Fees
Annual feeINR 499 + GST
Joining feeINR 499 + GST
Renewal feeINR 499 + GST
Fee waiverSpend-based annual fee waiver discontinued (from Aug 2025); successor to Bajaj 5X SuperCard
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Cash advance2.5% of amount withdrawn (min.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 - 7X on spends above INR 15,000/month (max 6,000 pts); 15X on dbsdelights.in via DBS Card+ IN app
Cashback %NA - reward-based (CashPoints)
Cashback capMax 6,000 additional CashPoints per month on milestone; 15X max per statement cycle on DBS Delights
Redemption optionsFlights & Hotels, Gift Vouchers, Memberships, Cashback - via DBS Delights (dbsdelights.in)
Points expiry2 years from date of accrual
Travel & lounge
Domestic loungeNo domestic lounge access (removed from Aug 2025)
International lounge0 visits (no lounge benefit)
Lounge conditionsNo
Travel insuranceNo
Hotel/flight offersVia DBS Delights; select brand discounts
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 150/month
OTT subscriptionsYes - via DBS Delights platform
E-commerce offersYes - general merchant EMI partner tie-ups
ComplimentaryOTT: Yes - via DBS Delights platform
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 - No-Cost EMI via partner merchants
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
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