DBS Bank India Limited (DBIL), a significant entity within the global DBS Bank group headquartered in Singapore, has made substantial inroads in India. Since its inception in 1995, DBS Bank has expanded its footprint extensively, with over 500 branches nationwide. The bank offers a wide array of personal and commercial banking services, featuring various credit cards tailored to suit different customer requirements.

Top DBS Credit Cards in India for 2024

DBS Bank provides an assortment of credit cards catering to different spending patterns and preferences. Here’s a brief overview of the prime DBS credit cards in India for 2024:

DBS Spark Credit Card

The DBS Spark Credit Card is a versatile choice offering numerous benefits, making it a preferred pick for users inclined towards earning rewards and availing exclusive deals. Notable features of the DBS Spark Credit Card include:

• Cash Points: Earn 2 cash points for every ₹200 spent, enhancing the worth of routine purchases.
• Milestone Rewards: Provides added benefits upon reaching spending milestones.
• Domestic Lounge Access: Access to local airport lounges enhances travel comfort.
• EMI Conversion: Purchases above ₹2,500 can be converted into easy EMIs, facilitating payment flexibility.
• Tap and Pay: Ensures swift and hassle-free payments with tap-and-pay functionality.
• International Acceptance: Widely accepted globally, enabling seamless transactions while traveling.
• Cash Withdrawal: Cardholders enjoy up to 50 days of interest-free cash withdrawal up to the designated limit.

DBS Vantage Credit Card

The DBS Vantage Credit Card is a high-end option crafted for frequent travelers and individuals seeking a premium experience, offering exclusive benefits for enhanced travel and lifestyle experiences:

• Travel Perks: Incorporates benefits like hotel memberships, duty-free discounts, and unlimited lounge access at both domestic and international airports.
• Forex Markup Fee: Features a 0% forex markup fee for Singapore transactions and 1.75% for other international transactions.
• Comprehensive Travel Benefits: Stands strong against other top-tier credit cards with extensive travel perks.

Comparison of DBS Credit Cards

Joining/Renewal Fee:

• DBS Spark Credit Card: ₹499 for joining or renewal.
• DBS Vantage Credit Card: Comes with a fee of ₹50,000 plus GST for joining or renewal.

Reward Points:

• DBS Spark Credit Card: Earns 2 cash points per ₹200 spent.
• DBS Vantage Credit Card: Offers 4 Vantage Points per ₹200 spent locally and 8 points internationally.

Airport Lounge Access:

• DBS Spark Credit Card: Provides domestic lounge access within India.
• DBS Vantage Credit Card: Offers unlimited access to lounges globally, suitable for avid travelers.

Value of Rewards:

• DBS Spark Credit Card: Each cash point valued at ₹0.20.
• DBS Vantage Credit Card: Each Vantage Point valued at ₹1, offering higher reward value.

Renewal Fee Spend Waiver:

• DBS Spark Credit Card: Requires ₹1,50,000 spend in a year to waive the renewal fee.
• DBS Vantage Credit Card: Entails a threshold spend of ₹10,00,000 for a renewal fee waiver.

How to Apply for DBS Credit Cards

Applying for a DBS credit card is a streamlined process. Follow these steps to complete the application:

1. Visit the DBS Bank Website: Navigate to the official website to browse credit card choices.
2. Select a Credit Card: Choose a card that aligns with your needs and preferences.
3. Apply Online: Click on "Apply Now" for the chosen card to proceed to the application page.
4. Complete the Application Form: Provide necessary details including personal and income information.
5. Submit the Application: Review and submit your filled application form.