Octopus AAVS

Auto reload your Octopus to earn rewards

Product Features

Automatic reload amount at your choiceAuto Add-Value = RewardAuto Reload for FamilyMonthly statement for easy reference

When your Octopus has insufficient value, your Dah Sing Credit Card will automatically reload HK$250/HK$500 into your Octopus. You can choose your own reload option!

Auto Add-Value can earn bonus point/cash rebate, every Add-Value is an Add-Reward. You will be rewarded on every Auto Add-Value.

Cardholder can apply this fabulous service for your family members, share this convenient service with your family and get extra rewards at the same time!

Enjoy interest - free repayment period for all auto reload transactions and every auto reload transaction will be shown clearly on your statement.


To borrow or not to borrow? Borrow only if you can repay!

Subject to relevant terms and conditions. For details, please click here.
  1. The service only applies to customers holding Dah Sing Credit Card (including UnionPay Dual Currency Credit Card) and Co-brand card ("Eligible Card") issued by Dah Sing Bank, Limited (the "Bank"). However, this service does not apply to Renminbi Currency Account of Dah Sing UnionPay Dual Currency Credit Card, Debit Card, Cash Card, Corporate Card, Purchasing Card, Spending Card, Business Card, Gift Card, Private Label Card and Balance Transfer Account.
  2. If you are holding an Eligible Card and aged 18 or above ("Eligible Cardholder"), you may apply for AAVS to be linked to an Octopus belonging to you, up to a maximum of three Octopus. However, each Octopus must be linked to a different financial institution.
  3. If you are principal cardholder of Eligible Card, you can also apply for Octopus AAVS to be linked to an Octopus belonging to your family members, friends or relatives aged 12 or above (you and such other persons together are referred to as the ("Applicants"), up to a maximum of three Octopus in aggregate. However, each Octopus can be linked to one AAVS Account only. If such other persons (applicants of Section B on application form) are holding Supplementary Eligible Card under your name (applicant of Section A on application form), related AAVS will be settled under the Supplementary Eligible Card account. If such other persons are not holding Supplementary Eligible Card under your name, related AAVS will be settled under your Eligible Card account (Dah Sing Credit Card account of Section A on application form) from May 2017. The Principal and/or Supplementary Eligible Card(s) of Applicants must be valid and in good credit standing, otherwise the application may be rejected.
  4. All applications require 4 to 8 weeks for processing. Once the application is accepted, the Bank will send notification letter to the monthly statement address of principal Eligible Cardholders.
  5. For first time applicants of AAVS or Personalised Octopus, no AAVS application fee will be charged. For applications of transferring the AAVS from one bank to another, reactivation of AAVS or changing of the auto-reload amount (if applicable) are required to pay Octopus Cards Limited a HK$20 non-refundable handling fee. The application fee for personalised Octopus is HK$100 (including HK$50 deposit, HK$30 initial stored value and HK$20 non-refundable service charge). This fee will be charged to the applicant's designated Dah Sing Credit Card account / Octopus AAVS and Bonus Point Scheme or Cash Rebate is not applicable to the above fees.
  6. If the stored value of applicant's Octopus is zero or negative, or remaining value plus the maximum negative value (HK$35) is not enough to cover the intended value deduction, applicant's card will automatically be reloaded with HK$250 / HK$500 by applicant's designated Dah Sing Credit Card account. Each Octopus can only be reloaded automatically once a day.
  7. Should applicants who opt for auto-reloading HK$500 per transaction want to switch to another bank that only provides the option of auto-reloading HK$250 thereafter, applicants should either change the auto-reloading amount to HK$250 or cancel the Dah Sing Credit Card Octopus AAVS before switching to another bank. Applicants are required to pay Octopus Cards Limited the required handling fee.
  8. The reward shall depend on the reward scheme of the Credit Card account and the reward shall be subject to the terms and conditions.
  9. The use of an Octopus (including Personalised Octopus) and the AAVS respectively are subject to the terms of the Conditions of Issue of Octopus (the "Conditions of Issue") and the AAVS Agreement issued by Octopus Cards Limited, as amended from time to time, and terms of application form. For details, please refer to the related application form or visit www.octopus.com.hk.
  10. The terms and conditions contained herein shall form part of the Agreement governing the use of Dah Sing Credit Card and shall be construed accordingly. In case of any conflict between these Terms and Conditions and the Agreement, these Terms and Conditions shall prevail.
  11. The Bank has the right to accept or reject the application of Personalised Octopus or Octopus AAVS without the need to provide reason.
  12. The Bank reserves the right to amend these terms and conditions or cancel the offer at any time without prior notice. In case of dispute, the decision of the Bank and Octopus Cards Limited shall be final.
  13. In the event of discrepancies between the Chinese version and English version of these terms and conditions, the Chinese version shall prevail.