DBS Bank Vantage Credit Card
DBS Bank India · Visa
Why this card?
- 10% back in reward points on travel at Dbsdelights, up to ₹15,000 a month; 2% on other spends
- ₹20,000 joining and annual fee
- Unlimited domestic and international airport lounge access
- Zero forex markup and 1% fuel surcharge waiver
Card details
- Issuer
- DBS Bank India
- Network
- Visa
- Annual Fee
- ₹20,000
- Joining Fee
- ₹20,000
- Reward Type
- points
- Best Reward Rate
- 10% on travel at dbsdelights (capped at ₹15000/month)
- Forex Markup
- Zero
- Domestic Lounge
- Unlimited
- Min. Monthly Income
- ₹1,00,000
- Rates verified
- 2026-10-06
Our verdict
DBS Vantage is DBS Bank India's invite-only flagship premium card. Its strongest attribute is the 0% forex markup, which beats most premium Indian cards, alongside unlimited domestic and international lounge access for the primary cardholder. For DBS Treasures customers who travel often, the card delivers solid value, but the ₹20,000 annual fee is steep.
Pros
- 0% forex markup — excellent for international spends
- Unlimited domestic and international lounge access for the primary cardholder
- Up to 10% back on flight and hotel bookings via DBS Delights (capped at 15,000 points a month)
- About 2% back as points on domestic spends
Cons
- DBS has limited India branch and ATM network
- ₹20,000 joining and annual fee with no spend-based waiver is high
- International spends earn no points, and grocery and utility rewards are capped
- DBS rewards less established than HDFC SmartBuy or Axis eDGE