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DBS Black World Mastercard®

Data last updated 27 October 2026
31.10%
Purchase rate
HK$0
Annual fee
32,000
Bonus points

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DBS Black World Mastercard® card
Application

CardIQ

41Fair

Fair

Overall score, out of 100 · How this works

  • No annual fee43
  • Rewards30
  • Sign-up bonus50

Customer reviews

No reviews yet. Be the first to review the DBS Black World Mastercard®.

Pros & cons

What's good

  • 32,000 bonus miles to start, worth around HK$2,880 at our 9c-per-mile valuation.
  • The 31.1% p.a. purchase rate is among the lowest ongoing purchase rates (the median card charges 32% p.a.).
  • No annual fee.
  • Earns 1 mile per HK$2 on overseas spend.
  • Up to 60 interest-free days on purchases, longer than most cards.

Worth noting

  • The annual fee increases from HK$0 to HK$3,600 in the second year.
  • Earns 1 mile per HK$6 on everyday spend, below the dataset average.
  • Requires a minimum income of HK$240,000 a year.

Card details

The basics

Additional cardholder fee
HK$1,800 p.a.
Card tier
Black
Card type
Mastercard
Card use
Personal
Credit limit
Not published
Credit rating
Not published
Rewards program
DBS$ (as Asia Miles)

Eligibility

Instant approval
Not published
Joint application
Not published
Minimum age
18 years old
Minimum income
HK$240,000 p.a.
Residency
Hong Kong resident
Temporary residents
Not published

Rates & fees

Ongoing interest rates

Cash advances
29.42% p.a.
Purchases
31.10% p.a.

Fees

Additional cardholder fee
HK$1,800
Annual fee
No annual fee
Annual fee (year 2+)
HK$3,600 p.a.
Cash advance fee
4% of the amount
Foreign transaction fee
1.95%
Late payment fee
HK$350
Over limit fee
HK$250

Repayments

Interest-free period
Up to 60 days on purchases
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

Balance transfers

This card has no promotional balance transfer offer.

Introductory purchase offer

This card has no introductory purchase rate offer.

Rewards

Earn rate

Everyday spend
1 mile per HK$6
Bonus categories
None
Other purchases
None
Overseas spend
1 mile per HK$2 on overseas spend
Reduced rate above monthly cap
None
Points cap
Uncapped
Points expiry
—

Sign-up bonus

Bonus spend required
—
Sign-up bonus
32,000 points

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

Interest-free days60 daysTied for best (1st of 40 cards)
Rewards valueHK$540 a yearTop 10% (2nd of 18 cards)
Sign-up bonusHK$2,880Top 10% (2nd of 11 cards)
Purchase rate31.10%Top 25% (7th of 40 cards)
Overseas fee1.95%Top 25% (10th of 40 cards)
Annual feeHK$3,600 a yearAmong the most expensive (37th of 40 cards)

Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Questions and answers

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Sources

Credit Card Compare
Credit card statistics for Hong KongHow CardIQ scores cards
Issuer
DBS