DBS Vantage Card

Lounge access

• Unlimited domestic & international airport lounge access year round (via LoungeKey).
• Complimentary access for Primary Cardholder only.
• Accompanying guests incur a lounge visit fee charged to the Primary Cardholder.

Verified · harvested from product page · 2026-08-02 · source

Charge

• Finance/Overdue interest (APR): 42-48% per annum (3.5%-4% per month).
• Cash withdrawal charges: flat 2.5% of cash amount (minimum ₹500).
• Finance charge on unpaid cash 4% per month/48% per annum from transaction date.
• Card replacement: ₹3000 per reissued card.
• Physical statement / re-print: ₹100 per statement.
• Digital statement prior to 2 years: ₹100 per statement.
• Return payment charges: ₹500 per instance.
• Cash payment at branches: ₹250 per bill payment.
• Fee on rental transactions (w.e.f. 12 Nov 2024): 1% of transaction amount or ₹199, whichever is higher (MCC 6513).
• Reward Redemption Fee: ₹99 + GST per redemption.
• Late Payment Charges: Nil up to ₹100.
• ₹99 for >₹100 up to ₹500.
• ₹499 for >₹500 up to ₹5,000.
• 10% of TAD >₹5,000 subject to max ₹1299.
• Charge slip retrieval: ₹100.
• GST 18% applicable on all fees, interest, surcharge and charges.
• (Utility, fuel, education, wallet-load and travel transaction fees are NOT applicable for DBS Vantage Card.).

Verified · Most Important Terms & Conditions (MITC) – Consolidated (covers DBS Vantage Card) · 2026-08-02 · source

Interest-free period

• Interest free (grace) period ranges between 20 to 50 days, with an additional 3-day grace period after the payment due date.
• Not applicable if previous month's balance is not cleared in full.

Verified · Most Important Terms & Conditions (MITC) – Consolidated (covers DBS Vantage Card) · 2026-08-02 · source

Fuel surcharge waiver

• Fuel Surcharge Waiver at 1% of eligible fuel transaction amounts.
• Minimum fuel transactions of ₹1000 and maximum of ₹6000, capped at ₹200 per billing cycle.
• GST on fuel surcharge will not be reversed.

Verified · Most Important Terms & Conditions (MITC) – Consolidated (covers DBS Vantage Card) · 2026-08-02 · source

Concierge

2 complimentary airport meet & greet concierge services in one calendar year, enabled on crossing spends of ₹3,00,000 in an anniversary year.

Verified · harvested from product page · 2026-08-02 · source

Hotel benefit

• Choice of one luxury hotel membership from Taj Epicure / ITC Culinaire / Club Marriott, valid for 1 year from date of membership booking.
• Not auto-renewed.

Verified · DBS Vantage Card product page · 2026-08-02 · source

Travel benefit

• Cancel For Any Reason (CFAR) cover on flight/hotel bookings via DBS Delights: reimbursement of non-refundable amount if booking cancelled at least 24 hours before travel.
• Eligible cover ₹1,00,000 for international flight & hotel bookings and ₹10,000 for domestic, usable across a maximum of two transactions during the policy period.

Verified · harvested from product page · 2026-08-02 · source

Eligibility

• Card upgrade consent provisions do not apply to DBS Vantage Card.
• Multiple credit cards mapped to one customer share a combined aggregate limit.
• Cash withdrawal limit is 10% of credit limit.

Verified · Most Important Terms & Conditions (MITC) – Consolidated (covers DBS Vantage Card) · 2026-08-02 · source

Official terms

https://www.dbs.bank.in/in/credit-cards/vantage.html.

Verified · DBS Vantage Card product page · 2026-08-02 · source