Fees
Annual feeINR 10,000 (Elite) / INR 20,000 (Treasure) / INR 50,000 (Others) + GST
Joining feeINR 10,000 (Elite) / INR 20,000 (Treasure) / INR 50,000 (Others) + GST
Renewal feeINR 10,000 (Elite) / INR 20,000 (Treasure) / INR 50,000 (Others) + GST
Fee waiverAnnual fee waived on spending INR 10,00,000 in preceding year
Interest rate3.5% per month (42.0% 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 markup0% forex markup for Singapore; 1.75% for all other countries
Cash advance2.5% of amount withdrawn (min. INR 500)
Eligibility
Min income (salaried)High-income / Invite-Only - DBS Elite/Treasure/HNI customers; typically INR 1.5 lakh+/month
Min income (self-emp.)High ITR; bank discretion for HNIs
Income requirementSalaried: High-income / Invite-Only - DBS Elite/Treasure/HNI customers; typically INR 1.5 lakh+/month; Self-employed: High ITR; bank discretion for HNIs
Credit score800+ (Invite-Only; based on DBS relationship)
Age range21 to 60
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rateYes - 2X (8 VP per INR 200) on international spends
Cashback %10% cashback on domestic & international duty-free spends (max INR 1,500/month)
Cashback capMax INR 1,500 cashback per month on duty-free spends
Redemption optionsFlights & Hotels, Gift Vouchers, Memberships, Premium Brand Gift Cards - via DBS Delights
Points expiryAs per DBS Delights T&C; typically 3 years
Travel & lounge
Domestic loungeUnlimited complimentary domestic lounge access (Primary cardholder only; via LoungeKey)
International loungeUnlimited complimentary international lounge access (Primary cardholder only; via LoungeKey)
Lounge conditionsNo
Travel insuranceNo explicit bundled travel insurance
Hotel/flight offersComplimentary membership to Taj Epicure / ITC Culinaire / Club Marriott (1 chosen at issuance); 4 complimentary golf sessions/year
ConciergeNo dedicated concierge stated
Forex waiver0% for Singapore; 1.75% elsewhere (vs standard 3.5%)
Lifestyle
Dining benefitsYes - complimentary hotel restaurant memberships (Taj Epicure / ITC Culinaire / Club Marriott)
Dining discountsYes - complimentary hotel restaurant memberships (Taj Epicure / ITC Culinaire / Club Marriott)
Fuel surchargeFuel transactions do not earn Vantage Points (no fuel waiver stated)
OTT subscriptionsNo
E-commerce offersNo direct e-commerce co-brand; premium brand discounts via DBS Delights
Credit limit & EMI
Default limitINR 5 lakh - INR 10 lakh (HNI profile)
Max limitINR 20 lakh+ (No fixed cap; invite-only/HNI)
Cash withdrawalUp to 40% of credit limit
EMI optionsPost-purchase; Yes - eligible transactions can be converted to EMI
EMI conversionPost-purchase
Min EMI amountAs per bank policy
Balance transferYes
BT interest rateAs per bank offer
Insurance & protection
Purchase protectionNo specific purchase protection stated
Lost card liabilityYes - zero liability on prompt reporting
Digital & security
ContactlessYes
Virtual cardYes
App featuresReal-time Spend Alerts, Card Lock/Unlock, View Statements & Due Dates, 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, AI-Based Risk Monitoring
Zero liabilityZero liability if fraud reported promptly; as per RBI guidelines
WhatsApp supportYes