A Detailed Review of DBS Vantage Credit Card: Your Getaway to Luxury

Bio

Sandipan Mitra is the CEO and co-founder of Pice. He boasts eight years of experience in the B2B and fintech sector. Sandipan's journey includes significant roles at multiple Indian Unicorns Including Product at PayU, and as founding member / VP, Product at Open Financial Technologies.

6 Apr 26
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Table of Contents

DBS Vantage Credit Card Joining Benefits
Additional DBS Vantage Credit Card Benefits
DBS Vantage Credit Card Charges

10,000 Vantage points worth ₹10,000 as a joining bonus.
1 year of complimentary luxury hotel membership between ITC Club, Marriott and Taj Epicure.
Unlimited domestic and international lounge access.
10% cashback up to ₹1,500 at domestic and international duty-free stores.
Up to 40,000 Vantage points as a milestone bonus.

Do you frequently travel overseas for business or leisure? Then, how about getting a credit card that charges low to no foreign exchange fees on all your international spending?

This is where the DBS Vantage Credit Card comes in! Designed exclusively for high spenders and travellers alike, this credit card offers premium, travel-focused benefits that significantly reduce your trip expenses.

Wondering how? Then, scroll down to find out!

DBS Vantage Credit Card Joining Benefits

This invite-only credit card benefits its users from the very first day. Users receive 10,000 Vantage points within 30 days of card issuance by making their first transaction.

Additionally, the card offers 1 year of complimentary luxury hotel membership as a joining bonus. Users can choose between ITC, Club Marriott and Taj Epicure. To avail the benefit, cardholders must:

Visit the DBS Bank rewards portal, DBS Delights and log in using your credentials.
Select your preferred hotel membership and make a purchase transaction of ₹2.
Once purchased, you can review the details in the order history.

Each luxury hotel membership has its own perks. Here is a comparative study of the top features of each membership program to help you make an informed choice:

Parameters	Club Marriott Membership	Club ITC Culinaire Membership	TAJ Epicure Corporate Membership
Food and Beverages	Up to 25% off at participating Marriott Hotels in India for up to 20 guests.	Get green points worth 25% of the cost at participating ITC Hotels and Welcomhotels.	Up to 25% off on takeaway or dining for a maximum of 10 people.
Accommodation	Up to a 20% discount at participating Marriott Hotels and 10% at Select Marriott Luxury Hotels in India for rooms.	Get green points worth 5% of the cost as a resident guest at participating ITC Hotels, Welcomhotels and Fortune Hotels.	20% discount on rooms/suites at participating hotels, Taj Palaces and Taj Safaris for a maximum of 5 nights.
Others	Up to 20% off on spa services at select participating Marriott Hotels in India.	50% bonus Green Points during the cardholder’s and spouse's birthday week.	20% off on spa treatments at Jiva Spas.

Additional DBS Vantage Credit Card Benefits

DBS Vantage credit cardholders will earn 4 Vantage points on domestic purchases of ₹200 and 8 Vantage points on international spends of ₹200, except in Singapore. All Singapore transactions are eligible for 4 points per ₹200.

Since 1 Vantage point equates to ₹1 if redeemed on the DBS bank’s rewards portal, members can extract maximum benefits from this robust reward structure.

Suppose your monthly international travel spend is ₹50,000, which will help you earn 2,000 points, translating to a flat discount of ₹2,000 on your next travel reservation via the DBS Delights portal.

Other benefits include:

Milestone Benefit

In addition to assured points, users can also earn 5,000 Vantage points for a quarterly spend of ₹3,00,000 and 10,000 Vantage points for a quarterly spend of ₹5,00,000. Plus, members can also receive 40,000 Vantage points for cumulative annual spending of ₹20,00,000.

Instant Cashback at Duty-free Stores

Cardmembers can avail 10% cashback, up to ₹1,500 per month, on all transactions at Duty Free Stores at domestic and international airports. Members can see the monthly earned cashback in the billing statement of the next month.

Complimentary Lounge Access

The DBS Vantage credit card lounge access program, in partnership with the LoungeKey, provides unlimited complimentary visits to all domestic and international lounges. This benefit only applies to the primary cardholder.

Complimentary Golf Sessions

The primary cardholder is eligible for 4 free-of-cost golf lessons in a year, capped at 1 per quarter.

Fuel Surcharge Waiver

Get 1% fuel surcharge waiver, a maximum of ₹200 per month, on fuel transactions between ₹1,000 and ₹6,000.

24x7 Concierge Services

Cardholders can get access to a round-the-clock concierge service by dialling 0008 00442 001. Once booked, you will receive immediate assistance for dining reservations, medical and wellness services, entertainment experience, local and global activities, etc.

Zero Forex Markup

While spending in Singapore will attract no forex markup, other international transactions will attract a reduced forex charge of 1.75%. This markup is charged on your subsequent billing statement within 60 days of the transaction settlement date.

All these travel-focused features and highly valuable cash points significantly subsidise your travel expenses.

From making travel reservations via the DBS Delights portal using your cash points to discounts at hotels through the membership program to reduced foreign exchange fees, the DBS Vantage credit card is the ultimate travel card that deserves your wallet space.

Note: Transactions related to fuel, wallet recharge, rent, EMI conversion and balance transfer are excluded from earning points.

Since you are planning on getting this smart card, experience smarter money management with PICE. It keeps you one step ahead by tracking your due dates and clearing your bills.

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DBS Vantage Credit Card Charges

The joining and annual charges of the DBS Vantage Credit Card vary depending on different customer segments. Take a look:

Customer Segment	Joining/Annual Fee
DBS Non-Treasures Customers	₹50,000
DBS Elite Customers	₹10,000
DBS Treasures Customers	₹20,000

The annual fee, levied from the 2nd year onwards, can be waived off by spending ₹10,00,000 in the previous calendar year.

The card also attracts other charges, such as:

Type	Charges
Reward Redemption Fee	₹99
Card Replacement Cost	₹3,000 per reissuance
Physical Statement Fee	₹100 per statement
Digital Statement Fee (before 2 years)	₹100 per statement
Return Payment Fee	₹500 per transaction
Cash Payment Charges	₹250 per credit card bill paid using cash
Rental Transaction Fee	1% or ₹199, whichever is higher
Overlimit Fee	NIL
Late Payment Charges	For ₹100 and less: NIL For ₹101 - ₹500: ₹99 For ₹501 - ₹5,000: ₹499 For ₹5,001 and more: 10% or ₹1,299 (whichever is higher)

💡Download the Pice app and skip the hassle of late payment charges! It schedules payment reminders in advance and clears your credit card dues on time.

Footnote

All DBS Vantage credit card charges are subject to 18% GST.

FAQs

Can I request a limit increase on my DBS Vantage credit card?

Yes, you can request a credit limit increase. The bank will review your repayment history, credit score and income increments to determine your limit.

Can I get an add-on card for my DBS Vantage credit card?

Yes, you can apply for add-on cards for family members aged 18 and above. DBS Bank allows multiple add-on cards under one DBS Vantage credit account.

What are the things to keep in mind before reporting fraud on the DBS Vantage credit card?

Before filing a report, ensure you review all your recent transactions to identify unauthorised activity. Keep your card details, statement, and transaction timestamps ready while filing a report on 1800 209 4555 and +91-44- 66854555 (for overseas clients).