Route spending through Double points on international transactions outside Singapore.
Earn 4.0× here — 4.0% back vs the base rate. Zero-effort multiplier if the card fits your habits.
Lifetime-free · No-fee
DBS BANK · DBS VANTAGE CREDIT CARD
DBS Vantage Credit Card
ANNUAL FEE
Free
FIRST-YEAR NET VALUE
₹36,000 for a mid spender · travel
DBS BANK
Updated 2026-04 3 verified sources Data is current
01 ELIGIBILITY
Can I get this card?
Meet these thresholds and you're likely to be approved. Final call is DBS Bank's.
MONTHLY INCOME Check with bank Issuer-dependent
CREDIT SCORE 750+ Excellent band preferred
AGE 21 – 70 Primary or add-on applicant
RESIDENCY Indian PAN, Aadhaar + income proof
02 FIT
Is this card for me?
We've modeled this card's value for a default urban spender. Tweak the persona to see how it shifts — or personalize with your real spends.
DEFAULT PERSONA · MID SPENDER · TRAVEL
₹36,000 first-year net value · mid spender · travel
Category rewards ₹36,000
Fee waiver (met)· 100% annual fee waiver on ₹10 lakh annual spend
Net first-year value ₹36,000
03 EARN
What will I earn?
Base rate, accelerated categories, milestones, and what each reward point is actually worth when you redeem.
BASE REWARD RATE
≈ 2.00% back on eligible spends 4 pts 4 points per ₹200
NOT ELIGIBLE Fuel · rent · wallets · utility · government
ACCELERATED CATEGORIES Up to 4.0% back
Double points on international transactions outside Singapore · 4.0%
4 VP per ₹200 on Singapore transactions with 0% forex markup · 2.0%
Everything else (base) · 2.0%
04 MAXIMIZE · YOUR EDGE
How do I extract every rupee?
Plays grounded in this card's specific levers. Updated each time DBS Bank tweaks the program.
Don't sleep on 4 VP per ₹200 on Singapore transactions with 0% forex markup.
The second tier earns 2.0× (2.0% back). Often overlooked next to the headline category but compounds if you route consistently.
Redeem through the best path, not the default.
Point value varies across redemption options. Best path: ₹1.00/point. Same earnings, more value.
05 COSTS
What will I pay?
Fees, transaction charges, interest rates — all inclusive of taxes where noted.
FEES
Charges below are base amounts; GST applies where applicable.
Add-on cards Up to 3 free
TRANSACTION CHARGES
Foreign currency markup 3.5%
Finance charges (purchase) 3.49% per month · ~42% APR
Late payment ₹100 – ₹1,300 · based on outstanding
06 BENEFITS
What else comes with it?
Non-reward perks — lounges, dining, golf, insurance, concierge. Worth factoring into the total value, even when hard to price.
Airport lounges
unlimited domestic + unlimited international visits per year. Primary cardholder.
Dining + partner memberships
Premium Hotel Membership Choice.
Travel cover
Air accident cover, lost-card liability, emergency card replacement abroad.
07 FAQ
Common questions
The fee is tiered by your DBS relationship — ₹10,000 joining/annual (₹11,800 with GST) for Elite, ₹20,000 (₹23,600) for Treasures, and ₹50,000 (₹59,000) for other invited customers. All three tiers waive the annual fee at ₹10 lakh of anniversary-year spend — doable if the card covers routine high-ticket lifestyle and travel.
HOW WE KEEP THIS CURRENT
Last verified 2026-04. Sources: Issuer website, CardExpert, PaisaBazaar. Next scheduled review: 6 months from last update.