DBS 10X Signature SuperCard Visa Credit Card
DBS Bank
Last updated: Feb 03, 2026
₹2,999
₹2,999
3.5%
8 visits/yr
Contents
Bajaj Finserv DBS Bank 10X Signature SuperCard Visa Credit Card is a lifestyle and rewards-focused credit card designed for urban professionals who spend heavily on shopping, travel, OTT subscriptions and everyday expenses. It offers base Cash Points on almost every spend, 10X rewards on crossing a monthly milestone, and up to 20X accelerated rewards on DBS Delights, making it a strong choice for reward maximisers. Cardholders also get fuel surcharge waivers, OTT savings, complimentary domestic airport lounge access and emergency cash features that turn the card into a powerful all-in-one daily-use credit card. If you are searching for a high-reward Visa credit card with SuperCard benefits, this 10X Signature variant is one of the most rewarding co-branded credit cards in India.
Features of DBS 10X Signature SuperCard Visa Credit Card which makes it unique
SuperCard Multi-Utility Design
Combines the power of a high-reward credit card, EMI card and emergency loan facility into one plastic.
Reduces the need for multiple cards and simplifies wallet management while still unlocking several lifestyle and travel benefits.
More versatile than a standard rewards credit card which usually lacks EMI and emergency cash features.
DBS Delights Lifestyle Ecosystem
Access to DBS Delights, a curated lifestyle platform offering up to 20X accelerated rewards, OTT deals and category-specific offers.
Lets heavy online shoppers, OTT users and travellers maximise value from every rupee spent.
Rarely matched by regular mid-range cards that do not offer such high multipliers on app-based spends.
Rewards Structure of DBS 10X Signature SuperCard Visa Credit Card
Base Rewards
baseAll eligible retail spends except fuel, cash withdrawals and restricted categories
Base rewards are credited on almost every day-to-day purchase including shopping, dining, travel, utility bills and online spends.
Monthly Milestone 10X Rewards
baseTotal retail spends of ₹20,000 in a statement month (excluding fuel and cash withdrawals) to unlock 10X rewards on all eligible spends in that month
Once the ₹20,000 milestone is reached, all eligible retail spends in that statement cycle earn 10X Cash Points, significantly boosting rewards for moderate and heavy spenders.
DBS Delights 20X Rewards
acceleratedEligible spends made on the DBS Delights rewards platform via DBS Card+ IN app
Use DBS Delights for shopping, dining, travel and experiences to earn very high reward rates compared to regular card swipes.
OTT Membership Benefits
acceleratedEligible OTT memberships purchased via DBS Card+ IN app on supported platforms
Ideal for users who regularly pay for OTT platforms and want one of the best OTT benefits credit cards in India.
Fuel Spends
acceleratedFuel purchases at Indian Oil Corporation Limited (IOCL) outlets using the SuperCard
Fuel transactions help you earn extra Cash Points while also saving 1% surcharge at eligible fuel stations.
Bajaj Finance Network EMI Benefits
acceleratedDown payment made at Bajaj Finance EMI Network stores and EMI marketplace using the SuperCard
Especially useful for big-ticket purchases of electronics, appliances and lifestyle products through Bajaj Finserv EMI Network.
Milestones of DBS 10X Signature SuperCard Visa Credit Card
Monthly 10X Spend Milestone
₹20,000 spend in a statement month : Earn additional 18 Cash Points per ₹200 on all eligible retail spends in that cycle (effective 10X rewards), capped at 10,000 bonus Cash Points per month.
OTT Membership Reward Cap
Eligible OTT membership spends via DBS Card+ IN app : Earn Cash Points equivalent to 40% discount on OTT memberships, up to 8,000 Cash Points per membership year.
Fees & Charges of DBS 10X Signature SuperCard Visa Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹2,999 |
| Annual Fee | ₹2,999 |
| Forex Markup Fee | 3.5% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹1,500 |
| Over Limit Fee | ₹600 |
| Returned Payment Fee | ₹500 |
| Cash Withdrawal Fee | 3% |
Renewal Conditions:No spend-based waiver; full annual fee of ₹2,999 + GST is charged every membership year.
Fee Explanation Finance charges of up to 4% per month (42%–48% p.a.) apply on revolving balances and cash withdrawals. Cash advance fee is 2.5% of the amount withdrawn (minimum ₹500). Late payment fee is 15% of total amount due, with a minimum of ₹50 and a maximum of ₹1,500. Overlimit penalty is ₹600 per instance. Foreign currency transactions attract a 3.5% markup on the transaction amount, plus GST. Additional charges such as reward redemption fee (₹99 + GST), fuel surcharge and dynamic currency conversion fee apply as per the bank’s MITC.
Detailed Explanation of DBS 10X Signature SuperCard Visa Credit Card Fees
Fuel Surcharge & Waiver: 1% surcharge; waiver up to ₹200 per billing cycle (per transaction / monthly cap)
1% fuel surcharge levied by the acquirer is reversed on eligible fuel transactions between ₹400 and ₹4,000 at participating fuel outlets, subject to a maximum waiver of ₹200 per statement cycle.
