DBS Vantage Card

DBS Bank India · Invite only

DBS's invite-only metal card: 4 Vantage Points (₹4) per ₹200 on domestic spends, 0% forex markup abroad (where no points are earned), unlimited airport lounges worldwide and 10,000 bonus points on ₹5 lakh a quarter. ₹20,000 a year, waived on a ₹2 crore relationship.

Annual fee
₹20,000 + GST a year
Joining fee
₹20,000 + GST
Base rate
Domestic spends, 4 Vantage Points per ₹200: 4 Vantage Points per ₹200 (about 2% at cash value)
Lounges
Domestic: unlimited visits a calendar year; International: unlimited visits a calendar year
Forex markup
0%
Data
From bank documents, checked 6 Nov 2026

Main earn rates

  • Flights and hotels booked on DBS Delights, 5X (20 Vantage Points per ₹200): 20 Vantage Points per ₹200 (about 10% at cash value)

Earns nothing on

  • No points on international spends (from 10 July 2026)
  • No points on fuel, wallet loads, rent, education, EMI and cash

Where the sources disagree

  • annual fee: DBS's Schedule of Charges labelled April 2026 still gives ₹50,000 (₹10,000 for Elite, ₹20,000 for Treasures) waived at ₹10 lakh and 0%/1.75% forex. It predates the revision of 10 July 2026; the MITC of 9 Oct 2026, the KFS and the revised product terms give ₹20,000 and 0%.

Terms the calculator does not value

  • 10% cashback at airport duty-free stores, up to ₹1,500 a month, has no spend category; those spends earn no Vantage Points.
  • Until 9 July 2026 the card cost ₹50,000 (₹10,000 for DBS Elite and ₹20,000 for Treasures customers), was waived on ₹10 lakh of yearly spend, and came with one Taj Epicure or ITC Culinaire membership each year and 4 golf sessions a calendar year. The fee schema has no dates, so only today's fee is entered; the change is recorded under changes.
  • Bonus milestone points are capped at 40,000 a calendar year; with only the ₹5 lakh quarterly milestone left, four quarters reach the cap exactly.

Sources

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