CREDIT CARD STATEMENT

Hello! We hope you`re enjoying the Super Life, with multiplied returns and more. The statement for your Bajaj Finserv DBS Bank 5X Plus Rewards SuperCard for
the month of January 2025 is here!

Name: Mr. ARJUN PATIDAR Card No: 418269******1002 Min.Amount Due: ` 16,443.91
Address: 14-B BRIJ VIHAR COLONY RAO NEAR RAILWAY
Indore MADHYA PRADESH - 452001 Statement Date: 14 January 2025
Email ID: PAT**********9@GMAIL.COM
Payment Due Date: 03 February 2025 Total Amount Due: ` 141,763.68
Customer GSTIN: NA

Credit Summary Credit Limit: ` 173,000.00 Available Credit Limit: ` 0.00 Cash Limit: ` 17,300.00 Available Cash Limit: ` 0.00

Statement Summary Overdue Summary Reward Summary Previous Balance +10546

Base Cash Points +768
Previous Balance ` 129,568.77 3 Months+ ` 0.00
Monthly Milestone +3000
Payments/Credits ` 129,569.00 2 Months ` 0.00
Accelerated Rewards on Memberships 0
Purchases/Debits ` 127,877.32 1 Month ` 0.00
DBS Delights 0
Current Dues ` 16,443.91
Cash Advances ` 0.00 Adjusted 0
Minimum Amount Due ` 16,443.91
Charges ` 2,707.06 Redeemed 0
Emi Amount ` 11,179.53 Expired 0

Total Amount Due ` 141,763.68 Closing Balance 14314

Bajaj Finserv Points 0
Pay Now Dealer Reward Points 0

EMI Summary

EMI No. Booked Date Amount Tenure Rate of Interest Balance Principal Outstanding Balance Interest Outstanding Balance Tenure

240406003855 06-04-2024 ` 67453.92 24 2.46 ` 32,948.20 ` 6,399.92 14

Important Messages GST Summary Amount in `

Place of supply – Same as customer communication address . Total GST CGST SGST IGST Reversal

Making only the minimum payment every month would result in the 412.95 0.00 0.00 412.95 0.00
repayment stretching over months/years with consequential compounded
interest @3.75% per month, on your outstanding balance.
Whether GST is payable under reverse charge mechanism?: No
Payment Options
Highlighted transaction can be converted into EMI by logging into the DBS
Card+ mobile app. DBS Card+ Mobile app (using Netbanking, Debit Card &
UPI)
Cash/Cheque at DBS Branches.

Domestic Transactions
Date Transaction ID Transaction Description Amount in INR Cash Points
03-01-2025 DP0150032021016PK4Z3 Digital Payment - DP0150032021016PK4Z3 19,569.00 Cr

03-01-2025 B5915123946 Digital Payment - B5915123946 110,000.00 Cr

03-01-2025 74332745004500395517328 CRED_FASTAG, BANGALORE, IN 500.00 Dr 4

03-01-2025 74332745004500394584444 PHONEPE RENTAL, BANGALORE, IN 50,737.50 Dr

04-01-2025 74766515004500597821637 RAZ*DREAMPLUG TECHNOLO, HTTPS://APPS., IN 51,273.00 Dr 512

04-01-2025 250041902146747 Rental Transaction Fee 507.38 Dr

04-01-2025 250041902146747 IGST @ 18% On Rental Transaction Fee 91.33 Dr

05-01-2025 74766515005500659067672 ING*DREAMPLUG PAYTECH, HTTPS://PLAY., IN 24,660.00 Dr 246

05-01-2025 74332745006500556901079 DREAMPLUG TECHNOLOGI, BANGALORE, IN 706.82 Dr 6

09-01-2025 339448071760021 Education fee transaction 3rd party app 5-Dec-24 199.00 Dr

09-01-2025 338433765432711 Education fee transaction 3rd party app 3-Dec-24 509.00 Dr

10-01-2025 339448071760021 IGST @ 18% On Education fee transaction 3rd party app 5-Dec-24 35.82 Dr

