DBS 5X SuperCard Visa Credit Card
DBS Bank
Last updated: Feb 03, 2026
₹999
₹0
3.5%
4 visits/yr
Contents
DBS 5X SuperCard Visa Credit Card is a co-branded rewards credit card from DBS Bank India and Bajaj Finserv, designed for everyday shopping, EMI purchases and app-based spending. You earn structured Cash Points with 1X base rewards, 5X monthly milestone rewards and 10X rewards on select DBS Card+ IN app transactions, making it attractive for consistent monthly spenders. The card also offers complimentary domestic airport lounge access, EMI conversion options and value-back on select memberships and OTT subscriptions through the DBS platform. As per DBS’ latest communication, the existing Bajaj Finserv DBS Bank SuperCard portfolio is being migrated to the new DBS SuperX and SuperX Plus Credit Cards from 1 December 2025, so features and availability may change for new applicants.
Features of DBS 5X SuperCard Visa Credit Card which makes it unique
Credit Card + EMI Hybrid Design
Combines a full-featured Visa credit card with Bajaj Finserv’s wide EMI network and DBS digital banking experience.
Use a single plastic for everyday card spends, EMI financing and app-based offers instead of juggling multiple cards.
More integrated EMI plus rewards journey than many standalone entry-level credit cards.
Structured 1X–5X–10X Rewards Engine
Layered rewards with 1X base, 5X milestone and up to 10X on eligible DBS Card+ IN app spends.
Power users who hit the monthly milestone and use the app can significantly increase effective reward rate.
More predictable milestone-based earning than flat cashback cards in a similar fee range.
App-First Reward Redemption
Cash Points can be easily redeemed for vouchers, hotel bookings and statement credit via DBS Card+ IN app.
Simple, digital-first redemption with instant confirmation for most reward bookings.
Smoother app journey compared to legacy rewards portals of many traditional banks.
Rewards Structure of DBS 5X SuperCard Visa Credit Card
Base Rewards
baseAll eligible retail spends excluding rental, wallet loading, utility payments (post 23 March 2024), fuel transactions and cash withdrawals.
Base rewards form the 1X earning layer and are credited when the transaction is posted to your DBS 5X SuperCard account.
Monthly Milestone 5X Rewards
acceleratedTotal eligible spends of at least ₹10,000 in a statement cycle (excluding cash withdrawals, fuel, rental, wallet loads and utility transactions).
Cash withdrawals and fuel transactions count towards the ₹10,000 milestone threshold but do not earn extra Cash Points. Rental, wallet load and utility spends do not count towards the milestone and are not rewarded.
App Rewards 10X On DBS Card+ IN
acceleratedEligible spends made on the rewards platform within the DBS Card+ IN app on select partners and categories as defined by DBS.
10X rewards are credited on posting of eligible app transactions and are not applicable on flight bookings within the DBS Card+ IN app as per latest T&Cs.
Fuel Transactions
baseFuel purchases at petrol pumps and fuel outlets.
Fuel transactions are eligible for surcharge waiver within specified limits but do not earn base or accelerated Cash Points.
Rent, Utilities And Wallet Loads
baseRental payments, utility bill payments and wallet loading transactions, especially after 23 March 2024.
These categories neither earn rewards nor count towards milestone calculations as per updated DBS SuperCard rewards terms.
Milestones of DBS 5X SuperCard Visa Credit Card
Monthly 5X Rewards Milestone
₹10,000 eligible spends in a statement cycle : Additional 8 Cash Points per ₹200 on eligible spends in that statement month (overall 5X structure up to 3,000 bonus Cash Points).
Annual Fee Waiver Milestone
₹75,000 eligible retail spends in the previous card year : Waiver of next year’s annual fee of ₹999 + GST.
Fees & Charges of DBS 5X SuperCard Visa Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | 0 |
| Annual Fee | ₹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:Annual fee of ₹999 + GST from second year onwards; waived if you spend ₹75,000 or more on eligible retail transactions in the previous card anniversary year. Cash withdrawals, EMI conversions, balance transfers, wallet loads, rent and utility payments are generally not counted towards the waiver threshold.
Fee Explanation Interest is typically charged at about 4% per month (up to 48% p.a.) on revolving balances and cash advances. Cash advance fee is around 2.5% of the withdrawn amount, subject to a minimum of ₹500. Forex markup of 3.5% plus GST applies on international transactions. Late payment fees are slab-based up to a maximum of ₹1,500, and an overlimit fee of ₹600 is charged if you exceed your credit limit, as per the latest MITC.
