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  1. Home
  2. Credit Cards
  3. DBS Bank
  4. DBS SuperX Credit Card
DBS SuperX Credit Card Credit Card
DBS Bank logo
DBS BankVisa Network
Verified
Direct Bank Application via Official Issuer Portal
4.2/5 Editorial Score

DBS SuperX Credit Card

High-Yield Everyday Cashback Card with 5% on Food Delivery & Streaming

Best Suited For

Urban professionals and digital consumers looking for direct savings on Swiggy, Zomato, BigBasket, and Netflix with low carrying costs.

Joining Fee

₹1,499

One-time upfront
Annual Fee

₹1,499

Waived on ₹2 lakh annual spend
Base Rewards

Standard Points

On eligible spends
Forex Markup

3.00% + GST

Cross-currency spends
Apply NowCompare CardOfficial Terms

Last verified 3 Oct 2026

Why Consider This Card?

Objective editorial assessment, ideal spender profile, and primary trade-offs

Editorial Verdict

4.2/5 Editorial Score

The DBS SuperX Credit Card is designed specifically for contemporary urban consumers whose primary monthly expenditures center around digital commerce, food delivery, app-based grocery orders, and video streaming. Featuring a joining fee of ₹1,499 plus GST, new cardholders receive welcome gift vouchers worth ₹1,500, effectively making the initial entry neutral. The annual renewal fee of ₹1,499 is waived upon achieving annual retail spending of ₹2,00,000. The core value proposition is straightforward and high-yielding: cardholders earn an accelerated 5% cashback on leading everyday platforms including Zomato, Swiggy, BigBasket, Blinkit, and top streaming subscriptions (capped at ₹750 per month). All other domestic non-fuel retail spending earns an uncapped 1.5% base reward yield, surpassing most traditional competitor cards. Additionally, cardholders receive 1 complimentary domestic airport lounge visit per calendar quarter (4 visits annually) upon meeting quarterly spending criteria. With a 1% fuel surcharge waiver and seamless digital management through the digibank app, the DBS SuperX Credit Card functions as a highly rewarding everyday payment engine.

Ideal For:Urban professionals and digital consumers looking for direct savings on Swiggy, Zomato, BigBasket, and Netflix with low carrying costs.

Card Strengths

  • Accelerated 5% cashback on leading online food, grocery delivery, and streaming apps
  • Competitive 1.5% uncapped base reward rate on standard domestic retail transactions
  • Welcome gift vouchers worth ₹1,500 offsetting the first-year joining fee
  • 1 complimentary domestic airport lounge visit per calendar quarter (4 per year)
  • Reasonable annual fee waiver hurdle of ₹2,00,000 in yearly spending

Things to Keep in Mind

  • Monthly accelerated 5% cashback is capped at ₹750 per billing cycle
  • Forex markup fee is 3.00% plus GST on international transactions
  • Domestic airport lounge access requires meeting quarterly retail spend criteria
  • Wallet loads and rent transactions excluded from cashback accrual

Rewards & Cashback Structure

Base earning rates, partner merchant acceleration, redemption options, and exclusions

Reward Program Name
DBS SuperX Cash Points
Reward Currency
Cash Points
Point Value (INR)
₹0.2500 per point
Redemption Channels
Refer to bank rewards portal
Reward Point Expiry
Refer to bank rewards program terms
Category Accelerated Earn RatesPublished Terms
Spend CategoryEarn RateReward CapConditions
AcceleratedAccelerated Cash Points on selected dining, grocery, and travel spendsNo CapFuel, wallet loads, rent
General1 Cash Point per ₹100 on all other retail transactionsNo CapFuel, cash advance, wallet top-ups
Explore top credit cards and rewards across top verified merchant brands.Browse Merchant Hubs

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Reward Exclusions: Fuel transactions, wallet loading, cash withdrawals, rent payments, educational payments, and government services are generally excluded from base and accelerated reward point accrual across all Indian card issuers.
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Estimate Your Annual Rewards

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Verified Rates & Caps
Quick Select:
Total Monthly Spend:₹30,000 / month
₹5,000 / mo₹1 lakh / mo₹2 lakh / mo

Category Spend Allocation

Customize monthly spend in each category. Category amounts sum directly to your monthly spend.

Assumed spend distribution
Accelerated2.50%
No published cap
₹
General1.00%
No published cap
₹
Excluded / Non-Reward Spends0%
Fuel, rent, wallet, govt, cash
₹
Category / Reward BucketMonthly SpendRateEffective RateCap PeriodEligible RewardCap Status
Accelerated₹12,000Accelerated Cash Points on selected dining, grocery, and travel spends—NoneCalculating... Under cap
General₹18,0001 Cash Point per ₹100 on all other retail transactions—NoneCalculating... Under cap
Total Monthly Cashback₹30,000-—-₹0 / moZero cap loss
Annual Spends

₹3.6 lakh

12 billing cycles
Annual Capped Rewards

₹0

0% blended return
Effective Fee

-₹1,499

Standard renewal
Net Annual Value

+₹0 / yr

Rewards - Fee
*Calculation based on verified card reward rates, applicable monthly caps, and fee-waiver thresholds - ₹1499 annual fee.
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Airport Lounge Access

Domestic and international lounge privileges, spend hurdles, and participating terminals

No Airport Lounge Access Included

This card is tailored primarily for shopping rewards, cashback, or specific co-branded spend and does not include complimentary airport lounge visits.

