DBS Vantage Card: Product Benefits and Terms

These Product Benefits and Terms and Conditions ("Terms") apply to your usage of ‘DBS Vantage Credit Card’ (“Credit Card”) issued by DBS Bank India Limited ("DBS Bank” or “Bank”) and are in addition to and not in derogation of the Cardmember Agreement as available on /in/credit-cards/vantage/cardmember-agreement.html and Most Important Terms and Conditions governing the Credit Card facilities of DBS Bank ("Credit Card Terms and Conditions"), as available on go.dbs.com/vantagetnc.

The Terms shall prevail over Cardmember Agreement and the Credit Card Terms and Conditions to the extent of any conflict between the terms herein and the terms of the Cardmember Agreement and the Credit Card Terms and Conditions.

By “Cardholder” or “Cardmember”, we mean “Primary Cardmember”, “Primary Cardholder”, “Member”, “Customer”, you, your, him, he, his, or similar pronouns shall mean the individual in whose name the Card has been issued and the Card Account is maintained.

By “anniversary year”, we mean period of 12 months from the date the Cardmember has been onboarded and subsequent years

By “calendar quarter”, we mean 3-month period ending in March, June, September and December of every year

By “Calendar year”, we mean one year period from 1^st January to 31^st December every year.

Benefit and features

As a DBS Vantage Metal Cardholder, you're entitled to a range of exclusive benefits:

1. Welcome Bonus

Earn Vantage Points as a welcome bonus when you make your first transaction within 30 days of card setup and after paying your joining fee. These points will be credited to your card account in the subsequent statement.

Important Note: Spends are calculated based on the transaction date recorded on your credit card account by the Merchant Establishment/Card Association (e.g., Visa, MasterCard, RuPay). DBS Bank shall not be responsible for discrepancies if the Merchant Establishment/Card Association submits a different transaction date than the actual transaction date. The Welcome Bonus is applicable only once per card.

*GST as applicable on fees and charges shall be additional.

^Applicable on not maintaining committed Treasures TRV of Rs. 2 Cr   

2. Card Joining and Annual Fees

Joining and annual fees are as per the table above, exclusive of taxes. The annual fee is levied at the beginning of your membership year, starting from Year 2 onwards.

Annual Fee Waiver: You are eligible for an annual fee waiver if you maintain a Total Relationship Value (TRV) of Rs.  2 Crore or above waiver i.e. annual fee shall not be levied if the TRV criteria is met by the Cardmember. For TRV criteria, TRV maintained for one month prior to levy of annual fee will be considered. For details on TRV computation, please refer to DBS Savings Account: Fees And Charges | DBS Treasures.

3. Assured Vantage Points

Earn reward points on your DBS Vantage Metal Card spends.

• Earning Rate: You'll earn 4 Vantage Points for every Rs. 200 spent on domestic purchases. Individual transactions are rounded down to multiples of 200 for point calculation. For example, if you spend Rs. 560, you'll earn 8 Vantage Points.
• Credit to Account: Vantage Points earned will reflect in your card account upon settlement of the transaction.

Transactions that do not earn Vantage Points or have category-specific capping:

 *Please note that the list of MCCs provided here is indicative and not exhaustive. It may be updated or expanded from time to time.

4. Special Vantages (Milestone Benefits)

Earn bonus Vantage Points when you reach specific spending milestones within a calendar quarter.

• Milestone: 10,000 Vantage Points on spends above Rs. 5,00,000 in a calendar quarter.
• Eligibility: You qualify for bonus Vantage Points upon crossing the predefined qualifying retail spend threshold. Reversed transactions will be deducted from the spend calculation in the quarter of reversal. Spends on add-on cards are clubbed with the primary cardholder's spends for milestone calculation.
• Frequency: Each customer is eligible only once per calendar quarter for this milestone benefit.
• Annual Cap: Cumulative bonus points earned in a calendar year are capped at 40,000 Vantage Points.
• Milestone Calculation Start: Qualifying spends for milestone benefit calculation begin when you join the DBS Vantage Credit Cards Program. This is considered from your onboarding date until the end of that calendar quarter for an individual card, and then for subsequent quarters in the calendar year.
• Example: If your Credit Card was issued in February 2026, the calendar quarter for milestone calculation ends on March 31, 2026. Spends within this period will be considered.
• Eligible Spends: All spends, including Fuel, Wallet Load, Duty Free stores, Rental spends, International purchases, Third party Education, Insurance, Grocery, Utility, Telecom transactions, and Balance Transfers, are eligible for milestone calculation.

5. Accelerated Vantage Points Program

Earn accelerated Vantage Points on flight and hotel bookings made via DBS Delights.

• Offer Details: The capping of Vantage Points under this program is governed by the DBS Delights reward points program Terms & Conditions.
• Point Credit: Accelerated Vantage Points will be posted to your account within 5 days of the transaction settlement date.

6. 10% Cashback at Duty Free Stores

• Eligibility: You will be eligible for 10% cashback on all spends at Duty Free Stores (MCC 5309) at both domestic and international airports.
• Cashback Cap: The cashback amount is capped at Rs. 1,500 per month per card account.
• Calculation and Credit: Cashback is calculated based on the settlement amount and will appear in your subsequent month's billing statement. Eligible transactions are tracked based on their settlement date.

