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Features and benefits of our 5X Plus Rewards Credit Card

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Features & Benefits of the Bajaj Finserv DBS Bank 5X Plus Rewards Credit Card

Here's all you need to know about the Bajaj Finserv DBS Bank 5X Plus Rewards Credit Card.

  • Welcome bonus*

    Welcome bonus*

    You get 4,000 cash points as welcome bonus with this credit card, which can be redeemed on the DBS Bank app – ‘DBS Card+ IN’.

  • Monthly milestone benefit

    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.

  • 10X accelerated cash points

    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 the DBS Bank app – ‘DBS Card+ IN’.

  • Discount on subscriptions*

    Discount on subscriptions*

    When you use this card to buy subscriptions to Amazon Prime, Airtel Xtream, OTT Play, TOI+, Wynk Music, and Hindustan Times, you get a 20% discount in the form of cash points.

  • Airport lounge benefit

    Airport lounge benefit

    With this credit card, you get 4 free domestic airport lounge access in a year. You can use this facility only once a quarter.

  • Fuel surcharge waiver

    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.

  • Annual fee waiver

    Annual fee waiver

    Get your annual fee waived off if you spend a minimum of Rs. 75,000 in a year using this card.

  • Cash points on regular spends

    Cash points on regular spends

    Shop online and offline using this credit card and earn 2 cash points on every Rs. 200 spent.

  • Interest-free cash withdrawal*

    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 interest.

  • Cashback on down payment

    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.

  • *Welcome rewards would be awarded when you pay the joining fee and use the card within 60 days of issuance.

    *5X monthly milestones are capped at a maximum of up to 3,000 cash points per month

    *10X accelerated points are capped at a maximum of 3,000 cash points.

    *Online subscriptions include Amazon Prime, Airtel Xtream, Hindustan Times, TOI+, OTT Play and more, purchased on the DBS Bank app - DBS Card + IN.

    *1 domestic airport lounge access per quarter

    *Processing fee of 2.5% or Rs. 500 (whichever is higher) is applicable (Plus GST).

    Terms and Conditions apply

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Eligibility criteria

Eligibility criteria

  • Nationality: Indian
  • Age: 21 to 70 years
  • Credit score: 720 or higher
  • Employment: Must have a regular source of income

Documents required

  • PAN card physical copy (Keep the PAN card copy handy to complete the KYC process)
  • Aadhaar card number

It is also essential to have your residential address in a location that is serviceable by DBS Bank and Bajaj Finserv to get the Bajaj Finserv DBS Bank Credit Card.

DBS Bank Credit Card

About DBS Bank

DBS Bank India announced the launch of its first-ever credit card, the Bajaj Finserv DBS Bank Credit Card, in partnership with Bajaj Finance, powered by Visa. Designed to eliminate the need for multiple credit cards, the SuperCard is a combination of four cards in one – credit card, debit card, EMI card, and loan card. Through this partnership, DBS Bank India and Bajaj Finance Ltd. aim to create a better experience for their customers across India.

  • Did you know?

    You can get 4,000 welcome cash points with this card.

How to apply for the 5X Plus Rewards Credit Card

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Step-by-step guide to applying for the Bajaj Finserv DBS Bank 5X Plus Rewards Credit Card

  1. Enter your 10-digit mobile number and click on ‘APPLY’
  2. Verify the OTP sent to your phone to check if you have an offer.
  3. If you have an offer, your credit card limit will be displayed on the screen.
  4. Click on ‘GET IT NOW’ and enter your basic details such as your, PAN, date of birth, father’s name, occupation type, company name, marital status, and address details.
  5. Now click on ‘PROCEED’ to submit your application.
  6. After your submission, our representative will call you to complete the KYC.

After your KYC verification, your card will be sent to your residential address within 5 to 7 working days.

Note: The online process may differ depending on whether you are a new customer or have an existing relationship with us.

Applicable fees and charges

The following are the key fees and charges for the Bajaj Finserv DBS Bank 5X Plus Rewards Credit Card:

Type of fee Applicable charges

Joining fee

Rs. 999 + GST

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

•No charge for the amount due up to Rs. 100
•Rs. 99 for the total due amount greater than Rs. 100 and up to Rs. 500
•Rs. 499 for the total due amount greater than Rs. 500 and up to Rs. 5,000
•10% of the total due amount greater than Rs. 5,000 (maximum Rs. 1,299)

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

Click here to read the detailed schedule of charges and MITCs.

