DBS Vantage Visa Credit Card
DBS Bank
Last updated: Feb 03, 2026
₹50,000
₹50,000
1.75%
Unlimited lounge access
Contents
DBS Vantage Visa Credit Card is an invite-only, super-premium metal credit card from DBS Bank India, designed for high-income frequent travellers and global HNIs. It offers 0% forex markup on spends in Singapore, a low 1.75% forex markup elsewhere, unlimited domestic and international airport lounge access, and complimentary luxury hotel memberships. Cardholders earn Vantage Points on every transaction in India and overseas, which can be redeemed via the DBS Delights platform for flights, hotels, vouchers, and more. This card is best suited for affluent users who want a premium travel credit card with powerful lounge benefits, hotel privileges, and zero forex charges for Singapore trips.
Features of DBS Vantage Visa Credit Card which makes it unique
0% Forex Markup for Singapore Spends
DBS Vantage is one of the first India-issued credit cards to offer 0% forex markup specifically for spends in Singapore.
Huge savings on currency conversion fees for frequent Singapore travellers compared to the standard ~3.5% forex markup on regular cards.
Unique country-specific zero forex feature that differentiates it from most other Indian premium travel credit cards.
Unlimited Global Lounge Access
Complimentary unlimited access to both domestic and international airport lounges for the primary cardholder.
Seamless airport experience with food, Wi-Fi and comfortable seating on every trip without worrying about lounge visit caps.
Competes with top super-premium cards like HDFC Infinia and Axis Magnus that also offer strong lounge access.
Luxury Hotel Membership Choice
Complimentary membership in one of Taj Epicure, ITC Culinaire or Club Marriott included as a welcome benefit.
Recurring discounts on dining, upgrades and stay offers at luxury hotel chains, adding strong lifestyle value.
Comparable to premium hotel tie-ups on cards like HDFC Infinia and SBI Aurum but tailored via DBS partner set.
Invite-Only HNI Positioning
DBS Vantage is offered primarily to DBS Treasures and Treasures Elite customers with strong banking relationships.
Exclusivity and curated benefits designed around affluent customer travel and lifestyle needs.
Similar invite-only positioning as some ultra-premium metal cards from global issuers.
Rewards Structure of DBS Vantage Visa Credit Card
Domestic Spends
baseAll eligible retail spends within India, excluding restricted MCCs such as fuel, rent, wallet loads, government payments and other exclusions mentioned in DBS Vantage T&Cs.
Effective base reward rate of around 2% on domestic spends because 1 Vantage Point = ₹1 when redeemed via DBS Delights.
International Spends
acceleratedAll eligible international POS and e-commerce spends in non-INR currencies, excluding excluded categories as per card T&Cs.
Effective reward rate of around 4% on international spends plus 0% forex markup in Singapore and 1.75% elsewhere.
Duty-Free Shopping
baseEligible spends at domestic and international duty-free stores using the DBS Vantage Card.
Duty-free cashback is over and above regular Vantage Points on eligible duty-free transactions.
Milestone Spends
baseQuarterly and annual spends reaching pre-defined thresholds.
5,000 bonus Vantage Points on ₹3,00,000 quarterly spends, 10,000 bonus Vantage Points on ₹5,00,000 quarterly spends, and 40,000 bonus Vantage Points on ₹20,00,000 annual spends as per DBS milestone grid.
All Other Eligible Spends
baseRetail transactions not falling under excluded merchant categories defined in the DBS Vantage Card T&Cs.
Vantage Points can be redeemed on DBS Delights for flights, hotels, gift vouchers and more; actual value depends on redemption option.
Milestones of DBS Vantage Visa Credit Card
Quarterly Milestone – ₹3 Lakh
₹3,00,000 in a calendar quarter : 5,000 bonus Vantage Points credited after the quarter if spend condition is met.
Quarterly Milestone – ₹5 Lakh
₹5,00,000 in a calendar quarter : 10,000 bonus Vantage Points credited after the quarter if higher milestone condition is met.
Annual Milestone – ₹20 Lakh
₹20,00,000 in a calendar year : Up to 40,000 cumulative bonus Vantage Points in a calendar year, subject to program cap.
Annual Fee Waiver Milestone
₹10,00,000 in a card anniversary year : Annual fee waiver for the next renewal year, subject to DBS Vantage Card fee waiver conditions.
Fees & Charges of DBS Vantage Visa Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹50,000 |
| Annual Fee | ₹50,000 |
| Forex Markup Fee | 1.75% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹1,299 |
| Over Limit Fee | ₹600 |
| Returned Payment Fee | ₹500 |
| Cash Withdrawal Fee | 3% |
Renewal Conditions:Annual fee is segment based and can be waived on ₹10,00,000 eligible annual spends in a card anniversary year.
