactions and merchant categories are determined by Mastercard or the acquiring bank.
  • Online travel booked online but charged by the property at a physical point of sale is not eligible for the 5% Cash Boost.
  • Online foreign-currency spending must be classified as online and conducted in a currency other than Hong Kong dollars.
  • A transaction already rewarded under another InstaRedeem promotion cannot also receive this reward.

Not eligible for the 5% Cash Boost

  • Hong Kong dollar transactions at online merchants registered or settled outside Hong Kong.
  • Fund or security purchases, foreign exchange, cash advances and related fees, and casino chips.
  • Finance charges, late charges and credit card annual fees.
  • Call-a-loan, Balance Transfer, Funds Transfer, Flexi Shopping and Credit Card Interest-free Merchant Instalment Plan amounts.
  • Octopus Automatic Add-Value Service application or handling fees and e-wallet reloads, including PayMe, WeChat Pay and Alipay.
  • Insurance payments, tax payments and bill payments.
  • Cancelled, reversed, 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 Live Fresh Card lets you select one category for an extra 5% cashback on top of the base rate. The four 2026 choices are Travel, Entertainment and Digital Discovery (online travel, entertainment and selected subscriptions), Online Fashion/Beauty and Selected Merchants, Sustainability and Charity, or Online Foreign Currency spending. The 5% extra applies only to single transactions of HK$300 or above, giving a total rate of 5.4% on HKD categories (0.4% base + 5% extra) or 6% on Online Foreign Currency (1% base + 5% extra). The extra 5% is capped at HK$200 per month, equating to HK$4,000 in spending. Register and select a category in DBS Card+; it continues until changed, while a new selection takes effect the following month. Each qualifying transaction must be claimed through InstaRedeem within 45 days.

Advantages

  • Up to 6% total cashback on Online FCY when selected (1% base + 5% extra)
  • 5.4% total on chosen HKD category (0.4% base + 5% extra)
  • 4 flexible category options - change monthly to match your spending
  • 1% base on online foreign currency even when not selected (no cap, automatic)
  • No minimum monthly spending requirement
  • Annual fee waived first year
  • Lower income requirement (HK$150,000) than premium cards

Considerations

  • HK$200 monthly cap on extra 5% cashback (= HK$4,000 spending)
  • Only transactions of HK$300+ qualify for the extra 5%
  • Must manually click InstaRedeem within 45 days for each 5% transaction
  • Requires DBS Card+ app registration and ongoing management
  • Only 0.4% base rate on non-bonus HKD spending (low)
  • Online FCY must be BOTH online AND foreign currency
Annual Fee: HK$1800 Min. Income: HK$150000/year

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