DBS Bank Credit Cards 2026: Fees, Best Picks & Offers

DBS Bank India has three credit cards: Spark, SuperX and Vantage. Spark comes in three variants, SuperX in two, and Vantage is invite-only. Check them all here, along with the offers running on DBS's site and the card to pick for the way you spend.

DBS doesn't have the huge range of an HDFC or an SBI Card, so a short list makes the choice easier. But choosing the right card isn’t simply about picking the one with the highest rewards.

This article lists every DBS Bank credit card, what each one gives you, what the points are worth, and which one deserves a place in your wallet.

Who is DBS Bank India, and Where Does It Stand with the RBI?

DBS Bank India Limited is the Indian subsidiary of DBS Bank Ltd, the Singapore-based bank. It runs in India as a wholly owned subsidiary regulated by the RBI.

The bank opened its first office in Mumbai in 1994. It grew its Indian business in 2020 when the RBI proposed a scheme to merge the troubled Lakshmi Vilas Bank into it. The merger took effect on 27 November 2020.

Today, the bank has a network of 530+ branches across 19 states in India. Like every scheduled commercial bank in India, deposits with DBS carry DICGC insurance of up to ₹5 lakh per depositor, which is separate from anything to do with your credit card.

DBS's card book is small. It only has about 3.3 lakh active credit card users in India as of August 2026. Our ranking of every credit card issuer in India shows where DBS sits against other banks.

Its entire card line-up currently runs on the Visa network.

Full DBS Bank Credit Card Catalogue

DBS's card catalogue runs from a ₹499 entry card to an invite-only metal card.

SuperX and SuperX Plus are the cards given to holders of the Bajaj Finserv SuperCard co-branded card. Its six variants charged ₹499 to ₹4,999 a year, but card mapping and fees are left ambiguous. DBS stopped issuing new SuperCards in 2024 and discontinued the range on 1 August 2026.

Spark variants come with monthly milestone reward multipliers in addition to their base rewards:

• With Spark5, you can earn 5X points on everything (capped at 3000 points per month) after crossing ₹10,000 a month.
• Spark10 has a monthly threshold of ₹15,000, after which online spends earn 10X and offline spends earn 5X (capped at 5,000 points).
• Spark20 has a ₹20,000 monthly threshold, after which utility, dining and grocery spends earn 20X, other online spends earn 10X, and offline spends earn 5X (capped at 7,000 points)

Every Spark variant also has a quarterly milestone. Spend ₹50,000 (Spark5), ₹75,000 (Spark10) or ₹1 lakh (Spark20) in a calendar quarter and DBS adds 2,500, 3,500 or 5,000 bonus Cash Points.

Although rent, wallet load, fuel, cash withdrawal and jewellery purchase don’t qualify to earn Cash Points, they’re still counted for reaching spend thresholds. Our merchant category code list for India explains how banks classify these spends, and the Monzy MCC scanner shows how a merchant is classified before you pay.

Best DBS Bank Credit Cards to Pick

You're opening your first credit card: Spark5. Spend about ₹17,000 a month on it and you get roughly 2% back in points, and the ₹499 fee is waived once you cross ₹1.5 lakh a year. Our list of lifetime free credit cards shows cards that give similar value with no fee at all.

If you pay for most things online, look into Spark10. Spend about ₹27,000 a month on it, and you get roughly 3% back on online spends; the rest earns 2%. Our list of the best credit cards for travel in India and our guide to credit card lounge access can help you find a stronger travel card to pair with it.

If you eat out regularly and order groceries online, check out Spark20. On spending around ₹1 lakh a quarter on dining and groceries, along with utility bills, you can get up to about 5% back on those expenses. It rewards 2% on everything else.

If you can't reach Spark20’s milestones, Spark10 is the better card. Our list of utility payment credit cards and best credit cards for grocery show stronger options.

If you fly abroad a few times a year and have a good relationship with DBS, ask for the Vantage. You get about 2% back on spends in India, about 4% abroad, and unlimited lounge access. But its fee is between ₹10,000 and ₹50,000 a year. Compare it against our Axis Magnus review and ICICI Emeralde review before you accept.

Recent DBS Bank Credit Card News and Launches

DBS has discontinued the Bajaj Finserv DBS SuperCard. It stopped issuing new SuperCards on 23 November 2024, and the range has been discontinued from 1 August 2026 onwards. Current cardholders are being moved to the DBS SuperX or SuperX Plus card, so check your inbox and SMS for details.

