Fees
Annual feeINR 499 + GST
Joining feeINR 499 + GST
Renewal feeINR 499 + GST
Fee waiverAnnual fee waived on spending INR 1,50,000 in anniversary year
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Cash advance2.5% of amount withdrawn (min.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; bank discretion)
Min income (self-emp.)INR 3.6 lakh/year+
Income requirementSalaried: INR 30,000+/month (indicative; bank discretion); 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 post monthly milestone of INR 10,000 (max 3,000 pts)
Cashback %NA - reward-based (CashPoints)
Cashback capMilestone capped at 3,000 bonus CashPoints/month; Quarterly milestone: 2,500 bonus CashPoints on INR 50,000 spend
Redemption optionsFlights & Hotels, Gift Vouchers, Merchandise - via DBS Delights platform
Points expiry2 years from date of accrual
Travel & lounge
Domestic lounge1 complimentary visit per quarter (domestic)
International lounge0 visits (no lounge benefit)
Lounge conditionsNo
Travel insuranceNo
Hotel/flight offersVia DBS Delights; select hotel/flight deals
ConciergeNo
Forex waiverNA - standard 3.5% forex markup applies
Lifestyle
Dining benefitsNo specific dining tie-ups
Dining discountsNo specific dining tie-ups
Fuel surchargeYes - 1% fuel surcharge waiver on INR 500-INR 5,000 transactions; max INR 100/month
OTT subscriptionsNo
E-commerce offersNo direct e-commerce co-brand tie-up; general offers via DBS Delights
Credit limit & EMI
Default limitINR 25,000 - INR 75,000 (bank discretion)
Max limitINR 3 lakh+ (profile-based)
Cash withdrawalUp to 40% of credit limit
EMI optionsPost-purchase; Yes - Bajaj Finserv and other merchant EMI partners via bank
EMI conversionPost-purchase
Min EMI amountINR 2,500
Balance transferYes
BT interest rateAs per bank offer (typically 1%-1.5% p.m.)
Insurance & protection
Purchase protectionNo specific purchase protection
Lost card liabilityYes - zero liability on reporting within 7 days
Digital & security
ContactlessYes
Virtual cardYes
App featuresReal-time Spend Alerts, Card Lock/Unlock, View Statements & Due Dates, Convert to EMI, Rewards Tracking & Redemption, Autopay Setup, Raise Service Requests, Block Lost/Stolen Card via DBS Card+ IN App
Card controlsBlock/Unblock Card, Enable/Disable International Usage, Enable/Disable Online Transactions, Set Transaction Limits
Fraud protectionReal-time Transaction Alerts, Tokenization (RBI Mandated), OTP for Online Transactions, Instant Card Block Option
Zero liabilityZero liability if fraud reported promptly; as per RBI guidelines
WhatsApp supportYes