10-01-2025 338433765432711 IGST @ 18% On Education fee transaction 3rd party app 3-Dec-24 91.62 Dr

14-01-2025 2025011512200731 MEMI-Merchant EMI - Principal - Principal (10/24) 1,951.58 Dr

14-01-2025 2025011512200731 Merchant EMI - Interest - Interest (10/24) 859.00 Dr

14-01-2025 2025011512200731 IGST @ 18% On Merchant EMI - Interest - Interest (10/24) 154.62 Dr

14-01-2025 2025011512193831 P2E-Purchase to EMI with 24 Installments - Principal - Principal (24/24) 1,681.83 Dr

14-01-2025 2025011512193831 Purchase to EMI with 24 Installments - Interest - Interest (24/24) 36.92 Dr

GST: 27AAGCD5838A2ZS | DBS Bank India Ltd., 6th Floor, The Ruby, Ruby Corporate Park, North East Wing, 29, Senapati Bapat Marg, Tulsi Pipe Road, Dadar West, Mumbai, Maharashtra, 400028. HSN Code - 997119
Other financial services (except investment banking, insurance services and pension services).
 CREDIT CARD STATEMENT
Domestic Transactions
Date Transaction ID Transaction Description Amount in INR Cash Points
14-01-2025 2025011512193831 IGST @ 18% On Purchase to EMI with 24 Installments - Interest - Interest (24/24) 6.65 Dr

14-01-2025 2025011512193830 P2E-Purchase to EMI with 24 Installments - Principal - Principal (24/24) 2,752.42 Dr

14-01-2025 2025011512193830 Purchase to EMI with 24 Installments - Interest - Interest (24/24) 66.14 Dr

14-01-2025 2025011512193830 IGST @ 18% On Purchase to EMI with 24 Installments - Interest - Interest (24/24) 11.91 Dr

14-01-2025 2025011512193829 P2E-Purchase to EMI with 24 Installments - Principal - Principal (24/24) 4,793.70 Dr

14-01-2025 2025011512193829 Purchase to EMI with 24 Installments - Interest - Interest (24/24) 116.67 Dr

14-01-2025 2025011512193829 IGST @ 18% On Purchase to EMI with 24 Installments - Interest - Interest (24/24) 21.00 Dr

Celebrate Life with the

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important to you at your fingertips. online payment with exclusive conversions Statements
transactions offers

Never share your card Pay your dues on time. Not paying Pay your total amount Don't miss out on important
number,cvv,expiry date, them on time negatively impacts due to avoid paying notifications from us. Keep your
PIN or OTP with anyone. your credit score. finance charges. contact details updated.

In case of a no cost or 100% interest free EMI being communicated by the Merchant, DBS Bank charges full interest along with GST/taxes as applicable (on interest amount and processing fees).
For details related to Rate of Interest levied and the Discount/Cashback offer, kindly refer to the charge slip issued by the Merchant.
In case you are not satisfied with the services provided by DBS Bank, you may highlight such instances and/or register a complaint by contacting us at 1860 267 6789 .

Our 24-hour credit card service helpline is here for any assistance, queries and concerns you may have! just call our 24-hour credit card
Scan the QR code or log on to
service helpline 18602676789(local) or +91 4469046789(international) (local charges may apply), or email us at supercardcare@dbs.com.
go.dbs.com/CCMITC to know all about
the product benefits and terms,
In case you need any further help or seek further resolution, you may email the Bank's Principal Nodal Office, Ms. Anita Dixit at
Most Important Terms and Conditions
supercardnodal@dbs.com, call +91 2266147578, or write to The Principal Nodal Officer, DBS Bank India Limited, 6th Floor, Ruby Towers,
and Card member agreement
Senapati Bapat Marg, Tulsi Pipe Road, Mumbai - 400 028.