Click here to read product benefits and terms.

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Pre-approved offers for new customers

Both our new and existing customers can choose from pre-approved offerings. All we need is your mobile number to check.

You do not have to go through the complete application procedure if you are one of our customers who has been pre-approved. Consider it our green channel.

You might not require a card right now or might not have a pre-approved offer. You can still pick from a variety of offerings:

  • 1 million+ products on No Cost EMIs

    1 million+ products on No Cost EMIs

    Shop for electronics, gadgets, and apparel and split the bill into No Cost EMIs with the Insta EMI Card. Use this card across 1.2 lakh partner stores in 3,000+ cities.

    Check your pre-approved card limit

  • Examine your credit standing

    Examine your credit standing

    Some of the most crucial factors for you are your credit health and CIBIL Score. Get our Credit Health Report to keep your credit in tip-top shape.

    Check your CIBIL Score for free

  • Convert your medical bills into easy EMIs

    Convert your medical bills into easy EMIs

    Convert your healthcare bills for 1,000+ treatments across 1,700+ hospitals into easy EMIs with the Health EMI Network Card.

    Check your Health EMI Network Card limit

  • Insurance in your pocket to cover every life event

    Insurance in your pocket to cover every life event

    In order to cover all of your life's events, including trekking, monsoon-related illnesses, car key loss/ damage, and more, we offer more than 400 insurance covers starting at just Rs. 19.

    Discover Insurance Mall

  • Create a Bajaj Pay Wallet

    Create a Bajaj Pay Wallet

    The only four-in-one wallet in India that allows you to pay or transfer money using your digital wallet, a credit card, and UPI.

    Download Bajaj Pay

  • Start an SIP with just Rs. 100 per month

    Start an SIP with just Rs. 100 per month

    Pick from over 900 mutual funds across 40+ companies, such as SBI, Aditya Birla, HDFC, ICICI Prudential Mutual Fund, and more.

    Discover Investment Mall

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Frequently asked questions

What is unique about this credit card?

The Bajaj Finserv DBS Bank 5X Plus Rewards Credit Card comes with a range of rewards in the form of cash points on all your spends.

The card not only gives you 2 cash points on every Rs. 200 spent on all retail transactions, but you also earn:

  • When you spend a minimum of Rs. 10,000 in a month, you get 5X cash points, which means 5 times the regular cash points.

For example, if you spend Rs. 1,000 after achieving the monthly milestone, which is Rs. 10,000, you get 5 times the regular cash point, which will be 50 cash points.

  • When you make utility, bill payments and travel bookings through the Bajaj Finserv app or DBS Bank app – ‘DBS Card+ IN’, you get 10X rewards, which means 10 times the regular rewards.

    For example, if you spend Rs. 1,000 using the DBS Bank app on travel bookings, you get 10 times the regular rewards, which will be 100 reward points.
Will I receive a welcome bonus with this card?

Yes, you will receive 4,000 cash points as a welcome bonus on your Bajaj Finserv DBS Bank 5X Plus Rewards Credit Card. These cash points will be credited to your account after you pay the joining fee and transact within the first 60 days of card delivery.

What is the joining fee for the Bajaj Finserv DBS Bank 5X Plus Rewards Credit Card?
The joining fee on Bajaj Finserv DBS Bank 5X Plus Rewards Credit Card is Rs. 999 + GST.
Is there any annual fee on this card?

Yes, there is an annual fee of Rs. 999 + GST on the Bajaj Finserv DBS Bank 5X Plus Rewards Credit Card. However, this cost will be waived off next year if your annual spends are above Rs. 75,000.

What are the subscription benefits of this card?

When you pay for subscriptions such as Amazon Prime, Airtel Xtream, Wynk Music, Hindustan Times, TOI+, OTT Play and more using this credit card, you get a discount of 20% in the form of cash points which can be redeemed to make other purchases.

For example, If you take a subscription worth Rs 1000 from DBS Bank app - DBS Card + IN, you will get 20% of the subscription amount as the cash points, which is 800 cash points in this case. 800 cashpoints will be equivalent to Rs 200

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