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DhanChakshu
Aapke Paise Ke Liye Sahi Nazar
Research coverage — 11/16 categories
DBS Bank

DBS Altitude Credit Card

Best forTravel & Groceries
Earns5 Vantage Points/₹100 on travel
1st Year / Joining Fee
₹4,999 + taxes
Renewal Fee
Not recorded
Fee waiver
Not recorded
Network
Not recorded

Why this card may suit you

Based on the card's verified terms.

  • Best suited to spending on travel and groceries, where it earns 5 Vantage Points/₹100

How you earn

Reward rates at a glance — exactly as recorded for this card.

Travel5 Vantage Points/₹100
Groceries2 Vantage Points/₹100
Dining2 Vantage Points/₹100
Food Delivery2 Vantage Points/₹100
Shopping2 Vantage Points/₹100
All 16 reward categories · 11 of 16 categories verified
CategoryRateCapCondition
RentNo reward——
Details
Status
Verified — no reward
Issuer note
Rent MCC 6513 excluded from rewards + 1% or ₹199 processing fee + 18% GST
EducationNo reward——
Details
Status
Verified — no reward
Issuer note
Education MCCs 8211/8220 etc. excluded from rewards + 1% or ₹199 processing fee + 18% GST on 3rd party apps
Insurance——Research pending
Details
Status
Research pending
Issuer note
Insurance MCC accrual not affirmatively documented; protected at ₹0 contribution
Utilities——Research pending
Details
Status
Research pending
Issuer note
Utility MCC 4900 accrual not confirmed for Altitude; protected at ₹0
FuelNo reward——
Details
Status
Verified — no reward
Issuer note
Fuel transactions excluded from rewards; fuel surcharge waiver explicitly NOT APPLICABLE
Groceries2 Vantage Points/₹100—Verified reward earn schedule on Groceries
Details
Status
Verified
Source
DBS-SRC-005
Issuer note
Verified reward earn schedule on Groceries
Dining2 Vantage Points/₹100—Verified reward earn schedule on Dining
Details
Status
Verified
Source
DBS-SRC-005
Issuer note
Verified reward earn schedule on Dining
Food Delivery2 Vantage Points/₹100—Verified reward earn schedule on Food Delivery
Details
Status
Verified
Source
DBS-SRC-005
Issuer note
Verified reward earn schedule on Food Delivery
Shopping2 Vantage Points/₹100—Verified reward earn schedule on Shopping
Details
Status
Verified
Source
DBS-SRC-005
Issuer note
Verified reward earn schedule on Shopping
Travel5 Vantage Points/₹10010,000 VP per monthVerified reward earn schedule on Travel
Details
Status
Verified
Source
DBS-SRC-005
Issuer note
Verified reward earn schedule on Travel
GovernmentNo reward——
Details
Status
Verified — no reward
Issuer note
Government and tax MCCs 9311/9399 excluded from rewards
WalletNo reward——
Details
Status
Verified — no reward
Issuer note
Wallet reload MCC 6540 excluded from rewards + 1% fee on loads >= ₹5,000
Railways——Research pending
Details
Status
Research pending
Issuer note
Passenger Railways MCC 4112 1% fee over ₹20k; points unconfirmed; protected at ₹0
FASTag——Research pending
Details
Status
Research pending
Issuer note
Tolls MCC 4784 1% fee over ₹20k; points unconfirmed; protected at ₹0
JewelleryNot a good fit—Jewellery purchases (MCC 5094, 5944) explicitly excluded from reward point accrual per DBS Bank India credit card reward terms
Details
Status
Verified — not a good fit for this category
Issuer note
Jewellery purchases (MCC 5094, 5944) explicitly excluded from reward point accrual per DBS Bank India credit card reward terms.
Telecom——Research pending
Details
Status
Research pending
Issuer note
Telecom MCC accrual not confirmed for Altitude; protected at ₹0

“—” means not established. “Research pending” is not zero: it means DhanChakshu has not finished verifying that category, so it is not counted.

Cost & caps

What it costs to hold, and where rewards stop.

1st Year / Joining Fee
₹4,999 + taxes
Renewal Fee
Not recorded
Fee waiver
Not recorded
Reward caps
  • Travel — 10,000 VP / month (per category — Travel)

Key benefits

Rewards
5 Vantage Points/₹100 on travel
Lounge access
8 domestic + 4 intl lounge visits/yr

Important to know

Limits and exclusions that change what you earn.

  • Travel rewards are capped at 10,000 VP / month (per category — Travel)
  • No reward on: Rent, Education, Fuel, Government +1 more
  • Not recommended for: Jewellery
  • Research pending: Insurance, Utilities, Railways, FASTag +1 more — not counted

Who should consider this card

✓ Good fit if
  • Your spending is concentrated in travel, groceries, dining
△ Less useful if
  • Much of your spending is in rent, education, fuel, which earn nothing
  • You do not want to pay an annual fee
Compare with another card →Read card guides →

Full details

Everything else, expanded on demand.

Caps & exclusions · 1 caps · 6 no-reward categories
Caps
  • Travel — 10,000 VP / month (per category — Travel)
Categories with no reward or not eligible
  • Rent — No reward.
  • Education — No reward.
  • Fuel — No reward.
  • Government — No reward.
  • Wallet — No reward.
  • Jewellery — Not a good fit. Jewellery purchases (MCC 5094, 5944) explicitly excluded from reward point accrual per DBS Bank India credit card reward terms.
Milestones · none recorded

No milestone benefit is recorded for this card.

Eligibility

Subject to DBS Bank's underwriting and eligibility criteria. See the issuer's terms for current requirements.

Specifications
  • Payment network: Not recorded
  • Airport lounge: 8 domestic + 4 intl lounge visits/yr
  • Fuel surcharge waiver: fuel surcharge waiver NOT applicable
  • Foreign-currency markup: Not recorded by DhanChakshu — check the issuer terms
What DhanChakshu couldn't fully verify · 7 areas

7 areas need further verification. None of these are counted as zero.

  • • Insurance — research pending
  • • Utilities — research pending
  • • Railways — research pending
  • • FASTag — research pending
  • • Telecom — research pending
  • • Foreign-currency markup — not recorded; check the issuer terms
  • • Payment network — not recorded

Sources & verification

Verification & sources · last checked 2026-09-27

Verification coverage: 11 of 16 categories verified · 5 still being verified

Card record last checked: 2026-09-27

Documents used
DBS-SRC-005 · DBS-SRC-005
DBS-SRC-006 · DBS-SRC-006
DBS Altitude Credit Card₹4,999 1st year