Pay Credit Card Bill Now

Yours sincerely,

Prashant Joshi,
Head, Consumer Banking Group

GST: 27AAGCD5838A2ZS | DBS Bank India Ltd., 6th Floor, The Ruby, Ruby Corporate Park, North East Wing, 29, Senapati Bapat Marg, Tulsi Pipe Road, Dadar West, Mumbai, Maharashtra, 400028. HSN Code - 997119
Other financial services (except investment banking, insurance services and pension services).
 CREDIT CARD STATEMENT
Fees and Charges Cash Advance Fees/Cash Withdrawal Charges
Bajaj Finserv DBS Bank Credit Card Variant First year fees Fees from second year onwards Cash withdrawal charges Flat fee: 2.5% of the cash amount
(Minimum `500 )
Bajaj Finserv DBS Bank 5X Rewards SuperCard `0/`499 `499
Bajaj Finserv DBS Bank 5X Plus Rewards SuperCard `0/`999 `999 The Cardmember can use the Credit Card to withdraw cash from ATMs in
India and/or overseas in accordance with the compatibility of the Credit
Bajaj Finserv DBS Bank 7X Rewards SuperCard `1,499 `1,499 Card at the said ATM(s). Cash withdrawal charges/transaction fee as
Bajaj Finserv DBS Bank 7X Plus Rewards SuperCard `1,999 `1,999 mentioned above shall be levied on all such withdrawals and would be
billed to the Cardmember in the next/forthcoming Statement. The
Bajaj Finserv DBS Bank 10X Signature SuperCard `2,999 `2,999 transaction fee is subject to change at the sole discretion of the Bank. In
Bajaj Finserv DBS Bank 10X Plus Signature SuperCard `4,999 `4,999 case the full payment is not made for cash withdrawn on Payment Due
Date, finance charges at the rate of up to 4% per month or 48% per annum
*GST as applicable on fees and charges shall be additional will be charged from date of transaction.
Add-on card issuance fee Free

Schedule of Fees and Charges

The overdue penalty/late payment fee on your card is a function Current rate
of the Total Amount Due
NIL for Total Amount Due up to `100
`99 for Total Amount Due greater than `100 up to `500
`499 for Total Amount Due greater than `500 up to `5,000
10% of Total Amount Due greater than `5,000, subject to maximum of `1,299
Over limit penalty `600
Charge slips retrieval charges `100
Card replacement (lost/stolen/re-issue/any other replacement) `200
Physical statement/re-print of physical statement fee `100
Digital statement fee prior to 2 years `100
Return payment charges (Cheque return, cheque bounce, Standing Instruction
Failure, Automated Clearing House, insufficient fund & others) `500 per instance

Cash payment at branches `250 per cash deposit done at DBS Bank branches
Surcharge on purchase/cancellation of railway tickets* IRCTC Service Charges + Payment Gateway transaction charges (up to 1.8% of ticket amount +
IRCTC service charges). Refer IRCTC website for details

Fuel transaction charge — for transaction made at petrol pumps to purchase fuel^** 1% surcharge on fuel transaction value or Rs. 10/- whichever is higher
1) Fuel surcharge waiver will be capped at 1% of the eligible fuel transaction amounts
2) GST on fuel surcharge will not be reversed
3) The surcharge waiver is applicable on minimum fuel transactions of `400 and maximum of `4,000
4) Fuel surcharge waiver capped at `100/150/200 (depending on the card variant) per billing cycle

Fee on rental transactions** 1% on transaction amount

Foreign currency transaction** (Forex markup) 3.5% of transaction amount
Cash withdrawal charges Flat fee: 2.5% of the cash amount (minimum `500)
Reward redemption Fees `99 + GST will be levied on each redemption. T&C apply
GST may be charged as may be applicable from time to time, presently the applicable GST rate
Goods and Service Tax is at 18% (applicable on all fees, interest, surcharge, and other charges)

**The definition of categories (like fuel, rent etc.) defined from time to time shall have the same meaning as ascribed to the categories by Visa or MasterCard under their respective Merchant Category
Codes. The franchisees have listed qualifying criteria for Merchant Establishments to qualify to be listed under a specified category (like Fuel, Rent etc.)