Detailed Explanation of DBS 5X SuperCard Visa Credit Card Fees
Late Payment Fee: Up to ₹1,500 (statement)
Typically 15% of Total Amount Due with a minimum of ₹50 and maximum cap around ₹1,500, charged when payment is not received by the due date as per latest MITC.
Overlimit Fee: ₹600 (statement)
Charged if the outstanding exceeds the assigned credit limit at any time during the cycle.
Return Payment Fee: ₹500 (per instance)
Charged when cheque, autopay, standing instruction or other payment mode is returned or fails due to insufficient funds or other reasons.
Reward Redemption Fee: ₹99 (transaction)
May be charged on certain Cash Point redemption transactions as per DBS Delights / DBS Card+ IN app terms.
Joining Fee: ₹0 (one-time)
First-year fee is often waived as part of promotional offers; check latest DBS Bank and Bajaj Finserv communication at the time of application.
Annual Fee: ₹999 + GST (yearly)
Charged from second year onwards; waived on achieving ₹75,000 eligible annual retail spends in the previous year.
Finance Charges: Up to 4% per month (48% p.a.) (monthly)
Applicable on unpaid balances, cash advances and certain EMI transactions as per MITC.
Cash Advance Fee: 2.5% (min ₹500) (transaction)
Charged on every ATM or over-the-counter cash withdrawal, plus applicable finance charges from the date of withdrawal.
Forex Markup Fee: 3.5% of transaction value (transaction)
Levied on all international transactions and certain online transactions processed by overseas acquirers, plus GST.
Lounge Access Benefits with DBS 5X SuperCard Visa Credit Card
domestic Lounges
silverVisits per year: 4
Guest access: No
1 complimentary domestic airport lounge visit per quarter via eligible Visa lounge partners, for primary cardholder only and subject to network and bank terms.
Additional Features of DBS 5X SuperCard Visa Credit Card
Bajaj Finserv EMI Network Access
Use the DBS 5X SuperCard on the Bajaj Finserv EMI network to convert large purchases into no-cost or low-cost EMIs at partner stores and online merchants.
EMI offers, tenure and interest rates are subject to Bajaj Finserv and DBS Bank policies at the time of purchase.
Convert To EMI
Convert eligible retail transactions above a minimum amount (typically ₹2,500) into flexible EMIs directly from the DBS Card+ IN app.
Tenure options and applicable interest or processing fees depend on the offer and customer profile.
Interest-Free Cash Withdrawal
Enjoy short-term interest-free cash withdrawals for a limited period (up to around 50 days) under specific SuperCard offers, making it more flexible than regular cash advances.
Available only on eligible offers; standard cash advance fees and charges may apply beyond the promotional period as per MITC.
DBS Card+ IN Mobile App
Manage your card, redeem Cash Points, convert spends to EMIs, track statements and access exclusive offers through the DBS Card+ IN app.
Requires app login and an active SuperCard; features and partners may change over time.
Add-on Cards
Optional add-on cards for family members with shared credit limit and similar earn structure.
Add-on issuance is generally free; KYC of add-on holder may be required as per regulations.
Welcome Bonus with DBS 5X SuperCard Visa Credit Card
Welcome Bonus: 4,000 Cash Points
Bonus Conditions: 4,000 Cash Points are credited after payment of applicable joining fee and the first customer-initiated transaction within 60 days of card issuance; valid only for new primary cardholders and not for upgrades, downgrades or variant swaps; welcome Cash Points may be reversed on card closure, downgrade or product change as per bank policy.
Application Process for DBS 5X SuperCard Visa Credit Card
Processing Time
Typically 3–7 working days after successful documentation and verification.
Online Application
Available
Instant Approval
Available
Step-by-Step Process
Go to the DBS Bank India or Bajaj Finserv website or app and navigate to the Bajaj Finserv DBS Bank SuperCard section.
Choose the DBS 5X SuperCard or the closest available SuperCard variant and click on Apply Now.
Fill in your personal, contact and employment details and provide PAN, Aadhaar and other KYC information.
Upload income documents like salary slips or ITRs and complete e-KYC and mobile/OTP verification.
On approval, you may receive an instant virtual card for online use, and the physical Visa SuperCard will be dispatched to your address.