Fees & Charges

Complete breakdown of joining, renewal, forex, financing APR, and transaction charges

1. Card Membership Fees

Joining Fee (1st Year)
₹1,499
Annual / Renewal Fee (2nd Year Onwards)
₹1,499
Annual Spend Fee Waiver
Waived on ₹2 lakh annual spend
Fee Terms Notes
Joining Fee ₹1,499 + GST, Annual Fee ₹1,499 + GST. Multiplied Cash Points on select retail categories.

2. International Spends

Foreign Currency Markup (Forex)
3.00% + GST
Dynamic Currency Conversion (DCC)
Standard 1% mark-up on cross-currency INR transactions where applicable

3. Borrowing & Financing

Monthly Interest Rate (Finance Charges)
3.50% per month
Annualized Interest Rate (APR)
42.00% p.a.
Cash Advance / ATM Withdrawal Fee
Refer to official schedule of charges
Interest-Free Period
Up to 50 Days

4. Other Charges & Taxes

Late Payment Charges
Refer to official schedule of charges
Regulatory Tax Notice: Goods and Services Tax (GST) of 18% is applicable on all card fees, interest charges, and milestone fees as mandated by the Government of India.

Verified Terms & Exclusions Summary

• Joining & Annual Fee: ₹1,499 + GST; waived on annual retail spending of ₹2,00,000 or more in the anniversary year. • Welcome Benefit: ₹1,500 in brand gift vouchers credited upon card activation and fee settlement. • Accelerated Cashback: 5% cashback on Swiggy, Zomato, BigBasket, Blinkit, and streaming services (capped at ₹750 per month). • Base Cashback: 1.5% uncapped cashback on all other eligible domestic retail transactions. • Airport Lounge Access: 1 complimentary domestic airport lounge visit per calendar quarter upon achieving quarterly spend hurdle. • Fuel Surcharge: 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000 across petrol stations in India. • Exclusions: Fuel purchases, wallet top-ups, cash advances, and rental payments do not earn reward points.

Is the Annual Fee Worth It?

Evaluate whether this card's perks and waiver threshold justify its ₹1,499 renewal fee.

Calculate Fee ROI

Eligibility & Application Requirements

Income criteria, minimum age, CIBIL score benchmark, and verification checklist

Eligibility criteria not specified

Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.

Mandatory Verification Documents

1. Identity ProofPAN Card (Mandatory), Aadhaar Card, Passport, or Voter ID.
2. Address ProofAadhaar (DigiLocker), Utility Bill (Electricity/Piped Gas), or Rental Agreement.
3. Income ProofLatest 3 months salary slips, Form 16, or latest 2 years ITR computation.

Frequently Asked Questions

Common questions regarding DBS SuperX Credit Card application, fees, reward redemption, and eligibility

What is the annual fee and spend waiver for DBS SuperX Credit Card?
The card carries a joining and annual fee of ₹1,499 plus GST. The renewal fee is completely waived if annual spends reach ₹2,00,000 or more in the previous card year.
Which merchants qualify for the 5% accelerated cashback?
Leading online lifestyle partners including Swiggy, Zomato, BigBasket, Blinkit, Netflix, and Spotify qualify for the 5% cashback, subject to monthly category caps.
Does the DBS SuperX card offer airport lounge visits?
Yes, cardholders receive 1 complimentary domestic airport lounge visit per calendar quarter across major airport terminals in India upon meeting quarterly spend criteria.
How is the cashback credited?
Cashback is accumulated as DBS points which can be redeemed directly against statement balance or for merchant vouchers via the digibank mobile app.
What is the joining and annual renewal fee for DBS SuperX Credit Card?
The joining fee for DBS SuperX Credit Card is ₹1,499 (one-time), and the annual renewal fee is ₹1,499 from the second year onwards. GST of 18% is applicable on all fee charges.
Can the annual fee on DBS SuperX Credit Card be waived?
Yes, the annual renewal fee of ₹1,499 is waived upon achieving annual spends of ₹2 lakh in the preceding card anniversary year.
What are the primary rewards and cashback earn rates on DBS SuperX Credit Card?
DBS SuperX Credit Card offers reward points on eligible transactions. Cardholders also enjoy accelerated reward rates on partner merchants and selected digital spend categories.
Does DBS SuperX Credit Card offer complimentary airport lounge access?
No, DBS SuperX Credit Card is designed for daily retail, cashback, or UPI spend and does not currently include complimentary airport lounge visits.

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Direct online application on the official DBS Bank portal with paperless verification.

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