Finance Charges
Finance Charges are payable at the monthly percentage rate on all charges, including cash advances where such charges are payable from the date the Primary Cardmember and/or Add-on
Cardmember incurs such transactions until they are fully paid. Finance charges also accrue on ordering Demand Drafts, Balance Transfer from other credit card accounts. The charges are applicable
from the date of withdrawal of cash or cash equivalent and from the date of issue of the Banker’s Cheque, as the case may be. For purchases, the Finance Charges accrue only if the total outstanding is
not paid in total by the Payment Due Date. In case of Balance Transfer from other credit card accounts, Finance Charges accrue immediately from the date of issue of Banker’s Cheque on the transferred
amount and on any purchase amount outstanding on the Cardmember’s Card Account. Finance Charges that are payable are debited to your Card Account on the last date of each Statement period and
are shown on your Statement. The Finance Charges as above will continue to be payable even after the closure of the Card Account until the outstanding on the Card Account is cleared in full. These
charges can be changed based on your payment, utilization, internal risk profiling and scores on external agencies like CIBIL etc.

GST: 27AAGCD5838A2ZS | DBS Bank India Ltd., 6th Floor, The Ruby, Ruby Corporate Park, North East Wing, 29, Senapati Bapat Marg, Tulsi Pipe Road, Dadar West, Mumbai, Maharashtra, 400028. HSN Code - 997119
Other financial services (except investment banking, insurance services and pension services).
 CREDIT CARD STATEMENT

Overdue Interest on Credit Cards Minimum Amount Due (MAD) Calculation

Overdue Interest on Extended Credit Interest on Cash Advance MAD (effective November 2024 statement) is calculated as a percentage of Total Amount Due i.e., 2%
of new purchases & cash withdrawals and any previously unpaid principal outstanding+ new EMI
Monthly Rate Annual Percentage Rate Monthly Rate Annual Percentage Rate debits for the month or any previously unpaid EMI debits+ GST + Application Fee+ amount utilized
over the approved credit limit + previously unpaid MAD+ 100% Revolving Interest + 100% of Cash
3.5% - 4% 42% - 48% 3.5% - 4% 42% - 48% Withdrawal Interest + other fees/charges.

Sr.No. Charge Type Amount

Illustration A
2% of new purchases & cash withdrawals & any previously unpaid
`310
Transaction Details principal outstanding

Sr. No. Date Transaction Amount B 100% of Revolving Interest `692.72

C 100% of GST on interest `124.68
A 12-Jul-21 Purchase of electronics `6,000
D EMI (Inclusive of GST) `1,000
B 26-Jul-21 Dining out `4,000
Total (A+B+C+D) `2,127.40
C Total Amount Due: `10,000
2-Aug-21 Statement date
D Min. Amount Due: `500
E 10-Aug-21 Purchase of groceries `4,000 Charges in Case of Default
F 15-Aug-21 Purchase of clothes `2,000 LPF Calculation
G 22-Aug-21 Payment credit `500 The Overdue Penalty/ Current Rate
Late Payment Fee on your
H 2-Sep-21 EMI (1/3, inclusive of GST) `1,000 card is a function of the NIL for Total Amount Due up to `100
Total Amount Due: `17,192.72 Total Amount Due `99 for Total Amount Due greater than `100 and up to `500
2-Sep-21 Statement date
Minimum Amount Due: `2,127.40 `499 for Total Amount Due greater than `500 and up to `5,000
Interest on the Amount Due will be charged as below: 10% of Total Amount Due greater than `5,000, subject to maximum of
Daily Interest = Outstanding amount *(3.5%*12 months)/365 `1,299
*Total Amount Due includes outstanding amount, new purchases, interest charges (interest
calculation illustrated below) and applicable Goods and Services taxes on interest.

