Is the Bajaj Finserv DBS Bank Credit Card Worth It? Full Review & Benefits

Bajaj Finserv DBS Bank Credit Card: Looking for a credit card that offers simple cashback, affordable EMIs, and digital convenience? You’re not alone, co-branded cards are booming in credit card segment that fit modern, flexible lifestyles. The Bajaj Finserv DBS Bank Credit Card is a product of the Bajaj Finserv–DBS Bank partnership, promising an attractive mix of rewards, app-based tracking, and lifestyle perks. Here’s an in-depth, review to help you decide if this card matches your financial needs and lifesytle.

1. Key Features at a Glance

2. Detailed Benefits Breakdown

Cashback, Rewards & Savings

• Simple Rewards: Get 2 cash points per ₹200 on standard spends (excl. fuel/cash).
• Accelerated Rewards: Hit ₹10,000/month, unlock 5X rewards (via milestone), or use the DBS Cards+IN app for up to 10X points (max 3,000 bonus/month).
• Down Payment Cashback: 5% cashback on no-cost EMI loans at Bajaj partner stores (subject to current offers and T&Cs).

EMI & Payment Flexibility

• EMI Conversion: Easily convert big-ticket purchases (above ₹2,500) into affordable EMIs through Bajaj Finserv.
• Interest-Free Cash: Access short-term, low-cost loans against your card limit.

Lifestyle & Utility Perks

• Complimentary Airport Lounge: Enjoy up to 2 free domestic lounge visits annually (variant-dependent).
• DBS Digibank App: Track rewards, cashback, statements, and manage card settings from your phone.
• Bajaj Health Prime: Complimentary digital health plan for teleconsultations, diagnostics, and pharmacy discounts for 12 months.

3. Fees & Charges

4. Pros & Cons

5. Who Should Get This Card?

This card is ideal for:

• Professionals and salaried individuals who pay monthly utility bills, shop online, or want cashback on daily spends.
• Budget-savvy users who like tracking/spending insights in an app.
• Existing Bajaj Finserv EMI users and digital-first users wanting “one card for all needs.”

Not ideal for:

• Heavy international travelers who want lounge and premium travel rewards.
• High-spending luxury seekers chasing unlimited uncapped rewards.

6. Application Process

• Where to Apply: Online via DBS Digibank app, Bajaj Finserv website, or select partner portals.
• Eligibility:
  • Indian citizen, age 21–70
  • Stable income, PAN & Aadhaar required
  • Good credit score (700+ preferred)
• Process Steps:
  1. Fill digital form and check eligibility online.
  2. Enter basic PAN, Aadhaar, and income details.
  3. Upload documents, complete e-KYC or video KYC (no physical docs).
  4. Approval within days; virtual card available instantly, physical card dispatched in ~7 days.

7. Alternatives to Consider

8. Conclusion

Verdict:
The Bajaj Finserv DBS Bank Credit Card delivers an excellent digital-first experience for Indian professionals. With moderate annual fees, cashbacks, practical rewards, and instant EMI conversion—plus app control and health perks—it’s a solid choice for the financially savvy and first-timers alike. Not a match if you want premium global travel privileges or uncapped luxury rewards, but a great fit for practical, everyday users.

9. FAQs

Q: Is the Bajaj Finserv DBS card good for fuel purchases?
A: You get a 1% fuel surcharge waiver on spends of ₹400–₹4,000 (max ₹100 per month). No reward points on fuel.

Q: How do I track my cashback?
A: Track all cashback, reward points, and transactions in real time via the DBS Digibank/DBS Cards+IN app.

Q: Can I convert big purchases into EMI?
A: Yes, purchases over ₹2,500 can be converted to easy EMIs through Bajaj Finserv.

Q: Does the card offer international benefits?
A: The card is accepted globally but charges a 3.5% forex markup and has limited international perks (no lounge overseas).