DBS also added new fees from 1 April 2026 on every credit card (except the Vantage). The bank charges 1% of your spends on commuter transport, bus and toll merchants once they pass ₹10,000 in a statement cycle, and 1% on passenger railway spends above ₹20,000 in a cycle. It also charges 1% on wallet loads of ₹5,000 or more.

If you pay for tickets or top up a wallet with your DBS card, check your statement for the new charge. Our list of Indian credit cards devalued in 2026 shows which other issuers changed their terms this year.

FAQs about DBS Bank credit cards

How many credit cards does DBS Bank India offer?

DBS Bank India lists three credit cards on its site: Spark, SuperX and Vantage. Spark comes in three variants (Spark5, Spark10 and Spark20), SuperX comes in a standard and a Plus version, and Vantage is invite-only. DBS discontinued the Bajaj Finserv DBS SuperCard on 1 August 2026 and is moving its cardholders to SuperX and SuperX Plus.

What is the annual fee on the DBS Spark credit card?

The joining and annual fee is ₹499 on Spark5, ₹999 on Spark10 and ₹1,499 on Spark20, plus GST. You can waive the annual fee by spending ₹1.5 lakh, ₹2 lakh and ₹2.5 lakh, respectively, in the anniversary year.

Which DBS Bank credit card has the best lounge access?

Vantage has the best lounge access, with unlimited visits at domestic and international lounges for the primary cardholder. Among the Spark variants, Spark20 gives 2 domestic visits a quarter at select airports, while Spark5 and Spark10 give 1.

Is the DBS SuperCard still available?

No, DBS stopped issuing new SuperCards on 23 November 2024 and discontinued all variants on 1 August 2026. Existing cardholders are being moved to the DBS SuperX or SuperX Plus card.

What is the DBS SuperX credit card?

SuperX and SuperX Plus are the cards DBS is giving to Bajaj Finserv DBS SuperCard holders. The current terms show annual fees of ₹1,499 for SuperX and ₹2,999 for SuperX Plus, with no joining fee. DBS hasn't published official reward rates for either card, so check the communication DBS may have sent you.

Can I apply for the DBS Vantage credit card?

You can't apply directly, because the Vantage is invite-only and DBS bases invitations on your credit history and your relationship with the bank. New applicants need to be existing DBS Treasures customers or open a new account with DBS first. DBS Elite status may also get you an invitation, so ask your relationship manager.

What is the forex markup on DBS Bank credit cards?

The Spark, SuperX and SuperX Plus cards charge a 3.5% forex markup, so ₹1 lakh of foreign spend costs ₹3,500 plus GST. The Vantage charges 0% in Singapore and 1.75% elsewhere. Our guide to the DCC trap explains why you should always pay in the local currency abroad.

What interest and late payment charges does DBS Bank levy?

The Spark charges interest of 4% a month, or 48% a year. The Vantage charges 3.5% a month, or 42% a year. Late payment fees depend on your total amount due: nil up to ₹100, ₹99 up to ₹500, ₹499 up to ₹5,000, and 10% of the amount due above that, capped at ₹1,299. Cash advances cost 2.5% of the amount, with a minimum of ₹500.

What is a DBS Cash Point worth?

DBS's benefit terms value a Cash Point at ₹0.20. They expire two years after you earn them, and each redemption costs ₹99 plus GST, so redeem in larger batches instead of small amounts.

Is DBS Bank India safe, and is it regulated by the RBI?

Yes, DBS Bank India Limited is a wholly owned subsidiary of DBS Bank Ltd in Singapore and is regulated by the RBI as a scheduled commercial bank. Its deposits carry DICGC cover of up to ₹5 lakh per depositor.

Conclusion

If you already bank with DBS and spend steadily, the Spark5 is the card worth asking about. It has a ₹499 fee that you can waive at ₹1.5 lakh, and a 1.2% return at ₹50,000 a quarter is fair for a first card. Check the fee on your offer letter, read the MITC for the categories that earn no points, and pair the card with a stronger rewards card if everyday returns matter to you.

Disclaimer

This article is for informational purposes only and doesn't constitute financial advice. Eligibility criteria, fees and product features mentioned are accurate to the best of our knowledge as of October 2026, but they can change without notice at the issuer's discretion. Please read the latest Most Important Terms and Conditions (MITC) on the DBS Bank India website and consult a certified financial advisor before applying for any credit card.