Interest Calculation Transaction Details

Transaction Amount Period No. of Days Amount Sr.No. Date Transaction Amount
`6,000 12-Jul-2021 - 21-Aug-2021 41 `283.07 A Total Amount Due: `17,192.72
2-Sep-21 Statement Date
`4,000 26-Jul-2021 - 21 Aug-2021 27 `124.27 B Minimum Amount Due: `2,127.40
`4,000 10-Aug-2021 - 02-Sep-2021 24 `110.47 No Payment has been made by 24-Sep-2021
`2,000 15-Aug-2021 - 02-Sep-2021 19 `43.73 C 22-Sep-21 Late Payment Fees on 25-Sep-21 `1,299
`9,500 (remaining balance after D 22-Sep-21 GST on LPF `233.82
adjusting payment of `500) 22-Aug-2021 - 02-Sep-2021 12 `131.18
Total (C+D) `1,532.82

"Thus, the total interest charged (Finance Charge + Deferred finance charges would be:
`692.72/-. As the Cardmember has not paid the previous month's outstanding balance in full, all
future transactions will bear interest from the day of transaction. Applicable Goods and Service Annualized SNP (EMI) Interest Rate
Tax will be levied on the Interest Amount.”
Transactor Up to 29.5%
Revolver Up to 39%

Interest Free (grace) Period

Illustrated with examples the interest free (grace) period could range between 20 to 50 days. However, such grace period is not applicable, if the previous month’s balance has not been cleared in full.
Illustration: For an Account whose Statement Date is 20/11/2016, the Payment Due Date is 10/12/2016,which is 20 days from the Statement Date, is called interest free grace period.
For an account with Statement Date of 20/11/2016 and Payment Due Date of 10/12/2016, if the Total Amount Due is `10,000 and only a partial payment of `5,000 is made till the payment due date, then
the interest free grace period will not be applicable in the next statement cycle as the previous statement outstanding balance has not been paid in full.

Withdrawal Limits
(a) Credit Limit: Credit Limit is the maximum limit assigned to the Cardholder. The Credit and Cash limits will vary for each Cardholder and will be communicated at the time of delivery of the card & are
also indicated in the monthly statement.
(b) Available Credit Limit: The Available Credit Limit is calculated by deducting the utilized limit from the Total Credit Limit. The credit and cash limits will vary for each cardholder and will be disclosed in
the monthly statement.
(c) Cash withdrawal limit: Cash Limit is the subset of the Total Credit Limit assigned on the card. The limit will be communicated at the time of delivery of the card & are also indicated in the monthly
statement. The cash limit will be made available to the card member by DBS Bank at its sole discretion and on such terms as may be communicated by DBS Bank from time to time.
(d) In case where multiple credit cards are mapped to one Customer for the same Credit Card Account, total spends can be done only up to the combined aggregate limit calculated over all the credit
cards cumulatively It is clarified that the aggregate credit limit has been defined as the maximum limit across all the credit cards held by the customer. Any transactions done more than the aggregate
credit limit shall be declined.
(e) Credit Limit and Card Account will be terminated if your Card is cancelled.
(f) In the event you make payment over and above the amount due as per the monthly Statement, you shall not be entitled to interest on the credit balance and the same shall be adjusted against the
amount due in the subsequent monthly Statements.
(g) The Bank at its sole discretion, may decrease the cardmember’s credit limit based on internal review and will inform the cardmember of the same as and when exercised. Further, any increase in the
credit limit will be undertaken with prior consent from the cardholder.
(h) Usage of Credit Card is subject to applicable laws, including but not limited to any transactions carried outside India must be made in accordance with Foreign Exchange Management Act, 1999 and
RBI guidelines and for any non-compliance or failure to do so, you shall be liable of penal action.
(i) With a view to ensure that the Credit Card is being used as per the regulatory guidelines, Terms and Conditions and applicable policies of the Bank, Bank shall have a right to run periodic checks on
the Credit Card usage to identify whether there is excessive utilization of credit limit beyond the sanctioned limit in one statement cycle, unusual or excessive utilization at few select merchants, possible
collusion with merchant and/or usage towards non-personal/ business related requirements, over-use/misuse of features/offers/programs towards accumulation of undue reward points/cash back/ other
benefits amongst others. Based on the usage patterns, if any of these is suspected by the Bank, Bank may take restrictive action on the Credit Card. Such action can be with immediate effect and may
include but not be limited to withdrawal of features/benefits as well as suspension/ complete termination of the Credit Card. If any such action is taken by the Bank onus will be on Cardmember to provide
satisfactory proof of bonafide usage to reinstate the Credit Card and attached features/benefits as may be deemed fit by the Bank. Bank’s decision in this regard shall be final and binding on the
Cardmember.

