DBS Altitude
Keep0% forex across Asia for ₹4,999 — and a fee that pays itself back in points.
a year at ₹40,000 a month, after the fee
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Welcome: 4,999 Vantage Points (₹4,999) on your first transaction within 30 days of card setup, once the joining fee is levied
Priced on the everyday mix — 30% groceries · 10% utilities · 20% travel · 6% fuel · 34% everything else — with this card's published category rules applied: it earns nothing on fuel here, so that spend is dropped, not paid at the headline, and stops pacing milestones and the waiver. Plus milestones, minus the fee. No accelerator credit — the ranking model on /compare adds ~20% of spend at the card's best accelerator, so its ₹ for this card reads higher.
How these numbers are computed — and why the rankings show a bigger one →
Spend tiers, milestones and fee waivers included, at our house ₹/point. Portal and category multipliers can push higher — run your exact number →
Pays for itself at ₹23,000 a month
At ₹23,000 a month — ₹2,76,000 a year — on the everyday mix this card returns ₹5,200 gross (earn ₹5,200) against its ₹4,999 fee = ₹200 net — the first rung at or above ₹0. The ladder runs in ₹1,000 steps to ₹1,00,000 a month and ₹10,000 steps to ₹5,00,000; figures are rounded to the hundred, and the accelerator is never credited.
3 notes on the card itself: how it is issued · the network variants · why it ranks #26
Why #26 This is the DBS card the desk should have been ranking. Altitude runs exactly the same closed ₹1 Vantage Point as the ₹20,000 DBS Vantage, and hands 4,999 points back every time you pay the annual fee — so after year one the card is very close to free. It sits far above its metal sibling because 0% forex across Asia, twelve lounge visits and 5% on Delights travel cost a quarter as much here. It sits below the flat-rate cards above it because 2% is 2%, nothing you spend abroad earns a single point, and those points transfer nowhere.
Denied or downgraded? The head-to-heads: HSBC TravelOne, DBS Vantage, Bajaj Finserv DBS 10X Plus SuperCard.
The take
Altitude is what DBS Vantage's economics look like at a quarter of the price, and it is the better card by a distance. The engine is identical — 4 Vantage Points per ₹200 in India, 1 point = ₹1 flat on the DBS Delights portal — but the door charge is ₹4,999 instead of ₹20,000, and DBS credits 4,999 bonus points every time that annual fee is levied, so from year two the fee is essentially a rebate with GST attached. Then the travel bit: **0% forex markup anywhere in Asia and 1% everywhere else**, the only split-rate forex card on the board and both halves far under the 3.5% norm. Bangkok, Singapore, Dubai, Tokyo — you pay the interbank rate. Add 5% back on flights and hotels booked through Delights and twelve lounge visits a year, and the ₹4,999 is doing serious work. What it cannot do is fly you in front: Vantage Points transfer to nothing, so ₹1 is both the floor and the ceiling, and spends abroad earn zero points — the forex saving is the whole overseas proposition. Take it as a travel *payment* card, not a miles engine. Invite-only.
Your renewal — keep, downgrade or cancel
Here is the fee, the spend that clears it, and everything that has moved under this card since you last decided.
Keep, downgrade or cancel
₹4,999/yr at stake · 5 spend bands
The charge ₹4,999/yr
Break-even ₹23,000 a month — ₹2,76,000 a year — is where this card's value crosses its fee.
At your spend
₹600 a year, net of the fee, at ₹3,00,000 of annual spend
₹6,300 a year, net of the fee, at ₹6,00,000 of annual spend
₹17,600 a year, net of the fee, at ₹12,00,000 of annual spend
₹62,700 a year, net of the fee, at ₹36,00,000 of annual spend
₹1,07,800 a year, net of the fee, at ₹60,00,000 of annual spend
Everyday earn plus milestones, minus the fee — the same model as the value panel above, so the two cannot disagree. run your exact spend →
Your copy of this card
You hold this card.
Kept on this device, in your browser. It is never sent to us, never synced, and nothing else on the site reads it yet.
The downgrade
DBS Bank India publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and the numbers above are the whole of it.