Joining Fee: ₹2,999 + GST (one-time)
Charged in the first year on primary card issuance; mandatory for availing welcome bonus.
Annual Fee: ₹2,999 + GST (yearly)
Charged from second year onwards with no spend-based waiver on this variant.
Cash Advance Fee: 2.5% of withdrawal (min ₹500) (per transaction)
Applicable on every ATM or cash withdrawal made on the SuperCard in India or overseas.
Finance Charges: Up to 4% per month (42%–48% p.a.) (monthly)
Applied on unpaid retail balances, cash withdrawals and EMI conversions if full outstanding is not paid by the due date.
Foreign Currency Markup: 3.5% of transaction value (per transaction)
Levied on all international transactions including online spends processed in foreign currency; additional network charges may be built into the conversion rate.
Late Payment Fee: 15% of Total Amount Due (min ₹50, max ₹1,500) (per statement cycle)
Charged if payment received is less than the Minimum Amount Due or not received by the payment due date.
Overlimit Penalty: ₹600 (per instance)
Charged whenever the total outstanding exceeds the assigned credit limit on the SuperCard.
Returned Payment Charges: ₹500 (per instance)
Applicable on cheque bounce, standing instruction failure, NACH return, insufficient funds or any other dishonoured payment towards the card.
Reward Redemption Fee: ₹99 + GST (per redemption)
Levied on every Cash Point redemption request placed through the DBS Card+ mobile app or other channels.
Lounge Access Benefits with DBS 10X Signature SuperCard Visa Credit Card
domestic Lounges
silverVisits per year: 8
Guest access: No
2 complimentary domestic airport lounge visits per quarter at participating Visa Signature lounges in India; primary cardholder only; access subject to Visa and bank partner list and successful authorization at lounge.
Insurance Coverage with DBS 10X Signature SuperCard Visa Credit Card
Zero Liability on Lost or Stolen Card
As per Bajaj Finserv DBS Bank SuperCard policyCardholder is protected against fraudulent transactions from the time the loss is reported to the bank, subject to timely reporting, customer due care and terms in the Cardmember Agreement.
Purchase and Chargeback Protection (Limited)
Case-specific as per network and bank rulesChargeback and dispute rights on unauthorized or defective transactions are available as per Visa network and DBS Bank dispute resolution guidelines; not a standalone insurance policy.
Additional Features of DBS 10X Signature SuperCard Visa Credit Card
Contactless Payments
Tap-and-pay enabled Visa credit card for quick, secure payments at NFC-enabled POS terminals.
Contactless transactions allowed up to RBI-mandated limits without PIN; higher-value transactions require PIN authorization.
DBS Card+ Mobile App
Dedicated SuperCard app to manage spends, track Cash Points, redeem rewards, control card usage and enable or disable online, POS and international transactions.
App access available to active cardholders with a registered mobile number and compatible smartphone.
Interest-Free Cash Withdrawal
Option to withdraw cash from ATMs with an interest-free period of up to 50 days when converted as per SuperCard emergency cash features.
Standard cash advance fee applies; interest-free period and eligibility depend on specific SuperCard emergency offers and timely repayment.
Easy EMI Conversion
Convert big-ticket purchases into EMIs directly through the app or customer care.
Minimum transaction amount and tenure-based processing fee or interest apply as per current SuperCard EMI grid.
Add-on Cards
Option to issue supplementary cards for family members with shared credit limit.
Primary cardholder remains fully responsible for all add-on card spends; eligibility and documentation as per bank’s add-on card policy.
Welcome Bonus with DBS 10X Signature SuperCard Visa Credit Card
Welcome Bonus: 12,000 Cash Points
Bonus Conditions: First customer-initiated transaction on the primary card within 60 days of card issuance and payment of joining fee; not applicable on upgrade, downgrade or swap from an existing SuperCard.
Application Process for DBS 10X Signature SuperCard Visa Credit Card
Processing Time
3-7 business days after document verification
Online Application
Available
Instant Approval
Available
Step-by-Step Process
Visit the official Bajaj Finserv or DBS Bank India website and navigate to the SuperCard or credit card section.
Select the Bajaj Finserv DBS Bank 10X Signature SuperCard Visa Credit Card and click on Apply Now.
Fill in the online application form with personal, employment and income details and agree to the terms and conditions.
Upload KYC documents such as PAN, Aadhaar, address proof and income proof, or schedule a physical KYC pickup if offered in your city.
Wait for the bank’s verification, internal underwriting checks and approval decision.
On approval, the physical SuperCard is printed and dispatched to your registered address; activate it via DBS Card+ app or phone banking and set your PIN.
Download the DBS Card+ mobile app to link your card, track Cash Points, control card usage and redeem rewards.
Required Documents for DBS 10X Signature SuperCard Visa Credit Card
Identity Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Income Proof
self-employedAccepted documents:
DBS 10X Signature SuperCard Visa Credit Card Merchant Acceptance Network
Domestic Acceptance
Widely accepted across India at most POS terminals, e-commerce merchants and biller platforms that support Visa credit cards.
