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Features and benefits of our 5X Plus Rewards Credit Card - First-Year-Free

Features & Benefits of the Bajaj Finserv DBS Bank 5X Plus Rewards Credit Card FYF 00:51

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

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

  • First-year-free

    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.

  • 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.

    *Rental, wallet, fuel, utilities and cash withdrawal transactions would not be considered in milestone calculation.

    Customer is eligible for accelerated rewards for spends on utilities on 3in1 App and DBS App.

  • 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 except for air travel using the Bajaj Finserv app or DBS Bank app – ‘DBS Card+ IN’.

  • Flat Rs. 200 cashback

    Flat Rs. 200 cashback

    Apply for the Bajaj Finserv DBS Bank Credit Card and get Rs. 200 cashback. Submit your application successfully on the Bajaj Finserv app to be eligible for the cashback. Rs. 200 is credited to your Bajaj Pay Wallet within 15 days of digital card creation.

  • Discount on subscriptions*

    Discount on subscriptions*

    Get a 20% discount in the form of cash points when you buy subscriptions to Amazon Prime.

  • Airport lounge benefit

    Airport lounge benefit

    Get 4 complimentary 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.

  • 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 an interest. A processing fee of 2.5% or Rs. 500 (whichever is higher) is applicable.

  • Annual fee waiver

    Annual fee waiver

    Get your annual fee waived off if you spend above 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.

  • *Rewards will not accrue on rental, wallet transactions, fuel, and utility spends. Customer is eligible for accelerated rewards for spends on utilities on 3in1 App and DBS App.

    *On EMI conversion, rewards on original transaction will be reversed.

    *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.

    Still haven’t found what you are looking for? Click on any of the links at the top of this page.

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Eligibility criteria and documents

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 Finance to get the Bajaj Finserv DBS Bank 5X Plus Rewards Credit Card – First-Year-Free.

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?

    Your cash points are valid for 2 years from the date of accrual

How to apply for the 5X Plus Rewards Credit Card – First-Year-Free

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

  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 - First-Year-Free

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

•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:

  • 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

  • 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

  • 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 the joining fee on the Bajaj Finserv DBS Bank 5X Plus Rewards Credit Card - First-Year-Free?

This card has no joining fee.

Is there any annual fee associated with this card?

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.

How many times can I access the airport lounge?

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.

What are cash points?

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 adds up to Rs. 0.25. 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.

What are the other subscription benefits on this card?

If you pay for subscriptions such as Amazon Prime using this card, you get a 20% discount in the form of cash points.

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.

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.

How do I cancel my Bajaj Finserv DBS Bank 5X Plus Rewards Credit Card - First-Year-Free?

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.

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