Features and benefits of our 5X Rewards Credit Card
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Features & Benefits of the Bajaj Finserv DBS Bank 5X Rewards Credit Card
Here's all you need to know about the Bajaj Finserv DBS Bank 5X Rewards Credit Card.
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Welcome bonus*
As a welcome bonus, you get 2,000 cash points with this credit card, which you can redeem when you shop on the DBS Bank app – ‘DBS Card+ IN’.
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5X monthly milestone
Shop for daily groceries, apparels, 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 the DBS Bank app – ‘DBS Card+ IN’.
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Discount on subscriptions*
Get 20% discount in the form of cash points when you buy OTT subscriptions like Hotstar and more.
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Bajaj Health membership
This card comes with many complimentary benefits, one being the Bajaj Health membership, which gives you 3 teleconsultations per month at Rs. 75 each.
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Fuel surcharge waiver
Use this card to get the fuel surcharge waived off at any station across India for an amount of up to Rs. 1,200 in a year.
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Annual fee waiver
Get your annual fee waived off if you spend a minimum of Rs. 50,000 in a year using this card.
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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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*Welcome rewards would be awarded when you pay the joining fee and use the card within 60 days of issuance.
*Online subscriptions include Hotstar, Prime Video, and Zomato Pro.
*Processing fee of 2.5% or Rs. 500 (whichever is higher) is applicable.
Still haven’t found what you are looking for? Click on any of the links at the top of this page.
Eligibility criteria and documents
Anyone can get Bajaj Finserv DBS Bank 5X Rewards Credit Card as long as they meet the basic criteria mentioned below. If you meet the criteria, you will need a set of documents to complete your application process.
Eligibility criteria
- Nationality: Indian
- Age: 21 to 70 years
- Credit score: 720 or higher
- Employment: Must have a regular source of income
Details required
- PAN card number
- 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.
About DBS Bank
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How to apply for the Bajaj Finserv DBS Bank 5X Rewards Credit Card
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Applicable fees and charges
The following are the fees and charges for the Bajaj Finserv DBS Bank 5X Rewards Credit Card:
| Type of fee | Applicable charges |
Joining fee |
Rs. 499 + GST |
Renewal fee |
Rs. 499 + 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 |
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:
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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.
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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.
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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.
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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
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.
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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
Yes, you will receive a welcome bonus of 2,000 cash points on your Bajaj Finserv DBS Bank 5X Rewards Credit Card, which can be redeemed. The cash points will be credited to your account after you pay the joining fees and do a transaction within the first 60 days of card delivery.
- When you shop for groceries, gadgets, apparel etc. using this card, you get 2 cash points on every Rs. 200 you spend.
- If you spend a minimum of Rs. 10,000 on this card in a month, you will get 5X cash points.*
- You can earn 10X rewards in the form of accelerated cash points on all utility, bill payments and travel bookings that you make through the Bajaj Finserv or DBS Bank app – ‘DBS Card+ IN’.**
*You are eligible to earn only a maximum of 3,000 cash points in a month.
**You are eligible to earn only a maximum of up to 3,000 accelerated cash points per month. This will be in addition to the monthly milestone cash points.
Here are some of the attractive benefits that come with the Bajaj Finserv DBS Bank 5X Rewards Credit Card:
- You can use this card to withdraw cash from any ATM across India for up to 50 days without being charged an interest*
- If you shop for more than Rs. 2,500, you can convert the repayment amount into easy EMIs.
- Get up to Rs. 1,200 waived off on fuel surcharge in a year.
- Complimentary healthcare benefits including three teleconsultations with Bajaj Finserv Health Limited.
- Get your annual fee waived off if you spend a minimum of Rs. 50,000 in a year using this card.
- 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.
*Processing fee of 2.5% or Rs. 500 (whichever is higher) is applicable.
With the Bajaj Finserv DBS Bank 5X Rewards Credit Card, you can get complimentary health benefits such as three teleconsultations per month at just Rs. 75 each with a general physician of your choice using the Bajaj Finserv Health app.
If you pay for OTT subscriptions such as Hotstar, Voot, Gaana.com, 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 cash points to be given on the Bajaj Finserv DBS Bank 5X Rewards Credit Card in a year is 1,000. Cash points per subscription will be communicated at the time of the transaction.
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.