Bajaj Finserv DBS 5X SuperCard
CancelThe entry SuperCard: 1% once you spend ₹10,000 a month, and no door anywhere.
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: 2,000 Cash Points (₹400) on the first transaction within 60 days of card issuance
Priced on the everyday mix — 30% groceries · 10% utilities · 20% travel · 6% fuel · 34% everything else — with this card's published category rules applied. 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 ₹10,000 a month
At ₹10,000 a month — ₹1,20,000 a year — on the everyday mix this card returns ₹1,200 gross (earn ₹1,200) against its ₹499 fee = ₹700 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.
2 notes on the card itself: how it is issued · why it ranks #838
Why #838 Ranked at the foot of the board because nobody can hold it much longer: DBS closed issuance in November 2024 and is migrating every remaining holder to a SuperX from 1 August 2026. Carried so the people being migrated can see what they are losing.
DBS caps a Cash Point at ₹0.20 and the ceiling is the floor — the house value is flat because DBS's own published welcome and milestone figures solve to exactly ₹0.20 every time. Cash Points redeem on dbsdelights.in against flights, hotels, shopping, dining and vouchers; they reach no airline or hotel PROGRAMME, at any ratio, so the flight redemption is a discount on a cash fare and never an award seat.
The take
The cheapest rung of a card family DBS has already shut. New issuance stopped in November 2024, and from 1 August 2026 DBS migrates every remaining holder onto a SuperX or SuperX Plus — a card the bank has published a fee for and almost nothing else. What the 5X Rewards SuperCard did was simple and, for ₹499, reasonable: 2 Cash Points per ₹200 as a base, multiplied five times over the whole month whenever you crossed ₹10,000 of spend, which is 1% back at DBS's own ₹0.20 a point. Spend inside DBS Delights and it went to 10X, or 2%. The welcome was 2,000 Cash Points — ₹400 — on a first transaction inside 60 days. What it never had was a travel benefit of any kind: no lounge visit at this rung, no fuel surcharge waiver where the ₹999 sibling got ₹100 a cycle, and a flat 3.5% abroad. The interest band is 42–48% a year, and DBS charges 1% or ₹199 on rent, on utilities past ₹20,000 a cycle and on fuel past ₹15,000 a transaction. Hold it until DBS takes it away, then read the SuperX file — which is, honestly, mostly a list of charges, because that is all DBS has published about the successor.
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
₹499/yr at stake · 5 spend bands
The charge ₹499/yr
Break-even ₹10,000 a month — ₹1,20,000 a year — is where this card's value crosses its fee.
At your spend
₹2,500 a year, net of the fee, at ₹3,00,000 of annual spend
₹5,500 a year, net of the fee, at ₹6,00,000 of annual spend
₹11,500 a year, net of the fee, at ₹12,00,000 of annual spend
₹35,500 a year, net of the fee, at ₹36,00,000 of annual spend
₹59,500 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
- 5X Cash Points on the whole month's spend once you cross ₹10,000 — 1.0% at DBS's ₹0.20 a point
- 10X Cash Points on DBS Delights purchases — 2.0%
- 2,000 Cash Points (₹400) on a first transaction within 60 days
- Cash Points equivalent to a 20% discount on OTT subscriptions, capped at 1,000 points a year
- 5% cashback on loan down payments at Bajaj Finance network stores and the EMI marketplace
- Interest-free cash withdrawal for up to 50 days, at 2.5% or ₹500 whichever is greater
Watch out
- Discontinued — no new cards since 23 November 2024, and every holder is migrated to a SuperX from 1 August 2026
- NO lounge access at this rung; the ₹999 sibling one step up gets one domestic visit a quarter
- No fuel surcharge waiver on this variant — the MITC's ₹100/₹150/₹200 band starts one rung above
- 3.5% forex, the Indian norm, with no discount at any spend level
- Cash Points cap at ₹0.20 and reach no airline or hotel programme — Delights is the whole universe
- 5X bonus is capped at 3,000 additional Cash Points a month (₹600) — that binds around ₹75,000 of eligible spend; past it the board still prices the uncapped 5X
- 1% or ₹199 on rent, on utilities past ₹20,000 a cycle and on fuel past ₹15,000 a transaction
What these points actually fly
No live transfer route takes DBS Cash 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 →
Lounge access
0 of 793 tracked doors
No lounge access. This card opens exactly 0 of 793 tracked lounge doors — board with the crowd, or find a card that doesn't →
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.
Closed to new applications — existing cardholders keep the card; there is no way in.
You cannot. DBS's product page states that "Issuance of new Bajaj Finserv DBS Bank SuperCards has been discontinued since 23rd Nov.'2024" and points prospective applicants at pre-approved offers for other DBS cards instead. Existing holders are being migrated to a SuperX or SuperX Plus from 1 August 2026, with notice by email and SMS.
DBS Bank India publishes no income or age cutoffs for this card. Blank means blank — we don't invent numbers to fill a grid.
no MITC row researched for this card yet · filter the board by what you can get →
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 — 3 of them, each with the day we read it
- official DBS SuperCard product page — the six-variant comparison, the 2 Cash Points per ₹200 base, the monthly multiplier gates and both closure notices
- official DBS SuperCard 5X product-benefit T&C — 5X on all eligible spend once ₹10,000 is crossed, bonus capped at 3,000 CP/month
- official DBS consolidated MITC — the ₹499 joining and ₹499 annual, no spend waiver, 3.5% forex, the 42–48% interest band and the August-2026 discontinuation footnote