Applying for a DBS credit card is a seamless process, whether you’re in Singapore or India. DBS Bank offers a range of credit cards with exclusive rewards, cashback, and travel benefits. This guide covers everything you need to know—from eligibility to application steps—ensuring a smooth approval process.
Why Choose a DBS Credit Card?
DBS credit cards come with exclusive perks, including:
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Reward points on every spend (e.g., DBS Spark offers 2 cash points per ₹200) 6.
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Travel benefits like airport lounge access (DBS Vantage provides unlimited access) 6.
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Low forex markup fees (0% in Singapore for DBS Vantage) 6.
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Instant EMI conversion for large purchases 6.
Eligibility Criteria for DBS Credit Card
1. For Singapore Applicants
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Age: 21–70 years for principal cardholders 12.
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Minimum income:
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S$30,000/year for Singaporeans/PRs.
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S$45,000/year for foreigners 12.
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Valid work pass (Employment Pass, S Pass, etc.) for foreigners 5.
2. For India Applicants
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Age: 21–70 years 9.
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Creditworthiness as per bank policies 9.
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PAN & Aadhaar card mandatory 9.
A checklist showing eligibility requirements for a DBS credit card.)
Documents Required
Singapore Applicants
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NRIC (front & back) or passport (for foreigners) 5.
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Latest payslips (3 months preferred) or bank statements 5.
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Proof of address (utility bill for new customers) 5.
India Applicants
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PAN card & Aadhaar (for KYC) 9.
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Income proof (salary slips, ITR) if required 6.
A table comparing document requirements for Singapore and India applicants.)
How to Apply for a DBS Credit Card (Step-by-Step Guide)
Option 1: Online via digibank (Singapore & India)
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Log in to digibank mobile/app 2.
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Go to “Apply” > “Credit Cards”.
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Select your card (e.g., DBS Spark or Vantage).
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Enter details (preferred name, promo code if any).
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Set a PIN and submit 2.
A smartphone screen showing the digibank app’s credit card application page.)
Option 2: Via DBS Website (New Customers)
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Visit DBS Credit Card Page.
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Click “Apply Now” on your preferred card.
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Log in via Singpass (Singapore) or PAN (India).
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Fill in details and upload documents.
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Submit & wait for approval (5 working days in Singapore) 26.
A laptop screen displaying the DBS credit card application form.)
Option 3: For Existing DBS Customers (Instant Approval)
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If your salary is credited to DBS, no extra documents are needed 5.
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Use Singpass (Singapore) or MyInfo for instant approval 5.
Approval & Card Delivery
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Singapore: Approval in 5 working days, delivery in 1 week 2.
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India: Card arrives in 7 days post-approval 9.
A mailbox with a DBS credit card delivery envelope.)
Tips for Instant Approval
✅ Maintain a good credit score.
✅ Ensure salary is credited to DBS (for Singapore applicants) 5.
✅ Use Singpass/MyInfo for faster processing 5.
Comparison: Best DBS Credit Cards
| Card | Annual Fee | Rewards | Best For |
|---|---|---|---|
| DBS Spark | ₹499 | 2 cash points/₹200 spent | Cashback lovers |
| DBS Vantage | ₹50,000 + GST | 4-8 reward points/₹200 spent | Frequent travelers |
A comparison infographic of DBS Spark vs. DBS Vantage credit cards.)
FAQ
1. Can I apply without a salary slip?
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In Singapore, you can use Singpass for auto-fill 5.
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In India, PAN & Aadhaar may suffice 9.
2. How long does approval take?
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Singapore: 5 days 2.
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India: 2-3 weeks 7.
3. Can I get a pre-approved DBS credit card?
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Yes, if you’re an existing customer with a good banking relationship 14.
Conclusion
Applying for a DBS credit card is quick and hassle-free, especially if you’re an existing customer. Whether you’re in Singapore or India, follow the steps above for a smooth application.
Ready to apply? Visit DBS Official Site now!
(Image Prompt: A happy customer using a DBS credit card at a retail store.)
