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
Here's all you need to know about the Bajaj Finserv DBS Bank 5X Plus Rewards Credit Card.
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
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
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’.
Discount on subscriptions*
Get a 20% discount in the form of cash points when you buy subscriptions to Amazon Prime, Hindustan Times, Airtel Xtream, TOI+, OTT Play and more.
Airport lounge benefit
Get 4 complimentary domestic airport lounge access in a year. You can use this facility only once a quarter.
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.
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*
You can use this card to withdraw cash from any ATM across India for up to 50 days without being charged an interest.
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.
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
Shop online and offline using this credit card and earn 2 cash points on every Rs. 200 spent.
*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.
*Processing fee of 2.5% or Rs. 500 (whichever is higher) is applicable (Plus GST).
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Eligibility criteria and documents
- Nationality: Indian
- Age: 21 to 70 years
- Credit score: 720 or higher
- Employment: Must have a regular source of income
- 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 5X Plus Rewards Credit Card – First-Year-Free.
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
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
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
Up to 4% per month or 48% per annum
EMI conversion processing fee
2% of the conversion amount. Minimum of Rs. 249
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 healthcare bills for 1,000+ treatments across 1,700+ hospitals into easy EMIs with the Health EMI Network Card.
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.
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.
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.
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.
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.
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 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.
If you pay for subscriptions such as Amazon Prime, OTT Play, Airtel Xtream, TOI+, Wynk Music, and Hindustan Times 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.
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 firstname.lastname@example.org for further assistance.