DBS Vantage Credit Card

Name: PerkPilot Credit Card Comparison - India
Address: India, IN
Price range: Free

DBS Bank ⭐ Featured

Ultra-premium invite-only metal credit card

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Joining Fee

Not disclosed

Check with issuer

First Year Net

+₹15,744

Annual Fee

Not disclosed

Check with issuer

Renewal Net

+₹15,744

Base Reward Rate

2.0%

4 points per ₹200

Best Category

4.0%

Final Net Score

out of 100

Net Annual Value

+₹15,744

Score Breakdown

Lower ScoreMid RangeHigher Score

Key Metrics

Final Score

Comprehensive rating based on your spending profile

25/100

Effective Reward Rate

Weighted average based on your spending categories

2.2%

Annual Net Value

Expected yearly benefit after all costs

₹15,744

Payback Period

Time to recover annual fees through rewards

Immediate

Card Information

Should I Consider This Card?

Using general assumptions

Likely Eligible

Needs check

Add income range and credit score to estimate eligibility.

Value for Your Spend

Strong fit

At your current spending pattern, this card is likely to return more value than it costs.

Consider from

₹15,000 / mo

Sweet spot

₹2,00,000 / mo

Net value / year

+₹15,744

Fee outcome

Fee likely waived

Why this result

Fee waiver threshold: Annual fee waiver is tied to roughly 83,333 monthly spend.
Top earning category: international has elevated rewards, which can improve value when your spend matches it.

Details

Spend curve and supporting scenario values