DBS Vantage Credit Card

Best suited to applicants who clear the standard eligibility bar whose spend is concentrated in travel, dining. Its annual fee waives if you can comfortably clear the spend threshold.

• Movie & dining: 10% cashback up to ₹1,500 a month at duty-free stores at domestic and international airports
• Rewards rate: 2% base rate
• Travel: 0% forex markup on all overseas spends; CFAR (Cancel For Any Reason) cover on flight/hotel bookings via DBS Delights (up to ₹1,00,000 a year international, ₹10,000 domestic); 2 complimentary meet & greet concierge services a year on ₹3 lakh annual spend
• Domestic lounge access: Unlimited complimentary domestic lounge access via LoungeKey
• International lounge access: Unlimited complimentary international lounge access via LoungeKey
• Golf: Not listed on the current DBS Vantage benefits page
• Insurance benefits: Cancel For Any Reason (CFAR) travel cover on flight/hotel bookings made via DBS Delights

• ✈️ Travel

  10% reward rate (capped ₹15,000/monthly) · Unlimited access to select domestic and international airport lounges

• 🏨 Hotel

  4 Vantage Points per ₹200 spent in India (2%); 20 VP per ₹200 on flights and hotels via DBS Delights (capped at 15,000 VP a month)

• ⛽ Fuel

  1% fuel surcharge waiver on ₹1,000–₹6,000 transactions, capped at ₹200/cycle

• 🌍 Forex / international spend

  0% forex markup on international spends · 0% forex markup on international transactions

• Employment: salaried, self-employed

• Spend-based waiver: Waived on annual spend of ₹10,00,000
• Foreign currency markup: 0%
• Interest rate: 42%–48% p.a.
• Fuel surcharge waiver: 1% fuel surcharge waiver on ₹1,000–₹6,000 transactions, capped at ₹200/cycle

• Unlimited access to select domestic and international airport lounges
• 10,000 Vantage Points (1 VP = ₹1) on first transaction within 30 days of card setup and joining fee payment
• 0% forex markup on international spends
• 4 Vantage Points per ₹200 spent in India (2%); 20 VP per ₹200 on flights and hotels via DBS Delights (capped at 15,000 VP a month)
• 10,000 bonus Vantage Points on ₹5,00,000 spend every calendar quarter
• 2 complimentary meet & greet concierge services per year (on ₹3 lakh annual spend)
• 10% cashback at duty-free stores, capped at ₹1,500/month
• 1% fuel surcharge waiver on ₹1,000–₹6,000 transactions, capped at ₹200/cycle