Bajaj Finserv DBS Bank 5X Plus Rewards Credit Card – First-Year-Free
The Bajaj Finserv DBS Bank 5X Plus Rewards Credit Card – First-Year-Free is exclusively designed to meet your everyday needs. You can use it to pay for all your daily expenses and earn accelerated cash points. The credit card offers a free Bajaj Health membership, a discount on OTT subscriptions, and 4 complimentary domestic airport lounge access. It also comes with additional SuperCard features like interest-free cash withdrawal, easy EMI conversion, and emergency cash advance.
Features and benefits of our 5X Plus Rewards Credit Card – First-Year-Free

All you need to know about our credit card
Watch this video to know everything about our credit card – features and benefits, fees, and charges.
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First-year-free
There is no joining fee for this credit card. You also do not have to pay any annual fee during the first year.
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Monthly milestone benefit
Shop for daily groceries, apparel, home appliances, and more to get 5X cash points on minimum spends of Rs. 10,000 per month.
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10X accelerated cash points
You can use this card to get 10X cash points on utility, bill payments, and travel bookings made using the Bajaj Finserv app or DBS Bank app – ‘DBS Card+ IN’.
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Discount on subscriptions*
Get a 20% discount in the form of 2,000 cash points when you buy OTT subscriptions like Hotstar and more.
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Airport lounge benefit
Get 4 complimentary domestic airport lounge access in a year. You can use this facility only once a quarter.
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Bajaj Health membership
This card comes with many benefits, one being the Bajaj Health membership, which gives you 3 teleconsultations per month at just Rs. 75 each.
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Fuel surcharge waiver
Use this card to get a fuel surcharge waiver at any station across India for an amount of up to Rs. 1,200 in a year.
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Interest-free cash withdrawal
You can use this card to withdraw cash from any ATM across India for up to 50 days without being charged an interest.
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Cashback on down payment
Get 5% cashback on down payments made at any of our 1.5 lakh+ EMI Network partner stores across 4,000+ large and small cities.
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Annual fee waiver
Get your annual fee waived off if you spend above Rs. 75,000 in a year using this card.
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Cash points on regular spends
Shop online and offline using this credit card and earn 2 cash points on every Rs. 200 spent.
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*Online subscriptions include Hotstar, Prime Video, and Zomato Pro.
Terms and conditions apply
Applicable fees and charges
The following are the fees and charges for the Bajaj Finserv DBS Bank 5X Plus Rewards Credit Card:
Type of fee | Applicable charges |
Joining fee |
NIL |
Renewal fee |
Rs. 999 + GST |
Reward redemption fee |
Rs. 99 + GST per redemption |
Cash advance fee |
2.50% of the cash amount (minimum Rs. 500) |
Late payment fee |
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Over limit fee |
Rs. 600 + GST |
Finance charges |
Up to 4% per month or 48% per annum |
EMI conversion processing fee |
2% of the conversion amount (minimum of Rs. 249 and maximum of Rs. 1,500) |
Click here to read about the credit card fees and charges in detail.
Frequently asked questions
This card has no joining fee.
Yes, there is an annual fee of Rs. 999 + GST, which is applicable from the second year. However, this fee will be waived off if you spend a minimum of Rs. 75,000 in a year.
With the Bajaj Finserv DBS Bank 5X Plus Rewards Credit Card - First-Year-Free, you get 4 domestic lounge access in a year. You can use 1 complimentary domestic lounge access every quarter.
A cash point is a benefit offered in the form of points to users whenever they transact using the Bajaj Finserv DBS Bank Credit Card. Instead of receiving cashback, points earned against the transaction are credited to your credit card account.
The value of 1 cash point is 0.25 paise. For every Rs. 200 spent, you earn 2 cash points. These can be redeemed on the Bajaj Finserv app or DBS Card IN app on categories like hotel and travel bookings, shopping, food, etc.
If you pay for OTT subscriptions such as Hotstar, Prime Video, and more using this card, you get a 20% discount in the form of cash points.
For example, if you take a subscription worth Rs. 1,000, you will receive 20% of the subscription amount as cash points, which in this case would be 200 cash points.
Please note: The maximum limit up to which you can earn cash points on Bajaj Finserv DBS Bank 5X Plus Rewards Credit Card - First-Year-Free via subscription benefits is 2,000 in a year.
With the Bajaj Finserv DBS Bank 5X Plus Rewards Credit Card – First-Year-Free, you get 3 complimentary teleconsultations per month with general physicians of your choice at Rs. 75 each via the Bajaj Finserv Health app.
To cancel your Bajaj Finserv DBS Bank 5X Plus Rewards Credit Card - First-Year-Free, please contact us on 1860 267 6789 or write to us at supercardcare@dbs.com for further assistance.