DBS Vantage Credit Card
DBS Vantage Credit Card is a super-premium credit card which offers various benefits for people who are travelling frequently in the form of hotel memberships, savings on duty-free shopping, lounge access, and lots more. The credit card charges zero percent forex mark up fee in Singapore which makes it an ideal option for those who travel to Singapore on a regular basis. Not only this but also the card charges a forex markup-fee of 1.75% for people who are travelling to other international destinations. DBS Vantage is a worthy rival to other super-premium credit cards because of its travel-related incentives.
Low Forex Markup on International Travel
DBS Vantage Credit Card charges zero forex markup fee in Singapore and 1.75% forex markup fee in travelling in other countries. This is a great benefit, especially for travelers who frequently travel internationally, as the typical forex mark-up imposed by the majority of credit cards is typically 3.5% of the transaction value.
Although there are various credit cards which offer low forex mark up benefit such as Axis Magnus, HDFC Infinia, and SBI Card ELITE, DBS Vantage is the first ever card to launch country specific zero forex markup feature.
Unlimited Airport Lounge Access
Cardholders of DBS Vantage Credit Card receive unlimited access to domestic as well as international airport lounges. Apart from receiving unlimited access to primary members, the card also offers a limited number of free visits for add on cardholders.
Welcome Benefit
Luxury Hotel Membership + Bonus Vantage Points
DBS Vantage Card provides the following welcome benefits to the cardholders:
- Complimentary Membership to Taj Epicure, Club Marriott, or Culinaire.
- 10,000 bonus Vantage Points after making the first transaction within 30 days of the card activation.
Extra Vantage Points on International Travel
DBS Vantage Cardholders will earn Vantage Points every time they use their credit card:
- Four Vantage Point (VP) per Rs.200 spent in India
- Eight Vantage Point (VP) per Rs.200 spent globally
- One Vantage Point = Re.1
Other Benefits
- Cashback on Duty Free Spends: The card provides 10% cashback on duty free spends up to Rs.1,500 each month
- Golf Privileges: Cardholders can also play four complimentary golf games per year.
- Milestone Rewards: Cardholders can receive bonus reward points on reaching quarterly spending milestones as mentioned in the table given below:
Spend Value | Benefit |
Rs.3 lakh in a calendar quarter | 5,000 bonus Vantage Points |
Rs.5 lakh in a calendar quarter | 10,000 bonus Vantage Points |
Rs.10 lakh in a year | Annual Fee Waiver |
Fees and Charges
The following table highlights the joining and annual membership fees for primary members:
Customer Segment | First Year Fees | Fees from Second Year |
DBS non-Treasures Customers | Rs.50,000 | Rs.50,000 |
DBS Elite Customers | Rs.10,000 (receiving a benefit of Rs.40,000) | Rs.10,000 (receiving a benefit of Rs.40,000) |
DBS Treasures Customers | Rs.20,000 (receiving a benefit of Rs.30,000) | Rs.20,000 (receiving a benefit of Rs.30,000) |
Other Fees and Charges
Finance/ Overdue interest charges | Overdue interest on extended credit as well as cash advances for will be charged at 42% p.a. |
Overdue Penalty or Late Payment Fee on credit card is a function of the Total Amount Due | NIL: Total amount due up to Rs.100. Rs.99: Total amount due more than Rs.100 up to Rs.500. Rs.499: Total amount due more than Rs.500 up to Rs.5,000. 10% of the total amount due greater than Rs.5,000 subject to maximum of Rs.1,299. |
Charge slip retrieval charges | Rs.100 |
Over limit penalty | Rs.600 |
Card Replacement | Rs.3,000 per reissued card |
Physical Statement or Re-print of Physical statement Fee | Rs.100 |
Return Payment Charges (Cheque return, standing instruction, cheque bounce, automated clearing house, and others) | Rs.500 per instance |
Digital Statement fee prior to two years | Rs.100 |
Cash payment at branches | Rs.250 per cash deposit done the branch |
Fuel transaction charge for payment done at petrol pumps | 1% fuel surcharge |
Surcharge on Purchase/ Cancellation of Railway Tickets | IRCTC Service Charges plus payment gateway transaction charges |
Fee on rental payment | 1% on transaction amount |
Foreign Currency Transaction | 0% at Singapore and 1.75% for other nations |
Goods and Service Tax | GST charged may be applicable from time to time. Currently the GST rate is 18%. |
Reward Redemption Fees | Rs.99 plus GST levied on each redemption |
Cash advance fees or Cash Withdrawal Charges
Cash Withdrawal Charges | 2.5% of the transaction amountNote: Minimum amount should be Rs.500 |
Service Charges Levied for Various Transactions
Goods and Service Tax | 18% (Changed from time to time) |
Overdue Interest on Credit Cards
Finance Charges | 42% to 48% p.a. |
Annualised Equated Monthly Installment (EMI) Interest Rate
Revolver | Up to 39% |
Transactor | Up to 29.5% |
Charges in Case of Default
Overdue Penalty or Late Payment Fee |
NIL for Total Amount due up to Rs.100Rs.99 for Net Amount due over Rs.100 up to Rs.500Rs.499 for Net Amount due over Rs.5,000 up to Rs.5,00010% of Net Amount due over Rs.5,000 subject to maximum transaction of Rs.1,299 |
Overlimit Penalty
Overlimit Penalty | Rs.600 |
DBS Vantage Credit Card Customer Care
- Email: DBS Vantage Credit Cardholders can send email by mentioning their queries to vantagecareindia@dbs.com.
- Alternatively, they can also call DBS Bank’s 24/7 customer service number: 1800 209 4555 or +914469046789 for international customers.
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