What documents are required to apply for a DBS credit card?

Applicants typically need to submit PAN, identity proof, address proof, and income documents such as salary slips, or bank statements. Additional documents may be requested based on eligibility or profile.

Is there a DBS credit card for beginners or low-income earners?

Yes, DBS offers entry-level credit cards suitable for beginners or those with lower income. These cards usually feature easy eligibility, basic rewards, and minimal fees. They are ideal for first-time credit card users looking to build their credit profile.

DBS Credit Card

DBS Bank offers two credit cards – DBS Vantage and DBS Spark. DBS Vantage is a premium credit card with benefits more inclined towards travel and luxury experiences. Whereas, DBS Spark is an entry-level option that comes in three variants, with fees and benefits varying across variants. Read on to know more about DBS Credit Cards including their features, benefits, fees and other associated terms and conditions.

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Top DBS Credit Cards in India

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

Suggested Read: Best Credit Cards for Cashback in India

About DBS Bank India

DBS Bank India is a wholly owned subsidiary of Singapore-based DBS Group. It has been operating in India since 1994 and has over 500 branches in the country. The bank offers a wide range of financial products tailored for retail and corporate customers - including personal loans, home loans, business loans and credit cards.

Features of DBS Credit Cards

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

DBS Credit Card: Fees and Charges

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.

Suggest Read: Best Credit Cards for International Travel

DBS Credit Card: Eligibility Criteria

The basic eligibility criteria required for DBS Bank credit cards are given below:

Resident: Indian
Age: Between 21 to 60 years
Occupation: Salaried or Self-employed

How to Apply for DBS Credit Card?

Online Application Steps

You can apply for a DBS Credit Card directly through the bank's official website or mobile app by following the below steps:

Step 1: Visit the official DBS website or open the DBS mobile banking app and go to the Credit Cards section.

Step 2: Select the DBS credit card you want and click Apply Now.

Step 3: Fill in the application form with your personal, contact, and income details.

Step 4: Upload the required documents (PAN, ID/address proof, income proof) and complete OTP verification.

Step 5: Submit the application and note the reference number for tracking the status.

Offline / Branch Application (If Applicable)

If you prefer an in-person process, you can visit the nearest DBS Bank branch. Request the credit card application form, provide the required documents, and complete the verification process. The bank will process your application and update you on approval timelines.

FAQs

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.

Is there a DBS credit card with airport lounge access?

Yes, some DBS credit cards offer complimentary airport lounge access at select domestic lounges. The number of visits may vary based on the card variant and eligibility. These benefits enhance comfort and convenience for frequent travellers.

Do DBS credit cards offer cashback on online purchases?

Yes, DBS credit cards offer cashback or rewards on online spending. The cashback percentage depends on the specific card and category of the transaction. Some cards offer higher value-back for e-commerce, food delivery, and app-based payments.

What is the joining fee for DBS credit cards?

The joining fee varies depending on the credit card you choose. Some cards may offer low or moderate joining fees, while others may come with higher charges but offer premium benefits. However, low annual fee credit cards usually offer limited benefits.

Can I convert large purchases into EMIs with DBS credit cards?

Yes, DBS allows you to convert eligible high-value transactions into EMIs. You can select a repayment tenure and check the applicable interest rates and processing fees. This option helps manage big expenses more conveniently.

Are DBS credit cards suitable for international travel?

DBS credit cards are suitable for international travel, especially those that offer low forex mark-up fees and global acceptance. Some cards also provide travel perks such as lounge access and rewards on international spends. These benefits make them a good choice for overseas travellers.