DBS Black World Mastercard® vs HSBC Visa Signature Card
Compare DBS Black World Mastercard®, HSBC Visa Signature Card side by side: annual fees, interest rates, rewards and eligibility to find the right card for you.
 DBS Black World Mastercard® |  HSBC Visa Signature Card |
|---|
Card details
CardIQ
How we calculate scores| Overall | 41Fair Highest | 39Basic |
|---|---|---|
| No annual fee | 43/100Highest | 42/100 |
| Rewards | 30/100 | 30/100 |
| Sign-up bonus | 50/100Highest | 44/100 |
The basics
| Card tier | Black | Signature |
|---|---|---|
| Card type | Mastercard | Visa |
| Credit rating | Not published | Not published |
| Rewards program | DBS$ (as Asia Miles) | HSBC RewardCash |
| Credit limit | Not published | Not published |
Eligibility
| Minimum age | 18 years old | Not published |
|---|---|---|
| Minimum income | HK$240,000 p.a. | HK$240,000 p.a. |
| Residency | Hong Kong resident | Not published |
| Joint application | Not published | Not published |
| Temporary residents | Not published | Not published |
| Instant approval | Not published | Not published |
Repayments
| Interest-free period | Up to 60 daysHighest | Up to 56 days |
|---|---|---|
| Minimum repayment | If the total outstanding balance is HK$300 or above, the minimum payment is the sum of the followings: 1. all charges, fees, costs, expenses, interests and/or finance charges posted to the current statement…3. 1% of the statement balance excluding all charges, fees, costs, expenses, interests and/or finance charges posted to the credit card account; or HK$300, whichever is higher | (a) Total fees and charges currently billed to the card statement plus 1% of the statement balance (excluding any fees and charges currently billed) as at the statement date, or (b) HKD300, whichever is higher; plus overdue or overlimit due |
Rates & fees
Ongoing interest rates
| Purchases | 31.10% p.a.Lowest | 31.80% p.a. |
|---|---|---|
| Cash advances | 29.42% p.a.Lowest | 31.80% p.a. |
Fees
| Annual fee | No annual fee | No annual fee |
|---|---|---|
| Monthly fee | — | — |
| Additional cardholder fee | HK$1,800 | HK$1,000Lowest |
| Cash advance fee | 4% of the amount | 1% of the amount |
| Foreign transaction fee | 1.95% | 1.95% |
| Late payment fee | HK$350 | HK$300Lowest |
Rewards
How many points could you earn?
Enter your monthly spend to see estimated annual points for each card below.
Earn rate
| Everyday spend | 1 mile per HK$6 | 1.6 RewardCash dollars per HK$100 |
|---|---|---|
| Bonus categories | None | 3.6 RewardCash dollars per HK$100 in bonus categories |
| Other purchases | None | None |
| Overseas spend | 1 mile per HK$2 on overseas spend | None |
| Reduced rate above monthly cap | None | None |
| Points cap | Uncapped | Uncapped |
| Points expiry | — | — |
| Estimated annual points | 38,000 ptsWorth HK$3,420Highest | 1,376 ptsWorth HK$1,376 |
Sign-up bonus
| Sign-up bonus | 32,000 pointsHighest | 800 points |
|---|---|---|
| Bonus spend required | — | — |
Related comparisons
Sources
- Credit Card Compare
- How CardIQ scores cards