Fee Explanation 0% forex markup on spends in Singapore and 1.75% forex markup on other international transactions, plus standard interest, late payment, cash advance and overlimit charges as per DBS Bank India schedule of charges.
Detailed Explanation of DBS Vantage Visa Credit Card Fees
Joining Fee: ₹50,000 (once)
Standard annual fee for non-relationship customers; reduced joining fee of ₹10,000 for DBS Elite and ₹20,000 for DBS Treasures customers as per current DBS schedule.
Annual Fee: ₹50,000 (yearly)
Annual fee varies by segment (₹10,000 for DBS Elite, ₹20,000 for DBS Treasures, ₹50,000 for others). Waived on ₹10,00,000 eligible annual spends in a card anniversary year.
Forex Markup Fee: 0%–1.75% (transaction)
0% forex markup on spends in Singapore; 1.75% forex markup on spends in other foreign currencies, plus applicable GST.
Cash Advance Fee: 2.5% (transaction)
2.5% of the transaction amount, subject to a minimum of ₹500 for cash withdrawals at ATMs or over the counter.
Late Payment Charges: up to ₹1,299 (statement)
Tiered late payment fee based on total amount due, capped at 10% of total amount due with a maximum of ₹1,299 as per latest DBS schedule.
Overlimit Fee: ₹600 (statement)
Charged if the total outstanding amount exceeds the assigned credit limit at billing.
Lounge Access Benefits with DBS Vantage Visa Credit Card
domestic Lounges
silverVisits per year: Unlimited
Guest access: No
Effectively unlimited complimentary access to select domestic airport lounges for the primary cardholder, via eligible lounge access program as per DBS Vantage benefits. Guest access is subject to lounge program rules and may be chargeable.
international Lounges
silverVisits per year: Unlimited
Guest access: No
Effectively unlimited complimentary access to select international airport lounges worldwide for the primary cardholder. Specific lounge networks, access method (card or membership) and guest charges are governed by DBS Vantage lounge partner terms.
Additional Features of DBS Vantage Visa Credit Card
Metal Card Design
Premium metal credit card build reflecting high net worth positioning and luxury branding.
DBS Card+ Mobile App
Full control of your DBS Vantage Card from the DBS Card+ app, including PIN change, limit management, transaction tracking, tokenisation and card controls.
Luxury Hotel Memberships
Choice of one complimentary membership from Taj Epicure, ITC Culinaire or Club Marriott providing dining discounts, stay benefits and room upgrades at partner hotels.
Membership benefits, validity and partner list are governed by the respective hotel program and may change from time to time.
Complimentary Golf Sessions
Up to 4 complimentary golf sessions per calendar year at select golf courses across India.
Prior booking via DBS Delights golf portal is mandatory; primary cardholder only; tee-time availability and course list defined by DBS.
DBS Delights Rewards Platform
Dedicated rewards marketplace to redeem Vantage Points for flights, hotels, dining, brand vouchers and premium gift cards.
Redemption catalog, point value and participating partners are subject to change as per DBS Delights program rules.
Welcome Bonus with DBS Vantage Visa Credit Card
Welcome Bonus: 10,000 Vantage Points
Bonus Conditions: On making your first transaction within 30 days of card setup and paying the joining fee, as per DBS Vantage T&Cs.
Application Process for DBS Vantage Visa Credit Card
Processing Time
Typically 5–7 business days after approval and successful KYC for invited customers.
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Maintain or open a DBS Treasures or DBS Treasures Elite relationship and build a strong overall banking profile with DBS Bank India.
Express interest in the DBS Vantage Visa Credit Card via the official DBS website, DBS Card+ app, relationship manager or customer care.
Share required KYC and income documents if requested and complete video-KYC or in-person verification as per DBS policy.
DBS Bank evaluates your relationship value, credit history and internal eligibility criteria for the invite-only Vantage program.
On approval, the metal DBS Vantage Visa Credit Card is issued and securely delivered; you can then activate and manage it via the DBS Card+ app.
Required Documents for DBS Vantage Visa Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Income Proof
self_employedAccepted documents:
DBS Vantage Visa Credit Card Merchant Acceptance Network
Domestic Acceptance
Widely accepted across India at most POS terminals, online merchants and payment gateways that support Visa credit cards.
International Acceptance
Accepted globally wherever Visa credit cards are supported, making it suitable for frequent international travellers.
Online Acceptance
Yes, works across Indian and international e-commerce sites, apps and payment gateways that accept Visa.
