Flagship Luxury Travel Credit Card with Unlimited International Lounges & Luxury Hotel Privileges
Affluent international jet-setters and corporate executives seeking unlimited global lounge access, luxury hotel vouchers, and high-yield airline rewards.
₹4,999
One-time upfront₹4,999
Waived on ₹5 lakh annual spend4 VP/₹200 Spent in India and 8 VP/₹200 Spent Internationally
On eligible spendsUnlimited Domestic & International
Complimentary visitsLast verified 3 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The DBS Vantage Credit Card is Singapore's DBS Bank flagship luxury credit offering in the Indian market, competing directly with heavyweights like HDFC Regalia Gold, Axis Atlas, and Amex Platinum Travel. Positioned for affluent travelers and Treasures wealth management clients, the card commands a joining fee of ₹4,999 plus GST, which is immediately counterbalanced by 10,000 welcome DBS Points and an upscale luxury hotel voucher worth up to ₹10,000 across Taj, Marriott, or ITC properties. The card's travel rewards engine is exceptional: members earn 4 DBS Points per ₹100 on domestic retail and an accelerated 8 DBS Points per ₹100 on international foreign currency spending. Points never expire and convert seamlessly to Singapore Airlines KrisFlyer, British Airways Executive Club, Air India Flying Returns, and Club Vistara miles. For frequent flyers, its standout feature is unlimited complimentary international airport lounge access via Priority Pass/DreamFolks (including guest passes), alongside 4 complimentary domestic airport lounge visits each calendar quarter. The low foreign exchange markup of just 2.00% delivers noticeable savings on overseas travel. With complimentary golf rounds, bespoke 24/7 global concierge, and an annual spend waiver at ₹5,00,000, the DBS Vantage card ranks among the best value-for-money premium travel cards in India.
4 VP/₹200 Spent in India and 8 VP/₹200 Spent Internationally
10,000 Vantage Points and Any One (Hotels Taj Epicure/ITC Culinaire/Club Marriott)
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Travel | 20 Vantage Points per ₹200 spent on flights & hotels booked via DBS Delights (up to 15,000 pts/month) | 15,000 Reward Points/mo | Fuel, wallet loads, rent |
| Duty Free | 10% Cashback at duty-free stores worldwide (capped at ₹1,500/month) | 1,500 INR (₹)/mo | Non-duty free merchants |
| Milestone | 10,000 bonus Vantage Points on quarterly spends of ₹5,00,000 | No Cap | Standard terms apply |
| General | 4 Vantage Points per ₹200 spent on domestic retail transactions (equivalent to 2 pts / ₹100) | No Cap | Fuel, wallet loads, rent |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| Travel | ₹4,000 | 20 Vantage Points per ₹200 spent on flights & hotels booked via DBS Delights (up to 15,000 pts/month) | — | ₹15,000/monthly | Calculating... | Under cap |
| Duty Free | ₹4,000 | 10% Cashback at duty-free stores worldwide (capped at ₹1,500/month) | — | ₹1,500/monthly | Calculating... | Under cap |
| Milestone | ₹4,000 | 10,000 bonus Vantage Points on quarterly spends of ₹5,00,000 | — | None | Calculating... | Under cap |
| General | ₹18,000 | 4 Vantage Points per ₹200 spent on domestic retail transactions (equivalent to 2 pts / ₹100) | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹4,999
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
Verify this card against live departure gates and specific terminal lounges across India.
This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
• Joining & Annual Fee: ₹4,999 + GST; waived upon spending ₹5,00,000 or more in the preceding anniversary year. • Welcome Benefit: 10,000 bonus DBS Reward Points plus luxury hospitality dining/stay voucher upon payment of joining fee. • Reward Rates: 4 DBS Points per ₹100 on domestic retail; 8 DBS Points per ₹100 on international transactions (never expiring). • International Lounges: Unlimited complimentary international airport lounge visits via Priority Pass/DreamFolks with guest allowance. • Domestic Lounges: 4 complimentary domestic airport lounge visits per calendar quarter (16 visits annually). • Preferential Forex Markup: Discounted 2.00% + GST foreign currency transaction markup. • Golf Privileges: Up to 2 complimentary golf rounds or lessons per calendar quarter at premier courses nationwide. • Fuel Surcharge: 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000 across all petrol pumps.
Evaluate whether this card's perks and waiver threshold justify its ₹4,999 renewal fee.
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.
Common questions regarding DBS Vantage Credit Card application, fees, reward redemption, and eligibility
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Direct online application on the official DBS Bank portal with paperless verification.
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