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DBS Bank India credit cards: 3 you can apply for

The best one for most people is DBS Spark 20 Credit Card.

₹12,500a year after fees, at ₹75,000 a month

DBS Spark 20 Credit Card

₹12,500 a year, after fees

₹1,499 fee · Lounges in India · Reward rate 0.2%–4%

Keep

It pays back the most of the 3 DBS Bank India cards open to apply that we can value.

Rank all 3 at your own spend in the card finder

Verified 3 sources

Points and where they go

DBS Bank India's main points currency is DBS Cash Points, worth ₹0.20 a point; it does not transfer to an airline or hotel. Its cards earn 2 kinds of points in all.

What DBS Bank India cards earn
ProgrammeWorth a pointCardsPartners
DBS Cash Points₹0.209none
DBS Vantage Points₹1.002none

Values are what we think a point is worth in India.

Recent changes

All 13 DBS Bank India cards

Fees run ₹499 to ₹20,000. We cannot value 2 of them: DBS Bank India publishes no earn table for those cards, so they are listed as "Not valued". Each card shows what it pays back a year after its fee at ₹75,000 a month, and our verdict: 4 keep, 3 downgrade, 6 cancel.

Open to apply 3

  1. DBS Spark 20 Credit Card

    ₹12,500 a year, after fees

    ₹1,499 fee · Lounges in India · Reward rate 0.2%–4%

    Keep

  2. DBS Spark 10 Credit Card

    ₹11,300 a year, after fees

    ₹999 fee · Lounges in India · Reward rate 0.2%–2%

    Keep

  3. DBS Spark 5 Credit Card

    ₹10,500 a year, after fees

    ₹499 fee · Lounges in India · Reward rate 0.2%–1%

    Keep

Invite only 4

  1. DBS Altitude credit card

    DBS Altitude

    ₹11,900 a year, after fees

    ₹4,999 fee · Lounges in India and abroad · 1% forex markup · Reward rate 2%–5%

    Keep Invite only

  2. DBS Vantage credit card

    DBS Vantage

    −₹3,100 a year, after fees

    ₹20,000 fee · Lounges in India and abroad · No forex markup · Reward rate 2%–10%

    Ranked higher: its bonus category adds ₹3,600 a year

    Downgrade Invite only

  3. DBS SuperX

    Not valued fee or rewards not published

    ₹1,499 fee

    Downgrade Invite only

  4. DBS SuperX Plus

    Not valued fee or rewards not published

    ₹2,999 fee

    Downgrade Invite only

Closed or paused 6 cards

  2. Bajaj Finserv DBS 10X Plus SuperCard

    ₹13,000 a year, after fees

    ₹4,999 fee · Lounges in India and abroad · Reward rate 0.2%–4%

    Cancel Closed

  3. Bajaj Finserv DBS 7X SuperCard

    ₹11,100 a year, after fees

    ₹1,499 fee · Lounges in India · Reward rate 0.2%–3%

    Cancel Closed

  4. Bajaj Finserv DBS 7X Plus SuperCard

    ₹10,600 a year, after fees

    ₹1,999 fee · Lounges in India · Reward rate 0.2%–3%

    Cancel Closed

  5. Bajaj Finserv DBS 5X SuperCard

    ₹8,500 a year, after fees

    ₹499 fee · Reward rate 0.2%–2%

    Cancel Closed

  6. Bajaj Finserv DBS 5X Plus SuperCard

    ₹8,000 a year, after fees

    ₹999 fee · Lounges in India · Reward rate 0.2%–2%

    Cancel Closed

Filter DBS Bank India cards by fee, lounges or forex

DBS Bank India in RBI's figures

Cards in force
3,30,605
0.3% of India's cards
Spent in August 2026
₹325 crore
53% of it online
Spend per card
₹9,823
a month, on average

Source: the Reserve Bank of India's monthly card statistics, August 2026. Every bank's figures

Sources

The DBS Bank India documents that state its fees and charges, and RBI's release. Each card's page lists its own sources too.

  1. Official Consolidated MITC PDF §A(i) — joining ₹20,000, annual ₹20,000, waiver column blank (no spend waiver); forex table — "DBS Vantage Card, 0% on all overseas transactions" read
  2. Official Key Fact Statement — joining ₹4,999 (nil for DBS Treasures), annual ₹4,999 from year 2, forex "0% across Asia & 1% across other countries", ₹99 per redemption request read
  3. Official Reserve Bank of India: ATM, Acceptance Infrastructure and Card Statistics for the Month of August 2026 read