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for DBS Vantage Visa Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
0+
Citizenship
Indian residents only
Income Requirements
Salaried Applicants
₹0
Minimum annual income
Self-Employed Applicants
₹0
Minimum annual income
Who Can Apply
Important Conditions
- Invite-only super-premium credit card. Eligibility is based on DBS Treasures / DBS Treasures Elite relationship, overall banking profile, credit history and internal risk assessment. Actual income and credit score criteria are not publicly disclosed.
How Approval Is Decided
- Invite-only based on DBS Treasures / Treasures Elite or similar high-value banking relationship.
- Strong and stable credit history with good repayment track record and high credit score.
- Higher-than-average income or investable assets suitable for a super-premium credit card.
- Successful completion of KYC, internal risk checks and any additional verifications required by DBS Bank India.
Pros of DBS Vantage Visa Credit Card
- Excellent travel value with 0% forex markup for Singapore and low 1.75% forex markup for other countries.
- Unlimited complimentary lounge access at domestic and international airports for the primary cardholder.
- Luxury hotel memberships from Taj, ITC or Marriott as part of the welcome benefits.
- Simple Vantage Points structure with 4 VP per ₹200 domestic and 8 VP per ₹200 international, where 1 VP ≈ ₹1 on many redemptions.
- Attractive milestone structure with bonus Vantage Points and potential annual fee waiver on high annual spends.
Cons of DBS Vantage Visa Credit Card
- Very high annual fee for customers who are not in DBS Elite or DBS Treasures segments.
- Invite-only eligibility; card is not accessible to general applicants without an existing DBS banking relationship.
- Base reward rate on domestic spends is modest compared to some competing super-premium reward cards.
- Limited clarity on direct airline transfer partners; rewards are largely redeemed via the DBS Delights platform.
- Benefits are heavily travel-focused, offering limited incremental value if you do not travel frequently or use airport lounges.
Frequently Asked Questions about DBS Vantage Visa Credit Card
Is DBS Vantage Visa Credit Card invite-only or can anyone apply online?
DBS Vantage Visa Credit Card is an invite-only super-premium credit card. You cannot apply like a regular card. Existing and potential DBS Treasures / Treasures Elite customers can express interest online, after which DBS Bank assesses eligibility based on relationship value, credit profile and internal criteria.
What is the annual fee for DBS Vantage Visa Credit Card and can it be waived?
The annual fee depends on your DBS relationship segment: typically ₹10,000 for DBS Elite, ₹20,000 for DBS Treasures and ₹50,000 for other eligible customers. The annual fee can be waived if you spend at least ₹10,00,000 in a card anniversary year, subject to DBS Vantage fee waiver terms.
How does the 0% forex markup benefit on DBS Vantage work for Singapore spends?
When you use DBS Vantage for eligible card transactions in Singapore denominated in SGD, DBS Bank does not charge the usual forex markup fee, effectively giving you 0% forex markup in Singapore. For other foreign currencies, a preferential 1.75% forex markup applies, which is lower than the typical ~3.5% charged on many Indian credit cards.
What rewards do I earn on domestic and international spends with DBS Vantage?
You earn 4 Vantage Points per ₹200 spent on eligible domestic transactions in India and 8 Vantage Points per ₹200 on eligible international transactions. Since 1 Vantage Point is generally equivalent to ₹1 on many DBS Delights redemptions, this works out to roughly 2% reward value on domestic spends and 4% on international spends, before factoring in milestone bonuses and duty-free cashback.
Does DBS Vantage Visa Credit Card offer complimentary airport lounge access?
Yes. DBS Vantage provides unlimited complimentary access to select domestic and international airport lounges for the primary cardholder through its partner lounge programs. Exact lounge list, access method and guest policies are defined by DBS and may change from time to time, so it is advisable to check the latest lounge list and T&Cs before travel.
What hotel benefits and memberships are available with DBS Vantage?
As a DBS Vantage cardholder, you can choose one complimentary luxury hotel membership from Taj Epicure, ITC Culinaire or Club Marriott. These memberships typically include dining discounts, stay benefits, room upgrades and special offers at participating hotels in the respective chains, making the card highly attractive for premium travellers and frequent diners.
Who should consider getting the DBS Vantage Visa Credit Card?
DBS Vantage is best suited for high-income individuals and HNIs who travel internationally multiple times a year, especially to Singapore, and who value unlimited lounge access, luxury hotel memberships, duty-free cashback and milestone-based Vantage Points. If you can comfortably spend ₹10,00,000 or more per year on the card and maintain a strong DBS banking relationship, the rewards and travel benefits can justify the high annual fee.
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