7. Fuel Surcharge Waiver

• Waiver: You can avail a 1% fuel surcharge waiver on all fuel spends between Rs. 1,000 and Rs. 6,000.
• Monthly Cap: The maximum fuel surcharge waiver is capped at Rs. 200 per statement cycle.
• Important Note: Fuel transaction surcharges are indicative and may vary across different acquirers. Transactions made on fuel purchases do not qualify for earning Vantage Points.

8. Unlimited Domestic & International Lounge Access

• Access: The DBS Vantage Metal Card provides unlimited access to domestic and international airport lounges throughout the year.
• Primary Cardholder Only: Complimentary lounge access is applicable only for the Primary Cardholder.
• Guest Policy: Any accompanying guest will incur a lounge visit fee per visit, which will be automatically charged to the Primary Cardholder.
• Admittance: Admittance to lounges is conditional upon presenting a valid Credit Card.
• LoungeKey Partnership: DBS Bank has partnered with LoungeKey for these services. No additional card is required for lounge access globally.

9. Travel Benefits

• 0% FX Markup: Enjoy a special Forex privilege with 0% FX markup on all international spends.
• Currency Conversion: The currency conversion rate is applicable as on the date of settlement.

10. Airport Meet & Greet Concierge Services

• Complimentary Services: Primary cardholders of the DBS Vantage Metal Card are eligible for 2 complimentary airport meet & greet concierge services in one calendar year.
• Eligibility: Eligibility for these services is enabled on spends of Rs. 3,00,000 and above. Reversed transactions will be reduced from the spends during the quarter of reversal for calculation. Spends on add-on cards will be clubbed with the primary cardholder’s spends.
• Eligible Spends: All spends, including Fuel, Wallet Load, Duty Free stores, Rental spends, Third party Education, Insurance, Grocery, Utility, Telecom transactions, and Balance Transfers, are eligible for calculating milestone spends.
• Validity: The benefit is valid for one year from the date of crossing the spend threshold.
• Example: If your card setup / card anniversary date is April 1, 2026, and if you cross the ₹3,00,000 spends threshold on September 15, 2026, the complimentary meet & greet services will be enabled on September 16, 2026 and will be valid till March 31, 2027.
•  Service Variation: The services offered may vary from airport to airport. For detailed process and Terms & Conditions, please refer to the specific link provided by DBS.

11. Cancellation for Any Reason

This benefit provides increased flexibility for your travel plans, allowing you to receive reimbursement for the non-refundable amount of flight/hotel bookings upon cancellation.

Conditions for Coverage:

• Bookings must be made using your DBS Vantage Metal Card via DBS Delights.
• The booking period must be from your card setup date until its validity date.
• Coverage includes any trip cancellation for a reason not otherwise covered in the booking or any other policy.
• To be covered, you must cancel the booking at least 24 hours before the scheduled travel date.
• For detailed process and Terms & Conditions, please refer to the specific link provided by DBS.

12. 24/7 DBS Concierge Services

Access extraordinary experiences with a curated range of exclusive services.

Available Services:

• Seamless dining reservations with exclusive offers and privileges
• Health and medical services
• Entertainment and experiences
• Recommendations on staycations, local, and global activities
• Gift and shopping assistance
• Other special services like business, home, and roadside assistance

Accessibility: The concierge is accessible via multiple channels:

• Call Center Number: 0008 00442 0011
• Email: [email protected]
• Web portal chat
• WhatsApp (or similar digital channels) in different countries

To know more about concierge services, please visit https://www.visa.co.in/pay-with-visa/visa-concierge.html

13. Vantage Point Redemption

Redeem your Vantage Points easily:

• Download and log in through the DBS Cards+ IN App.
• Visit the DBS Delights Rewards portal at DBS Lifestyle Benefits.

For details on Rewards Redemption or Terms & Conditions, please visit the DBS Delights Rewards portal at DBS Lifestyle Benefits.

Other Important Terms and Conditions

• Vantage Point Validity: Vantage Points are valid for 2 years from the date of accrual. For example, if you receive points in May 2026, they will expire on May 31, 2028
• Category Definitions: The definitions of categories (e.g., Fuel, Duty Free stores, Rent) will align with the Merchant Category Codes (MCC) ascribed by payment network, acquiring bank and may change from time to time.
• Negative Vantage Point Balance on Closure: If your card has an outstanding negative Vantage Point balance upon voluntary closure, the equivalent value will be converted to a statement debit (at Rs. 1 per Card Point) and must be paid along with any other outstanding dues.
• Points are Not Property: Vantage Points do not constitute the cardholder's property and are not transferable.
• Redemption Restriction: Reward point redemption will be restricted if no payment is made beyond 5 days from the payment due date.
• Point Forfeiture: Reward point balance will be forfeited if no payment is made beyond 30 days from the payment due date.
• Transaction Reversals: In case of a transaction reversal, any credited Vantage Points (normal or accelerated) will also be reversed.
• No Adjustment against Outstanding Balance: Vantage Points will not be adjusted against your outstanding balance.
• Credit Limit Restriction: Vantage Points earned are restricted up to the credit limit allocated to you. No points will be credited for overlimit usage.
• Benefit Availability: All credit card features and benefits will be available once you have been onboarded.
• Accrual Changes: Vantage point accrual is subject to change with a 30-day prior notice.