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DBS Bank
DBS Bank's flagship invite-only metal card for high-net-worth travellers, offering unlimited lounge access and zero forex markup worldwide.
One-time
Per year
Capped at ₹1,500/month
Score 750+
Applying takes you to DBS Bank. CredSpy does not process applications, and the ranking on this site is never influenced by commission.
Best for
Terms structured from published copy
7 reward rates with their caps, taken from DBS Bank’s own published wording rather than checked against its terms document. Verify before you rely on a figure.
Terms effective from 10 Jul 2026.
See where each figure came fromEverything else
Pays up to ₹1,500 a month — reached at about ₹15,000 of spend
Everything else
No published ceiling on this tier
Groceries
Pays up to ₹1,200 a month — reached at about ₹60,000 of spend
Utilities
Pays up to ₹1,200 a month — reached at about ₹60,000 of spend
Insurance
Pays up to ₹2,000 a month — reached at about ₹1,00,000 of spend
Fuel
No published ceiling on this tier
International spends (all MCC codes) — zero points, effective 10 July 2026 All exclusions
Data-driven verdict based on net earnings after fees and caps.
Key strength
10% on Everything else — 10% cashback on Duty Free store spends (MCC 5309) at domestic and international airports, capped at ₹1,500 per month per card account, up to ₹1,500 per month.
Biggest limitation
Zero Vantage Points on ALL international spends, effective 10 July 2026 — a major devaluation from the earlier terms, which paid 8 points per ₹200 (double the domestic rate) on overseas spends.
Priced with caps, exclusions, and annual fee deducted live.
Monthly spending — ₹54,000
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Import a statement and this runs on your real spending instead of the sliders.
Click any drawer below to inspect fee schedules, lounge terms, reward multipliers, and exclusions.
Everything else the issuer publishes about this card. All of it is on this page and searchable — open only what you need.
10%
cappedEverything else
Pays up to ₹1,500 per month — reached at about ₹15,000 of spend.
10% cashback on Duty Free store spends (MCC 5309) at domestic and international airports, capped at ₹1,500 per month per card account
2 pts
uncappedEverything else
4 Vantage Points per ₹200 (2 per ₹100) on domestic spends; points rounded down to multiples of ₹200
2 pts
cappedGroceries
Pays up to ₹1,200 per month — reached at about ₹60,000 of spend.
Grocery, utility and telecom spends share a combined cap of 1,200 Vantage Points per calendar month
2 pts
cappedUtilities
Pays up to ₹1,200 per month — reached at about ₹60,000 of spend.
Shares the same 1,200-point monthly cap as groceries and telecom transactions
2 pts
cappedInsurance
Pays up to ₹2,000 per month — reached at about ₹1,00,000 of spend.
Insurance transactions capped at 2,000 Vantage Points per calendar month
0 pts
uncappedFuel
No Vantage Points earned on fuel spends at any time
0 pts
uncappedTravel
International travel spends earn zero Vantage Points effective 10 July 2026; flight/hotel bookings via DBS Delights earn separate accelerated points under DBS Delights' own programme terms, rate not publicly published per-transaction
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | ₹20,000 | — |
| Annual / renewal fee | ₹20,000 | Not spend-based. Effective 10 July 2026, the annual fee is waived only if the cardholder maintains a Total Relationship Value (TRV) of ₹2 crore or more with DBS (measured for the month prior to fee levy). DBS Treasures customers pay no joining fee; non-Treasures/other invited customers pay ₹20,000 joining. Both segments pay ₹20,000 annual fee from year 2 unless the TRV waiver applies. |
| Add-on card | Not applicable — all documented benefits (lounge access, concierge, golf, meet & greet) are stated as available to the Primary Cardholder only, indicating add-on cards are not a standard feature of this card | — |
| Cash withdrawal | 2.5%, min ₹500 | 2.5% of cash amount withdrawn, minimum ₹500 per transaction; cash advances do not earn Vantage Points |
| Late payment | 10% | Nil up to ₹100 outstanding; ₹99 (₹100–₹500); ₹499 (₹500–₹5,000); 10% of amount due, capped at ₹1,299, for outstanding above ₹5,000 |
| Foreign currency markup | 0% | — |
Interest only applies if a balance is carried past the due date. Paying in full each month costs nothing, and no reward rate on this card comes close to offsetting the interest if you do not.
Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.
Year one
₹10,000
of one-time welcome value, on top of what you earn
Every year after
₹20,000 a year
charged with no published way to avoid it
1% waiver. On fuel transactions between ₹1,000 and ₹6,000 at any station, per statement cycle. Fuel spends still earn zero Vantage Points.
We do not have upi payments recorded for this card. Check the issuer's page before relying on it.
We do not have insurance & protection recorded for this card. Check the issuer's page before relying on it.
Welcome — once
₹10,000
quantified, and kept out of every recurring figure on CredSpy
Milestones — every year
2
spend thresholds you can reach again each year
10,000 Vantage Points (worth ₹10,000) on first transaction within 30 days of card issuance and payment of the joining fee. Not credited if the joining fee is not levied (e.g., for DBS Treasures customers with joining fee waived).
Spend ₹5,00,000 a quarter
10,000 bonus Vantage Points on quarterly spends above ₹5,00,000. One reward per calendar quarter; cumulative annual cap of 40,000 bonus points.
Spend ₹3,00,000 a year — about ₹25,000 a month
2 complimentary airport meet & greet concierge services per year, unlocked after ₹3,00,000 of cumulative spend from the card anniversary date; valid for 1 year from the date the threshold is crossed.
This card is issued by invitation only and cannot be applied for directly.
Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.
CredSpy never collects these. You submit them to the issuer during their own application.
No reviews yet
CredSpy publishes only reviews left by real cardholders. Nothing here is generated, bought or seeded — so this stays empty until someone who holds the card writes one.
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HDFC BankHDFC Pixel Credit Card BK₹500| Card | Annual fee | Headline rate | Lounge |
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| DBS Vantage Credit Card · this card | ₹20,000 | 10% everything else | Included |
| IndiGo Axis Bank Premium Credit Card BK | ₹5,000 | Up to 7 pts per ₹100 | Included |
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Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.
₹20,000 plus GST, with no published spend-based waiver.
The strongest published rate is 10% on everything else, capped at ₹1,500 per month — so roughly ₹15,000 of spend reaches the maximum on that tier. The calculator above prices your own basket with every cap and exclusion applied.
Yes. Unlimited complimentary visits per year for the primary cardholder only, via LoungeKey partnership. No spend condition. Guests pay a per-visit fee charged to the primary cardholder.
We do not have UPI details recorded for this card.
International spends (all MCC codes) — zero points, effective 10 July 2026 Fuel (MCC 5983, 5542, 5541, 5172) Wallet load (MCC 6540) Duty Free stores (MCC 5309) — no points, though a separate 10% cashback applies Rental spends (MCC 6513) Third-party education (MCC 8211, 8220, 8241, 8244, 8249, 8299) EMI-converted transactions, balance transfers, cash advances Service charges/interest and any card fees or charges No Vantage Points on fuel, wallet loads, Duty Free stores, rent, third-party education, international spends, EMI-converted transactions, balance transfers, cash advances, service charges/interest, or any card fees/charges International spends (all MCC codes), fuel (MCC 5983/5542/5541/5172), wallet load (MCC 6540), Duty Free stores (MCC 5309), rent (MCC 6513), third-party education (MCC 8211/8220/8241/8244/8249/8299)
DBS Cards+ app, DBS Delights rewards portal (dbsdelights.in), Transfer to Air India Maharaja, AirAsia, or Club ITC (Green Points) at 100:80
You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.
Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?
A late payment fee and interest will be charged. Missing payments can also impact your credit score.
Credit card fees, rewards and benefits change. Please verify the latest terms on the issuer's website before applying. CredSpy earns a commission on some applications; it never affects rankings or what is written here.
DBS Vantage Credit Card — 10% on everything else, up to ₹1,500 per month. ₹20,000 a year.