DBS Bank IndiaVisaLast checked 31 Oct 2026invite-only
The DBS Vantage Credit Card costs Rs 50,000 a year, waived if you spend Rs 10,00,000 in a year. Its base return is 2%. The forex markup is 0%. Lounge visits in India: Unlimited, primary cardholder only. Abroad: Unlimited via LoungeKey, primary cardholder only. Read from the issuer's own documents on 31 Oct 2026.
DBSDBS VantageCard design not shown
Annual fee
Rs 50,000+ GST
Fee waived at
Rs 10,00,000annual spend
Base return
2%
Forex markup
0%
Interest
4%a month
Fees
Joining feeunverified
Rs 50,000
Annual feeunverified
Rs 50,000
Annual spend that waives the feeunverified
Rs 10,00,000
Fee notes
Consolidated MITC and Vantage MITC: Rs 50,000 joining and annual for non-Treasures customers; Elite Rs 10,000; Treasures Rs 20,000 (GST extra). The separate Product Benefits T&C page shows Rs 20,000 for non-Treasures and nil joining / Rs 20,000 annual for Treasures, waived at Rs 2 crore total relationship value. Product page says annual fee waived on Rs 10 lakh annual spend. Confirm the tier that applies before accepting an invite.
Rewards
Welcome benefit
10,000 Vantage Points on first transaction within 30 days after paying the joining fee (not given where no joining fee is charged)
Reward currency
Vantage Points
Base earn
4 VP per Rs 200 on domestic purchases (each transaction rounded down to a multiple of Rs 200)
Base return
2%
Point value
1 VP = Rs 1 (product page)
Accelerated earnunverified
Accelerated VP on flight and hotel bookings via DBS Delights. Product page still advertises 8 VP per Rs 200 on international spends, but the Product Benefits T&C lists all international spends as excluded.
Caps
Per statement cycle: insurance 2,000 VP; grocery, utility and telecom 1,200 VP
Spends that earn nothing
Fuel, wallet loads, duty-free stores, rent, third-party education payments, all international spends, EMI conversions, balance transfers, cash advances, fees and interest
Points expiry
2 years from accrual
Milestone benefitsunverified
10,000 VP on spends above Rs 5 lakh in a calendar quarter (annual cap 40,000 VP) per the Product Benefits T&C. Product page lists 5,000 VP at Rs 3 lakh or 10,000 VP at Rs 5 lakh per quarter, or 40,000 VP at Rs 20 lakh a year.
Reward notes
base_return_pct = 4 VP per Rs 200 x Rs 1. Redemption via DBS Cards+ IN app and DBS Delights portal; Rs 99 + GST redemption fee per MITC. Redemption blocked if payment is 5+ days late; points forfeited after 30 days past due. Points cannot offset the card bill.
Travel and perks
Domestic lounge
Unlimited, primary cardholder only
International lounge
Unlimited via LoungeKey, primary cardholder only
Lounge conditions
Guests are charged per visit to the primary card
Forex markup
0%
Fuel surcharge waiver
1% waiver on fuel txns of Rs 1,000-6,000, cap Rs 200 per billing cycle
Other freebies
4 golf sessions per calendar year; one hotel membership (Taj Epicure, ITC Culinaire or Club Marriott); 10% duty-free cashback up to Rs 1,500 a month; 2 airport meet & greet a year after Rs 3 lakh spend; 24x7 concierge; metal card
Charges and eligibility
Interest per month
4%
Late payment fee
TAD up to Rs 100: nil; Rs 101-500: Rs 99; Rs 501-5,000: Rs 499; above Rs 5,000: 10% of TAD, max Rs 1,299
Cash advance fee
2.5% of cash amount, min Rs 500; cash limit 10% of credit limit
Eligibility
Invite-only; aimed at DBS Treasures (wealth) customers. No income criteria published.
Fine-print notes
DBS documents disagree with each other after a benefit revision effective 10 Jul 2026. Forex: consolidated MITC and Product Benefits T&C say 0% on all overseas spends; the older Vantage MITC and product page body say 0% in Singapore and 1.75% elsewhere. International spends appear to earn no Vantage Points under the revised terms. Finance charge is 3.5%-4% per month by profile; 4% recorded. No airline or hotel transfer programme was found; T&C says points are not transferable. Network not stated on the pages read (Visa is assumed). Rent, utility, fuel, education, wallet and travel category fees are marked not applicable to Vantage in the consolidated MITC, though the Vantage MITC lists a 1% rent fee.
Questions
What is the annual fee of the DBS Vantage Credit Card?
Rs 50,000 a year, before GST. It is waived if you spend Rs 10,00,000 in a year.
Does the DBS Vantage Credit Card give airport lounge access?
Yes. In India: Unlimited, primary cardholder only. Outside India: Unlimited via LoungeKey, primary cardholder only. Conditions: Guests are charged per visit to the primary card
What is the forex markup on the DBS Vantage Credit Card?
0% of each foreign-currency transaction, before GST.
Which spends earn no rewards on the DBS Vantage Credit Card?
Fuel, wallet loads, duty-free stores, rent, third-party education payments, all international spends, EMI conversions, balance transfers, cash advances, fees and interest