Required Documents for DBS 5X SuperCard Visa Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Income Proof
self-employedAccepted documents:
DBS 5X SuperCard Visa Credit Card Merchant Acceptance Network
Domestic Acceptance
Widely accepted across India at all merchants and online platforms that support Visa credit cards, along with special acceptance and EMI options at Bajaj Finserv partner stores.
International Acceptance
Accepted globally at millions of merchants and ATMs that accept Visa credit cards.
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for DBS 5X SuperCard Visa Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
750+
Citizenship
Indian residents only
Income Requirements
Salaried Applicants
₹25,000
Minimum annual income
Self-Employed Applicants
₹30,000
Minimum annual income
Who Can Apply
Important Conditions
- Applicant should have a stable income source and a clean repayment history with no major delinquencies; final approval is based on DBS Bank India’s internal credit and risk policies. PAN and Aadhaar are usually required along with standard KYC and income documents.
How Approval Is Decided
- Indian resident aged 21 years or above with stable income.
- Good credit profile, generally a credit score of 750 or higher with clean repayment history.
- DBS Bank’s internal eligibility checks on income, employment type, existing debt and bureau records.
Pros of DBS 5X SuperCard Visa Credit Card
- Attractive 5X milestone and 10X app-based rewards on top of base Cash Points for eligible categories.
- Quarterly domestic airport lounge access adds comfort for occasional travellers.
- Integration with Bajaj Finserv EMI network is useful for gadgets, appliances and lifestyle purchases.
- Digital-first onboarding, app management and easy rewards redemption via DBS Card+ IN app.
- Annual fee waiver at ₹75,000 spend is achievable for moderate to high spenders.
Cons of DBS 5X SuperCard Visa Credit Card
- Forex markup of 3.5% makes it less attractive as a primary international travel card.
- No dedicated airline or hotel transfer partners; rewards are primarily voucher or cashback oriented.
- Limited or no rewards on fuel, rent, wallet loads and utility categories after recent program updates.
- Interest rate of up to 48% p.a. on revolving balances is high if you do not pay your bill in full each month.
- Card portfolio is being migrated to new DBS SuperX variants, so long-term benefits and branding may change.
Frequently Asked Questions about DBS 5X SuperCard Visa Credit Card
What is the annual fee of the DBS 5X SuperCard Visa Credit Card?
The DBS 5X SuperCard Visa Credit Card usually comes with a first-year fee waiver and an annual fee of ₹999 + GST from the second year onwards, which can be waived if you spend at least ₹75,000 on eligible retail spends in the previous year.
How does the 5X rewards milestone work on the DBS 5X SuperCard?
You earn base 1X rewards of 2 Cash Points per ₹200 on eligible spends. When your eligible monthly spends reach ₹10,000 in a statement cycle, you get additional 8 Cash Points per ₹200 (making it 5X) on those eligible transactions, capped at 3,000 bonus Cash Points per month.
What are the main exclusions for earning rewards on the DBS 5X SuperCard?
Generally, cash withdrawals, fuel spends, rental payments, wallet loads and utility transactions do not earn Cash Points and some of these also do not count towards the monthly 5X milestone. Always refer to the latest DBS SuperCard rewards terms for the current exclusion list.
Does the DBS 5X SuperCard offer airport lounge access?
Yes, the DBS 5X SuperCard typically offers 1 complimentary domestic airport lounge access per quarter via the Visa lounge program, giving you up to 4 free visits a year for the primary cardholder at participating lounges.
How can I redeem Cash Points earned on the DBS 5X SuperCard?
You can redeem Cash Points through the DBS Card+ IN app for gift vouchers, hotel bookings and sometimes against statement credit. The exact redemption options, value per point and any redemption charges are defined on the DBS Delights platform and in the app.
Is the DBS 5X SuperCard a good choice for international spending?
While the card is powered by Visa and is accepted globally, the 3.5% forex markup plus GST means it is not the most efficient option purely for international spending. It is better positioned as a domestic rewards and EMI-focused card rather than a dedicated travel credit card.
What is happening to existing Bajaj Finserv DBS Bank SuperCard variants after December 2025?
DBS Bank India has announced that effective 1 December 2025, the Bajaj Finserv DBS Bank SuperCard range will be discontinued and customers will be moved to the DBS SuperX or SuperX Plus Credit Cards. Existing users should check official DBS communication, email and SMS for migration details and updated benefits.
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