What has changed under this card
- 1 Aug 2026 The Bajaj Finserv DBS SuperCard is discontinued — holders reissued a SuperX or SuperX Plus issuer-wide
We price what is in force today — a change that has not happened yet is not in these numbers. the full archive for this card →
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- 0% forex markup across Asia, 1% everywhere else — the only split-rate forex card in the catalogue
- 4,999 bonus Vantage Points every time the ₹4,999 annual fee is levied — the renewal roughly funds itself
- 5% back on flights and hotels via DBS Delights (10 VP/₹200, capped 10,000 points a month)
- 8 domestic + 4 international lounge visits a year via LoungeKey, no extra card needed
- Cancel For Any Reason cover on Delights bookings — ₹1,00,000 a year international, ₹10,000 domestic
Watch out
- Vantage Points transfer to no airline or hotel — ₹1 a point on DBS Delights is the ceiling
- International spends earn nothing: DBS's own benefit T&Cs list them under 'No Vantage Points', while an earlier table on the same page says otherwise — assume zero until DBS reconciles it
- Lounges are spend-gated: 2 domestic + 1 international a quarter, only after ₹75,000 of spend in the PREVIOUS calendar quarter
- Fuel, rent, wallet loads, third-party education and duty-free earn zero; insurance caps at 2,000 points a month, grocery/utility/telecom at 1,200
- Invite-only, ₹99 per redemption request, and points expire 2 years from accrual
What these points actually fly
No live transfer route takes DBS Vantage Points into a programme that publishes an award chart. These points buy catalogue and portal redemptions, not award seats — so this page has no flight to show you, and will not invent one.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
What earns, what doesn't
10 sourced rules · 6 pay zero
Base 4 Vantage Points per ₹200 (2 VP/₹100) within India, 1 VP = ₹1 on DBS Delights, non-transferable. 10 VP/₹200 on Delights flight and hotel bookings, capped 10,000 VP a calendar month. DBS calls its MCC list "indicative and not exhaustive", so it is NOT a closed list — categories it does not name are left unanswered here rather than relaxed to full earn.
- Fuel · excluded MCC 5983, 5542, 5541, 5172 earn no Vantage Points — 1% surcharge waiver instead on transactions of ₹1,000–₹6,000, capped ₹200 a billing cycle
- Wallet loads · excluded MCC 6540 on the published no-points table
- Rent & property management · excluded MCC 6513 earns nothing, and rent also carries a 1% transaction fee (or ₹199 whichever is higher)
- Utilities (electricity/water/gas) · capped MCC 4814, 4816, 4899, 4900 share ONE 1,200 Vantage Points a month ceiling with telecom (≈₹60,000 of combined spend)
per DBS Bank India T&C · rank every card by spend category →
Lounge access
728 of 793 tracked doors
Gate: ₹75,000 of spend in the PREVIOUS calendar quarter; access enabled 3–5 working days after the billing date
Opens 728 of 793 tracked lounge doors across 291 airports , via Priority Pass India, Priority Pass Global — see the full map →
Can you get it?
the route in — no cutoffs published
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Invite-only — there is no public application form. The bank calls you.
DBS's own FAQ closes the door politely: "The DBS Altitude Credit Card is an invite-only credit card." There is an Apply Now button on the product page, but the reliable route is a DBS banking relationship — Treasures customers are not charged the ₹4,999 joining fee at all, and anyone holding a Total Relationship Value of ₹30,00,000 or more in the month before the annual fee is levied has that fee waived outright. Below that, the fee is real and there is no spend-based waiver: the MITC's minimum-spend column is blank for Altitude, unlike every Spark variant beside it.
DBS Bank India publishes no income or age cutoffs for this card. Blank means blank — we don't invent numbers to fill a grid.
per the official DBS Bank India MITC — figures marked (community) aren't in the PDF; the issuer won't say · filter the board by what you can get →
The fine print
5 of 7 MITC rows published
What the MITC actually says — the rates, fees and cutoffs the brochure skips.
