DBS 5X Plus Supercard Visa Credit Card
DBS Bank
Last updated: Feb 03, 2026
₹999
₹999
3.5%
4 visits/yr
Contents
The DBS 5X Plus Supercard (Visa) is a rewards-focused co-branded SuperCard (DBS + Bajaj Finserv) aimed at frequent online shoppers and lifestyle spenders. It gives assured Cash Points on every spend, large welcome points, monthly milestone multipliers and access to domestic airport lounges. The card suits users who can hit monthly/annual spend milestones to unlock amplified rewards and fee waivers.
Features of DBS 5X Plus Supercard Visa Credit Card which makes it unique
DBS Card+ App & DBS Delights
In-app rewards platform that unlocks higher multipliers and exclusive deals.
Higher reward potential and targeted merchant offers.
Stronger category multipliers when using the bank's curated portal.
Monthly Multiplier
5x multiplier on achieving monthly spend milestone.
Substantially increases effective earn rate for users who concentrate spend.
Better for concentrated monthly spenders vs. flat-rate reward cards.
Rewards Structure of DBS 5X Plus Supercard Visa Credit Card
Base Earn
baseAll retail spends except fuel and cash withdrawals
Guaranteed earn on most spends; Cash Points post on transaction posting date.
Monthly Milestone (5X)
acceleratedIf monthly spends (statement period) ≥ ₹10,000 (fuel and cash counted for milestone but not rewarded)
Multiply your Cash Points in a given month once the ₹10,000 milestone is achieved; check monthly caps.
DBS Delights
acceleratedPurchases on DBS Delights platform (DBS Card+ app / dbsdelights.in)
High multipliers for purchases through DBS’ curated rewards marketplace.
Milestones of DBS 5X Plus Supercard Visa Credit Card
Monthly Milestone (5X)
₹10,000 (per statement cycle) : Multiply Cash Points up to 5X; additional Cash Points capped at 3,000/month.
Annual Fee Waiver
₹75,000 (in a membership year) : Annual fee waived for next year.
Fees & Charges of DBS 5X Plus Supercard Visa Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹999 |
| Annual Fee | ₹999 |
| Forex Markup Fee | 3.5% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 2% |
Renewal Conditions:Annual fee waived for next year on annual spends ≥ ₹75,000.
Fee Explanation Standard bank rates, GST and statutory levies apply; annual fee charged at start of membership year and waiver subject to spend milestone.
Detailed Explanation of DBS 5X Plus Supercard Visa Credit Card Fees
Annual Fee: ₹999 + GST (yearly)
Waived for next membership year on ₹75,000 annual spend.
Joining Fee: ₹999 + GST (one-time)
Welcome points credited on first transaction within 60 days after joining fee payment.
Foreign Currency Transaction (Forex Markup): 3.5% (transaction)
Applies to overseas merchant transactions and cross-border transactions.
Cash Advance Fee: 2.5% (min ₹300) (transaction)
Xpress cash/ATM cash advance fees as per Cardmember Agreement.
Lounge Access Benefits with DBS 5X Plus Supercard Visa Credit Card
domestic Lounges
silverVisits per year: 4
Guest access: No
One complimentary domestic lounge access per quarter; subject to lounge T&Cs.
Insurance Coverage with DBS 5X Plus Supercard Visa Credit Card
Nil / Not standardised
Card does not list a specific travel or purchase insurance as part of the 5X Plus base product brochure; check product T&Cs for any variant-specific covers.
Additional Features of DBS 5X Plus Supercard Visa Credit Card
Contactless Payments
Tap-and-pay enabled for contactless transactions.
Add-on Cards
Add-on cards allowed (subject to issuer policy).
Add-on spend counts towards milestones.
Welcome Bonus with DBS 5X Plus Supercard Visa Credit Card
Welcome Bonus: 4,000 Cash Points
Bonus Conditions: Awarded on the first primary-card transaction within 60 days of card issuance after joining fee payment.
Application Process for DBS 5X Plus Supercard Visa Credit Card
Processing Time
5-7 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via DBS Card+ / bank website or partner portal
Upload KYC and income documents
Receive verification call or email from the bank
Card dispatched within 5-7 business days after approval
Required Documents for DBS 5X Plus Supercard Visa Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salaried/self-employedAccepted documents:
DBS 5X Plus Supercard Visa Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India (Visa network)
International Acceptance
Accepted globally where Visa is accepted
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for DBS 5X Plus Supercard Visa Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
650+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹25,000
Minimum annual income
Self-Employed Applicants
₹35,000
Minimum annual income
Who Can Apply
Important Conditions
- Valid PAN and Aadhaar required; card issued subject to DBS underwriting and KYC.
How Approval Is Decided
- Minimum age 21 years
- Indian resident with valid KYC
- Satisfactory credit profile (typically score ≥650) and income as per issuer policy
Pros of DBS 5X Plus Supercard Visa Credit Card
- Attractive milestone multiplier that magnifies reward earnings
- Clear welcome bonus on first transaction
- Useful DBS Delights offers and membership discounts
Cons of DBS 5X Plus Supercard Visa Credit Card
- Accelerated rewards capped (additional Cash Points limit of 3,000/month)
- Fuel and cash withdrawals excluded from reward accrual
- Forex markup of 3.5% is higher than some premium no-forex-fee cards
Frequently Asked Questions about DBS 5X Plus Supercard Visa Credit Card
Is there a joining fee?
Yes. Joining fee is ₹999 + GST; welcome 4,000 Cash Points are credited after the first transaction within 60 days and joining fee payment.
How do I earn the 5X multiplier?
If your total retail spends in a statement period equal or exceed ₹10,000 (fuel and cash count for milestone but are not rewarded), your Cash Points for that month are multiplied up to 5X subject to caps.
What is the value of Cash Points?
Cash Points are DBS rewards units; typical redemption values depend on the redemption method. For estimation we used ₹0.10 per Cash Point (DBS redemption rates vary).
How is the annual fee waived?
Spend ₹75,000 or more during the membership year to get the annual fee waived for the next year.
Are fuel purchases rewarded?
Fuel transactions count towards the monthly spend milestone but do not earn Cash Points; fuel surcharge waiver up to ₹100 per statement cycle applies.
How long do Cash Points remain valid?
Cash Points are valid for 2 years from the date of accrual as per product T&Cs.
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