Research coverage — 14/16 categories
DBS Bank
DBS Vantage Card
Best forTravel & Insurance
Earns10 Vantage Points/₹100 on travel
1st Year / Joining Fee
₹20,000 + taxes
Renewal Fee
Not recorded
Fee waiver
₹10,00,000
annual spend
Network
Not recorded
DBS Bank
DBS Vantage Card
Why this card may suit you
Based on the card's verified terms.
- Best suited to spending on travel and insurance, where it earns 10 Vantage Points/₹100
- Annual fee is waived at ₹10,00,000 yearly spend
How you earn
Reward rates at a glance — exactly as recorded for this card.
Travel10 Vantage Points/₹100
Insurance2 Vantage Points/₹100
Utilities2 Vantage Points/₹100
Groceries2 Vantage Points/₹100
Dining2 Vantage Points/₹100
All 16 reward categories · 14 of 16 categories verified
| Category | Rate | Cap | Condition |
|---|---|---|---|
| Rent | No reward | — | —Details
|
| Education | No reward | — | —Details
|
| Insurance | 2 Vantage Points/₹100 | 2,000 VP per month | Base 4 VP/₹200 on Insurance (MCC 6300), capped at 2,000 VP/calendar monthDetails
|
| Utilities | 2 Vantage Points/₹100 | 1,200 VP per month | Base 4 VP/₹200 on Utilities (MCC 4900)Details
|
| Fuel | No reward | — | —Details
|
| Groceries | 2 Vantage Points/₹100 | 1,200 VP per month | Verified reward earn schedule on GroceriesDetails
|
| Dining | 2 Vantage Points/₹100 | — | Verified reward earn schedule on DiningDetails
|
| Food Delivery | 2 Vantage Points/₹100 | — | Verified reward earn schedule on Food DeliveryDetails
|
| Shopping | 2 Vantage Points/₹100 | — | Verified reward earn schedule on ShoppingDetails
|
| Travel | 10 Vantage Points/₹100 | 15,000 VP per month | Verified reward earn schedule on TravelDetails
|
| Government | No reward | — | —Details
|
| Wallet | No reward | — | —Details
|
| Railways | — | — | Research pendingDetails
|
| FASTag | — | — | Research pendingDetails
|
| Jewellery | Not a good fit | — | Jewellery purchases (MCC 5094, 5944) explicitly excluded from reward point accrual per DBS Bank India credit card reward termsDetails
|
| Telecom | 2 Vantage Points/₹100 | 1,200 VP per month | Base 4 VP/₹200 on TelecomDetails
|
“—” 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
₹20,000 + taxes
Renewal Fee
Not recorded
Fee waiver
₹10,00,000
annual spend
Reward caps
- Travel — 15,000 VP / month (per category — Travel)
- Insurance — 2,000 VP / month (per category — Insurance)
- Multiple — 1,200 VP / month (shared cap — Multiple)
Spending thresholds
- Spend ₹5,00,000 per quarter → 10,000 bonus Vantage Points on ₹5,00,000 quarterly spend (worth ₹10,000 at ₹1.00/VP, annual cap 40,000 VP)
Key benefits
Rewards
10 Vantage Points/₹100 on travel
Lounge access
unlimited domestic/intl lounge access
Fuel surcharge waiver
fuel waiver 1% on ₹1k-₹6k
Milestone benefit
10,000 bonus Vantage Points on ₹5,00,000 quarterly spend (worth ₹10,000 at ₹1.00/VP, annual cap 40,000 VP)
Fee waiver
Annual fee waived on ₹10,00,000 annual spend
Important to know
Limits and exclusions that change what you earn.
- Travel rewards are capped at 15,000 VP / month (per category — Travel)
- Insurance rewards are capped at 2,000 VP / month (per category — Insurance)
- No reward on: Rent, Education, Fuel, Government +1 more
- Not recommended for: Jewellery
- Spend ₹5,00,000 per quarter → 10,000 bonus Vantage Points on ₹5,00,000 quarterly spend (worth ₹10,000 at ₹1.00/VP, annual cap 40,000 VP)
- Research pending: Railways, FASTag — not counted
Who should consider this card
✓ Good fit if
- Your spending is concentrated in travel, insurance, utilities
- You can reach the ₹10,00,000 annual spend that waives the fee
△ Less useful if
- Much of your spending is in rent, education, fuel, which earn nothing
- You cannot reach the fee-waiver spend and would pay the annual fee
Full details
Everything else, expanded on demand.
Caps & exclusions · 3 caps · 6 no-reward categories
Caps
- Travel — 15,000 VP / month (per category — Travel)
- Insurance — 2,000 VP / month (per category — Insurance)
- Multiple — 1,200 VP / month (shared cap — Multiple)
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 · 1 recorded
- Spend ₹5,00,000 per quarter → benefit worth ₹10,000 — 10,000 bonus Vantage Points on ₹5,00,000 quarterly spend (worth ₹10,000 at ₹1.00/VP, annual cap 40,000 VP).
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: unlimited domestic/intl lounge access
- Fuel surcharge waiver: fuel waiver 1% on ₹1k-₹6k
- Foreign-currency markup: Not recorded by DhanChakshu — check the issuer terms
What DhanChakshu couldn't fully verify · 4 areas
4 areas need further verification. None of these are counted as zero.
- • Railways — research pending
- • FASTag — 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: 14 of 16 categories verified · 2 still being verified
Card record last checked: 2026-09-27
Documents used
DBS-SRC-004 · DBS-SRC-004
DBS-SRC-006 · DBS-SRC-006