GST: 27AAGCD5838A2ZS | DBS Bank India Ltd., 6th Floor, The Ruby, Ruby Corporate Park, North East Wing, 29, Senapati Bapat Marg, Tulsi Pipe Road, Dadar West, Mumbai, Maharashtra, 400028. HSN Code - 997119
Other financial services (except investment banking, insurance services and pension services).
 CREDIT CARD STATEMENT

Billing
(i) Billing Statement
The Bank will send at customers mailing address, a statement once a month for each billing period (hereinafter “Statement”) during which there is any transaction or outstanding on the Card Account. The
Bank may choose to send the Statement through one or more of the following modes: - Post, Email, SMS, or other platform-based messaging like Whatsapp, etc. It shall be the responsibility of the
Customer to access and view their credit card e-statements via mobile app or net banking. The Bank reserves the right to not send physical statements by mail / courier to customers who have an
outstanding balance less than `100. Such Cardmembers, however, can access their statements online and avail of e-statements. The Cardmember can also request for a physical statement by
submitting request at DBS service channels. In case of any change in Cardmember’s communication address, they are advised to contact the Bank immediately to ensure that they receive Statements
regularly and on time.
The monthly statement of account will be available for a period of 12 months post which it would be purged at bank’s end. Cardmember can request for duplicate statements subject to payment of service
fee which will be communicated as part of fees & charges.
(ii) Minimum Amount Payable
All Bank Credit Card(s) may offer the Cardmember(s) a revolving credit facility, wherein the Cardmember(s) may choose to pay only the Minimum Amount Due (MAD) as indicated on the Statement. The
Total Payment Due (TAD) from the Cardmember or the MAD should be paid by the Cardmember on or before The Payment Due Date, which is also indicated on the Statement. MAD is the minimum
amount you are required to pay to keep your Card Account in good credit standing.
Minimum Amount Due (MAD) is calculated as a percentage of Total Amount Due i.e., 2% of new purchases and cash withdrawals and any previously unpaid principal out standing + new EMI debits for
the month or any previously unpaid EMI debits + GST + ApplicationFee + amount utilised over the approved credit limit + previously unpaid MAD + 100% Revolving Interest + 100% of Cash Withdrawal
Interest + other fees/charges.
In the event the Card Member deposits part of the Total Payment Due or the MAD (not less than the MAD under any circumstance), the balance outstanding amount payable shall be carried forward to
subsequent Statements. This amount will attract Finance Charges until the date of full and final payment. Please note that paying only the Minimum Amount Due every month will result in the repayment
stretching over a long period with consequent interest payment on Card Member’s outstanding balance.
Important Note: Making only the minimum payment every month would result in the repayment stretching over months/years with consequential compounded interest per month applicable on your
outstanding balance as indicated in the Key Facts Statement.
Illustration: If a Card Member spends `5,000 and pays exactly the Minimum Amount Due every month, then it may result in the repayment stretching over 6 years with consequent interest payment on
the outstanding amount.

Method of Payment
The Cardholder has the benefit of the following modes of payment to the bank:
1. Pay using Credit Card Mobile App: Cardmember can make payments at their convenience using DBS Card+ Mobile App/ Other credit card apps (if available). Customer can manage their account and
make payments to their Card instantly using other bank account.
2. Online Payment: Cardmember can make their Credit Card payment instantly using other bank accounts to pay their Card outstanding and receive confirmation for their Payment instantly.
3. Cash/Cheque payment: Cash/cheque payments can be made at any DBS Bank branches.
4. NEFT: Customers can pay using other bank Internet Banking facility. Add DBS Credit Card in the beneficiary section with 16-digit DBS Credit Card number, IFSC - DBSS0IN0811, branch details at the
time of beneficiary registration for fund transfer.
5. IMPS: Customers can pay using other bank account. Add DBS Credit Card in the beneficiary section with 16-digit DBS Credit Card number, IFSC - DBSS0IN0811, at the time of beneficiary addition.