International Acceptance
Accepted globally at millions of Visa network merchant outlets and ATMs, subject to RBI and bank guidelines on international usage.
Online Acceptance
Supported on major Indian and international e-commerce websites, travel portals, OTT platforms and bill payment apps.
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for DBS 10X Signature SuperCard Visa Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
750+
Citizenship
Indian residents only
Income Requirements
Salaried Applicants
₹30,000
Minimum annual income
Self-Employed Applicants
₹40,000
Minimum annual income
Who Can Apply
Important Conditions
- Applicant must be aged between 21 and 70 years, have a regular source of income, a good credit profile with no recent defaults, and must successfully complete KYC with PAN and Aadhaar as per RBI guidelines.
How Approval Is Decided
- Indian resident aged between 21 and 70 years at the time of application.
- Stable monthly income that meets the bank’s minimum salary or business income criteria.
- Clean credit history with a good credit score, ideally 750 or higher, and no recent serious defaults.
- Successful completion of KYC as per RBI norms and positive internal risk assessment by Bajaj Finserv DBS Bank.
Pros of DBS 10X Signature SuperCard Visa Credit Card
- High potential reward rate with 10X monthly milestone and 20X DBS Delights accelerators for engaged users.
- Complimentary domestic airport lounge access makes it a good travel-friendly Visa credit card.
- Strong OTT and lifestyle benefits with up to 40% value back in Cash Points on eligible memberships.
- Useful fuel surcharge waiver and extra Cash Points on fuel spends at IOCL outlets.
- Works as a multi-utility SuperCard with EMI, emergency cash and app-based controls ideal for modern users.
Cons of DBS 10X Signature SuperCard Visa Credit Card
- High joining and annual fee of ₹2,999 + GST with no fee waiver makes it unsuitable for light spenders.
- Best value requires hitting the ₹20,000 monthly milestone and actively using DBS Delights and OTT offers.
- Foreign currency markup of 3.5% is standard rather than low, so it is not the cheapest card for heavy international travellers.
- Reward structure is slightly complex with multiple multipliers, monthly caps and exclusions that casual users may find confusing.
Frequently Asked Questions about DBS 10X Signature SuperCard Visa Credit Card
What is the joining fee and annual fee for the Bajaj Finserv DBS Bank 10X Signature SuperCard Visa Credit Card?
The joining fee and annual fee for the Bajaj Finserv DBS Bank 10X Signature SuperCard are both ₹2,999 + GST. There is currently no spend-based waiver on the annual fee for this variant, so the fee is charged every membership year.
How does the 10X monthly milestone on this SuperCard work?
In any statement month where your eligible retail spends (excluding fuel, cash withdrawals and restricted categories) reach ₹20,000, you earn 10X rewards on those spends. This is implemented as an additional 18 Cash Points per ₹200 over the base 2 Cash Points per ₹200, with a cap of 10,000 bonus Cash Points per month.
What are the main rewards and benefits of the DBS 10X Signature SuperCard Visa Credit Card?
Key benefits include base Cash Points on almost all spends, 10X monthly milestone rewards, up to 20X accelerated rewards on DBS Delights, up to 40% value back in Cash Points on eligible OTT memberships, 5% cashback on down payments at Bajaj Finance network stores, fuel surcharge waiver with 3X Cash Points at IOCL outlets and complimentary domestic airport lounge access via Visa Signature.
Is the Bajaj Finserv DBS Bank 10X Signature SuperCard good for airport lounge access and travel?
Yes, this SuperCard offers 2 complimentary domestic airport lounge visits per quarter (8 per year) at participating Visa Signature lounges in India, making it useful for frequent domestic travellers. However, it does not provide complimentary international lounge access, and the 3.5% forex markup is standard, not premium, for foreign transactions.
What are the eligibility criteria for getting this credit card in India?
You should be an Indian resident aged between 21 and 70 years, with a regular source of income (salaried or self-employed), a good credit profile with a credit score ideally of 750 or higher and valid KYC documents such as PAN, Aadhaar and address proof. Final approval is at the discretion of Bajaj Finserv DBS Bank based on its internal underwriting policies.
How can I apply for the Bajaj Finserv DBS Bank 10X Signature SuperCard online?
You can apply online by visiting the official Bajaj Finserv or DBS Bank website, selecting the SuperCard section and choosing the 10X Signature SuperCard variant. Fill in the digital application form, complete KYC, upload your documents and submit the form. After verification and approval, your card is dispatched to your registered address and can be managed via the DBS Card+ mobile app.
Is the Bajaj Finserv DBS Bank SuperCard range being discontinued or migrated?
DBS Bank has announced that effective 1 December 2025, Bajaj Finserv DBS Bank SuperCards will be discontinued and cardholders will be moved to DBS SuperX or DBS SuperX Plus Credit Cards. Existing 10X Signature SuperCard customers should refer to official communication from the bank for details of migration, new benefits and timelines.
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