Invite-only Visa. KFS fee table: joining ₹4,999 for any non-Treasures customer and NIL for DBS Treasures customers, annual ₹4,999 from the second year onwards, GST 18% on top. The consolidated MITC leaves Altitude's minimum-spend waiver column blank — there is no spend-based waiver — but the Product Benefit T&Cs waive the annual fee at a Total Relationship Value of ₹30,00,000 held one month before levy, and credit 4,999 bonus Vantage Points whenever that fee is actually levied. Earn 4 VP per ₹200 within India (1 VP = ₹1 on DBS Delights), 10 VP per ₹200 on Delights flight and hotel bookings capped at 10,000 VP a calendar month. No points on fuel, wallet loads, rent (MCC 6513), third-party education, duty-free, EMI-converted transactions, cash advances or fees; insurance capped 2,000 VP a month and grocery/utility/telecom 1,200 VP a month. The exclusion table also lists "International Spends · All MCC codes · No Vantage Points" while the earning row above it is headed "Domestic & International Purchases" — the product page's "spent within India" and the exclusion table agree against that one row, which is Vantage boilerplate (the same document says "your DBS Vantage Card spends"). Lounges: 2 domestic + 1 international a calendar quarter (8 + 4 a year) via LoungeKey, gated on ₹75,000 of spend in the PREVIOUS calendar quarter, primary cardholder only, guests billed to the primary. Fuel surcharge 1% waived on transactions of ₹1,000–₹6,000, capped ₹200 a billing cycle. Rent 1% or ₹199 whichever is higher; Altitude and Vantage are both exempt from the 1% railway-travel fee that hits other DBS cards from 1 Apr 2026. Vantage Points expire 2 years from accrual. Card replacement ₹200, physical statement ₹100, returned payment ₹500, Split-and-Pay 2% (min ₹249), EMI foreclosure 3%.
per the official DBS Bank India MITC · reviewed 10 Jul 2026
What's changed for this card
1 dated change
Devaluations and buffs that touch this card directly, its issuer, or the points and programs it earns and transfers to. Every one is dated here; the tracker carries each one's before → after and the write-up.
- 1 Aug 2026The Bajaj Finserv DBS SuperCard is discontinued — holders reissued a SuperX or SuperX PlusBajaj Finserv DBS Bank SuperCard, a co-brand with Bajaj Finance Limited sold in six variants — 5X Rewards ₹499, 5X Plus Rewards ₹999, 7X Rewards ₹1,499, 7X Plus Rewards ₹1,999, 10X Signature ₹2,999 and 10X Plus Signature ₹4,999, each joining fee matching its annual fee → Discontinued with effect from 1 August 2026. Cardholders are issued a DBS SuperX Credit Card (₹1,499 annual) or DBS SuperX Plus Credit Card (₹2,999 annual) by DBS Bank — both with the joining-fee column marked NA — with communication by email and SMS
DBS and Bajaj Finance have unwound their co-brand, and the notice is buried where almost nobody reads it — a footnote in DBS's consolidated MITC fee table, verbatim: the SuperCard 'will be discontinued with effect from 1st August 2026, and the cardholders will be issued a DBS SuperX Credit Card or DBS SuperX Plus Credit Card by DBS Bank.' Two weeks after that date, dbs.bank.in was still selling the SuperCard with a full six-variant table and an Apply CTA, which is the part a reader can actually get burnt by. What replaces it is thinner on paper: SuperX at ₹1,499 a year and SuperX Plus at ₹2,999, both with the joining-fee column marked NA, both sitting in the 3.5% forex band and the 48%-APR tier — none of the 0% Asia forex or lounge quota that Vantage and Altitude get. DBS has published no SuperX product page at all, so beyond the fee, interest and charge rows in the MITC there is nothing to read before the card lands in your hand.
Verified against DBS Bank India's own documents on · the net-annual-value engine, at our house ₹/point
Every document behind this page — 4 of them, each with the day we read it
- official Product page — 4 Vantage Points per ₹200 within India, 10 per ₹200 on DBS Delights flights and hotels (capped 10,000 a month), 0% Asia / 1% other forex, 12 lounge visits, invite-only
- official Product Benefit T&Cs — joining and annual fee ₹4,999, annual fee waived at ₹30,00,000 TRV, 4,999 bonus points on paying it, 2 domestic + 1 international lounge visits a quarter via LoungeKey
- 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
- official Consolidated MITC §A(i) — DBS Altitude joining ₹4,999, annual ₹4,999, minimum-spend waiver column blank; forex table prints "0% in Asia & 1% on transactions across all other countries"