DBS Credit Cards

Credit Card	Variant	Annual Fee	Key Feature
DBS Vantge Credit Card	–	Customer Segment: DBS Elite – Rs. 10,000 DBS Treasure – Rs. 20,000 Others – Rs. 50,000	Unlimited lounge access & 0% forex mark-up in Singapore
DBS Spark Credit Card	Spark5	Rs. 499	5X CashPoints on spends above Rs. 10,000
	Spark10	Rs. 999	5X CashPoints on spends above Rs. 15,000
	Spark20	Rs. 1,499	5X CashPoints on spends above Rs. 20,000

Details of the two DBS Credit Cards are given below:

DBS Vantage Credit Card

Annual Fee: Rs. 10,000 for DBS Elite Customers, Rs. 20,000 for DBS Treasure Customers and Rs. 50,000 for Other Customers

Suited for high-income individuals, DBS Vantage Card is an invite-only card offering benefits majorly around travel. Here are the key features of this premium credit card:

• Welcome bonus of 10,000 Vantage Points
• Complimentary membership to Taj Epicure/ITC Culinaire/Club Marriott (any 1)
• Unlimited domestic and international lounge access
• 0% forex mark-up charges in Singapore and 1.75% in other countries
• 10% cashback (up to Rs. 1,500) on domestic and international duty-free spends
• 4 complimentary golf lessons every year
• 4 Vantage Points per Rs. 200 spent within India and 2X VP on international spends
• 1 Vantage Point = Rs. 1

Read Detailed Review of DBS Vantage

DBS Spark Credit Card

Annual Fee: Rs. 499 for Spark5 variant, Rs. 999 for Spark10 variant and Rs. 1,499 for Spark20 variant

DBS Spark is an entry-level card offered in 3 different variants offering varied levels of benefits, as shown below:

• Base reward rate of 2 CashPoints for every Rs. 200 spent
• 5X CashPoints on spends above Rs. 10,000 on Spark5 variant
• 5X CashPoints on spends above Rs. 15,000 on Spark10 variant
• 5X CashPoints on spends above Rs. 20,000 on Spark20 variant
• Bonus CashPoints as welcome and milestone benefits (differs across card variants)
• 1 domestic lounge visit per quarter on Spark5 variant and 2 visits on Spark10 and Spark20 variants

Read Detailed Review of DBS Spark

The table below shows some key charges applicable on DBS Credit Cards:

Type of Fee/Charge	Amount/Rate
Joining/Annual Fee	Differs across card variants
Finance Charges	Up to 48% p.a. (4% p.m.)
Cash Withdrawal Charges	2.5% of the withdrawn amount (min. Rs. 500)
Forex Mark-up Fee	DBS Spark- 3.5% of the transaction amount DBS Vantage- 0% for Singapore, 1.75% for other countries
Over Limit Penalty	Rs. 600
Late Payment Charges	For outstanding amount: Up to Rs. 100 – Nil Rs. 101 to Rs. 500 – Rs. 99 Rs. 501 to Rs. 5,000 – Rs. 499 Rs. 5,001 and above – 10% of the total amount due (max. Rs. 1,299)
Fee on rental transactions	1% of rental amount or Rs. 199, whichever is higher
Fee on Utility transactions*	If cumulative utility transactions in a statement cycle exceed Rs. 20,000: 1% of the cumulative utility transaction amount
Fee on Fuel transactions*	1% of the transaction amount or Rs. 199, whichever is higher, on fuel spends above Rs. 15,000
Fee on Education Payments through third-party apps or websites*	1% of the transaction amount or Rs. 199, whichever is higher

*Applicable only on DBS Spark Credit Card

DBS Vantage Credit Card is available on invitation only. You can apply for DBS Spark Credit Card by following the steps given below:

• Visit DBS Bank’s official website
• Go to the Credit Card Page
• Choose the card and click on Apply Now
• Fill out the detailed application form and submit

After this, DBS Bank’s team will contact you for KYC and other requirements. Once approved, you will get your DBS Credit Card at your registered address.

What is DBS Credit Card customer care number?

To raise a complaint or query regarding DBS credit cards, cardholders can contact their 24-hour credit card service helpline at 1860 267 6789. DBS Vantage cardholders can call the dedicated customer care team at 1800 209 4555.

How to pay DBS credit card bill?

If you have a DBS Bank Savings or Current account, you can directly pay the bill by logging into their net banking. You can also use third-party apps or UPI apps to pay your bill by registering your card or through Bill Desk.

How to get DBS Vantage Credit Card?

DBS Vantage is an invite-only credit card; you cannot apply for it. However, you can express interest in the card by visiting their official website.

What is the minimum salary for DBS Credit Card?

The minimum salary requirement for DBS Credit Cards is communicated at the time of application.

How to redeem DBS Vantage Credit Card reward points?

You can redeem DBS credit card reward points through the DBS Delights Reward Redemption Platform. Reward points can be redeemed against vouchers, gift cards, memberships and cashback. Points can also be used to book flights or hotels or transfer them to select airlines or hotel loyalty programs.