DBS Vantage Card
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Open to new applications · Earns Vantage Points
“Go beyond extraordinary with the DBS Vantage Card For those who are always ahead of the curve, introducing the invite-only metal card”
First-year fee
DBS Treasures Elite customers ₹10,000; DBS Treasures customers ₹20,000; Any other segment/NTB customer ₹50,000
Annual fee
From the second year onwards: DBS Treasures Elite customers ₹10,000; DBS Treasures customers ₹20,000; Any other segment/NTB customer ₹50,000
What it gives back
4 Vantage Points per ₹200 · everyday spends
How it compares
Compared with the cards we have read
Fees
Annual fee
From the second year onwards: DBS Treasures Elite customers ₹10,000; DBS Treasures customers ₹20,000; Any other segment/NTB customer ₹50,000
Joining fee
DBS Treasures Elite customers ₹10,000; DBS Treasures customers ₹20,000; Any other segment/NTB customer ₹50,000
Welcome offer
Welcome benefit
Enjoy a welcome bonus of 10,000 Vantage Points* on making your first transaction within 30 days of card setup and payment of joining fee*.
Rewards
Reward rate
4 Vantage Points per ₹200 · everyday spends4 Vantage Points on every ₹200 spent within India
Travel earning
20 Vantage Points on every ₹200 spent on flight & hotel bookings via DBS Delights (capped at 15,000 Vantage Points per calendar month)
Reward caps
20 Vantage Points on every ₹200 spent on flight & hotel bookings via DBS Delights, capped at 15,000 Vantage Points per calendar month.
Catalogue redemption
1 Vantage Point = ₹1.
Redeeming points for travelVoucher and product redemption
Reward points can be redeemed for shopping, travel bookings, vouchers, and more through the rewards platform.
Card benefits
Lounge benefit
Unlimited access to select domestic & international airport lounges.
Hotel or travel programme
10% cashback up to ₹1,500 per month on spends at duty-free stores at domestic & international airports
Concierge
2 complimentary meet & greet concierge services for domestic & international arrivals/departures per anniversary year (Eligible on crossing annual spends of ₹3,00,000)
Milestone benefits
10,000 bonus Vantage Points on spends of ₹5,00,000 every calendar quarter.
Also included
Fuel surcharge waiver
Fuel surcharge waiver capped at ₹200 per billing cycle (minimum fuel transactions of ₹1000 and maximum of ₹6000)
Surcharge on railway tickets
Purchase / cancellation of railway tickets: IRCTC Service Charges + Payment Gateway transaction charges (up to 1.8% of ticket amount)
Travel insurance
Cancel For Any Reason (CFAR) coverage on flight/ hotel bookings via DBS Delights (up to ₹1,00,000 per annum for international and up to ₹10,000 per annum for domestic bookings)
Charges
Forex markup
0% on foreign currency transactions.
Cash advance fee
Flat fee: 2.5% of cash amount (Min. ₹500)
Cash withdrawal limit
Credit limit and Cash Limit will be notified / available in the welcome kit at the time of card delivery, DBS Card+ app and monthly statements.
Interest on unpaid balance
Monthly rate 3.5% & annual rate 42%.
Interest-free period
20 to 50 days interest-free when you pay in full.
Late payment fee
Upto ₹100: NIL; Upto ₹500: ₹99; Upto ₹5000: ₹499; More than ₹5000: 10% of Amount due (max. ₹1299)
Over-limit fee
Over limit penalty ₹600
Payment return or dishonour fee
Return payment charges: ₹500 per instance.
Statement or duplicate statement fee
Physical statement fee ₹100; digital statement fee for prior 2 years period ₹100.
Card replacement fee
₹3000 per card re-issued
Cash payment / cash deposit fee
₹250 per cash deposit at DBS branches.
EMI conversion fee
Split and Pay processing fee: 2% Subject to a minimum of ₹249; EMI foreclosure charges: 3% of unpaid principal amount
Reward redemption fee
₹99 for each redemption request.
Fuel transaction fee
1% surcharge on fuel transaction value or ₹10 whichever is higher.
Rent transaction fee
1% on Transaction amount (fee on rental transactions)
GST note
All fees and charges attract Goods and Service tax (GST) at standard rate of 18% p.a on the specified charge
Minimum amount due
2% (subject to minimum of ₹100) of new purchases and cash withdrawals and any previously unpaid principal outstanding + new EMI debits + GST + Application Fee + previously unpaid MAD + 100% Revolving Interest + 100% of Cash Withdrawal Interest
Eligibility
Eligibility
By invite only
In the terms, not the brochure (1)
Whether carrying a balance ends the interest-free period
Grace period is not applicable if the previous month’s outstanding balance has not been cleared in full