Fees
Annual feeINR 999 + GST
Joining feeINR 999 + GST (first year free variant available)
Renewal feeINR 999 + GST
Fee waiverWaived on INR 75,000 annual spend; discontinued from August 12, 2025
Interest rate4.0% per month (48.0% per annum (p.a.))
Late paymentUp to INR 100 - Nil; INR 101-INR 500 - INR 99; INR 501-INR 5,000 - INR 499; Above INR 5,000 - 10% of due (max INR 1,299)
Forex markup3.5% of transaction value
Cash advance2.5% of amount withdrawn (min. INR 500)
Eligibility
Min income (salaried)INR 30,000+/month (indicative)
Min income (self-emp.)INR 3.6 lakh/year+
Income requirementSalaried: INR 30,000+/month (indicative); Self-employed: INR 3.6 lakh/year+
Credit score700+
Age range21 to 60
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rateYes - 5X on eligible spends beyond INR 15,000/month (max 3,000 bonus pts/month); 10X on DBS Card+ IN app rewards platform
Cashback %5% cashback on Bajaj Finance No-Cost EMI down payments (discontinued April 1, 2024)
Cashback capMax 3,000 additional CashPoints per month on milestone; 10X max per statement cycle
Redemption optionsFlights & Hotels, Gift Vouchers, Memberships - via DBS Delights; Bajaj Finserv EMI marketplace
Points expiry2 years from date of accrual
Travel & lounge
Domestic lounge2 complimentary visits per quarter (domestic) - discontinued from Aug 12, 2025
International lounge0 visits (no lounge benefit)
Lounge conditionsNo
Travel insuranceNo
Hotel/flight offersBajaj Finserv Health plan; discounts on DBS Delights
ConciergeNo
Forex waiverNA - standard 3.5% applies
Lifestyle
Dining benefitsNo specific dining tie-ups
Dining discountsNo specific dining tie-ups
Fuel surchargeYes - 1% fuel surcharge waiver on INR 400-INR 4,000 transactions; max INR 100/month
OTT subscriptionsYes - discounts on OTT/subscription memberships via DBS Delights
E-commerce offersYes - Bajaj Finserv EMI network; cashback on No-Cost EMI (discontinued)
ComplimentaryOTT: Yes - discounts on OTT/subscription memberships via DBS Delights
Credit limit & EMI
Default limitINR 25,000 - INR 1.5 lakh (bank discretion)
Max limitINR 5 lakh+ (profile-based)
Cash withdrawalUp to 40% of credit limit (Xpress Cash facility)
EMI optionsPost-purchase; Yes - Bajaj Finserv No-Cost EMI at 1.5 lakh+ stores
EMI conversionPost-purchase
Min EMI amountINR 2,500
Balance transferYes
BT interest rateAs per bank offer
Insurance & protection
Purchase protectionNo specific purchase protection
Lost card liabilityYes - zero liability on prompt reporting
Digital & security
ContactlessYes
Virtual cardYes
App featuresReal-time Spend Alerts, Card Lock/Unlock, View Statements, Convert to EMI, Rewards Tracking via DBS Card+ IN App; Bajaj Finserv Health benefits
Card controlsBlock/Unblock Card, Enable/Disable International Usage, Set Transaction Limits
Fraud protectionReal-time Transaction Alerts, Tokenization (RBI Mandated), OTP for Online Transactions, Instant Card Block
Zero liabilityZero liability if fraud reported promptly; as per RBI guidelines
WhatsApp supportYes