Manulife HK vs DBS Card+ HK Usage & Stats

DBS Card+ is a card & loans app personalised and designed just the way you want it. Take control of your credit cards, enjoy superb rewards and apply for personal loans, plus a lot more – anytime, anywhere. Here are some of the great benefits: [Access what you want in seconds] In just a few taps, experience quick, intuitive navigation so you can manage your credit cards and loans. [Apply for a new card in minutes] First-time-ever in Hong Kong! You can apply for a credit card through the app instantly and start shopping right away. [Scan & Pay Anytime, Anywhere] Whether you want to settle utility bills, pay a merchant, or transfer money to your friends and family, it can never be done more easily by DBS Credit Cards with the new Pay & Transfer function in DBS Card+ app! [Split your purchases with the new Flexi Shopping] Offers a more convenient split purchases experience for better budget planning. You can combine multiple credit card transactions into a single payment plan with 3 to 60-month instalments in 2 steps! [Get instant cash sent to any of your bank accounts] Apply for personal loans 24/7, and receive the cash in any of your bank account, instantly. [A wide range of exclusive offers] Choose the rewards you like: InstaRedeem with DBS$, Asia Miles instant conversion & free coffee from Hong Kong’s top coffee shops, only available through DBS Card+. [Manage your credit and spending limits] Spend wisely with an instant credit limit increase or manage your spending limits, depending on your needs. [Card replacement] Request for a replacement instantly in simple steps. [Personal Instalment Loan] • The minimum and maximum repayment period is 12 months and 60 months. • The APR ranges from 5.91% to 7.03%. • Loan amount up to HK$2,000,000 or 20x your monthly salary (whichever is lower) • For a loan amount of HK$200,000 with 12 months repayment period, the monthly flat rate is 0.11% (APR 6.37%, including a Loan Set Up Fee of 2%). Monthly repayment amount is HK$16,887 and the total loan repayment amount is HK$202,644. The above example is for reference only. • The final interest rate and repayment period applicable to a customer is subject to his/her financial condition and is solely determined by us. To facilitate customer to repay, the monthly repayment amount is rounded to an integral, so the final APR may be slightly different from that quoted in the table. [Debt Consolidation Loan] • The minimum and maximum repayment period is 12 months and 84 months. • The APR ranges from 6.38% to 25.24% • Loan amount up to HK$2,000,000 or 21x your monthly salary (whichever is lower) • For a loan amount of HK$200,000 with 48 months repayment period, the monthly flat rate is 0.4% (APR 10.42%, including a Loan Set Up Fee of 2%). Monthly repayment amount is HK$4,967 and the total loan repayment amount is HK$238,416. The above example is for reference only. • The final interest rate and repayment period applicable to a customer is subject to his/her financial condition and is solely determined by us. To facilitate customer to repay, the monthly repayment amount is rounded to an integral, so the final APR may be slightly different from that quoted in the table. Head Office branch address: G/F, The Center, 99 Queen's Road Central, Central, Hong Kong