Grievance Redressal Escalation

Cardmembers can contact our Customer Care (only for Credit Cards): Contact our 24-hour credit card service helpline number 1860 267 6789 or our overseas customer service number +9144
69046789 or write to us at supercardcare@dbs.com. If, at any stage, you feel that our service levels are not up to your expectations, here is what you can do:
a. Level 1: You can contact us by calling on our Customer Care number 1860 267 6789 or write to us at supercardcare@dbs.com.
a. In case you are not satisfied with the resolution provided under Level 1, you can escalate the complaint and write to the Principal Nodal Officer, Ms Anita Dixit, DBS Bank India Limited, 6th Floor, Ruby
House, JK Sawant Marg, Dadar West, Mumbai, Maharashtra 400028, India or email at supercardcare@dbs.com. In your communications, kindly provide your registered mobile number and details of your
complaint or feedback.
b. For more details, you can visit the Bank’s grievance policy available on the Bank’s website: https://www.dbs.com/in/treasures/common/redressal-of-complaints-and-grievances.page
For more details on compensation policy, you can visit: https://www.dbs.com/in/iwov-resources/pdf/forms-and-legal/compensation-policy.pdf
The grievance policy will help you with the contact details, timelines, and escalation levels for you to lodge your complaints. In case, you are not happy with the resolution provided by the Bank, the policy
also guides you on the process and how to approach Ombudsman.

Billing Disputes Resolution

All contents of the Statement(s) will be deemed correct and accepted by the Cardmember(s) unless, within 30 days of the issue of Statement, the Cardmember(s) informs the DBS Bank of any
discrepancies in writing, failing which it would be construed that all the charges indicated on the Statement are in order. As per the RBI regulation, in case of a discrepancy, it is mandatory to inform the
bank in writing to initiate a Charge Dispute on your behalf. If the aforesaid discrepancies are prima facie found to be legitimate by the Bank, the Bank may reverse the charge on a temporary basis until
the completion of subsequent investigations by the Bank to its full and final satisfaction. If the said investigations conducted by the Bank indicate that the liability of such (discrepancies) charges is
accruing to the said Cardmember(s), then the charge will be reinstated in the subsequent Statement and fees/charges shall be claimed by the Bank in accordance with the charges indicated herein above.
Notwithstanding the provisions 13 herein, the Bank shall not exceed duration of 60 days in informing the said Cardmember(s) of the result of the investigations conducted by the Bank. The Cardmember
can reach out to the Bank for dispute through any of the below mentioned ways:
a. Email: The Cardmember can send an email to supercardcare@dbs.com with last four digits of your credit card number, registered mobile number and dispute details.
b. Toll free number: The Cardmember can contact the Bank on our 24 hours Customer Service number: 1860 267 6789 or our Overseas Customer Service number +9144 69046789.

Loss/Theft/Misuse of Card
Procedure to be followed in case of loss/ theft/ misuse of card. The Cardmember should block the card immediately, using DBS Card+ Mobile app or web portal: Follow these simple steps to block your
card via DBS Card+ mobile app: Cards > Controls > Temporary Block. Alternatively, customer can call DBS Card 24x7 Toll Free number: 1860 267 6789, or write and email to us
on supercardcare@dbs.com or the customer may visit the nearest DBS Bank branch in the event the Credit Card is lost, stolen, not received, swallowed at an ATM of DBS Bank or any other Bank, or is
being misused without his/her respective permission. The Credit Card thereafter will be blocked and suspended. In addition, in case of loss / theft / misuse, the Cardmember must file the Police
Complaint/First Information Report (FIR), a copy of which should be forwarded to the Bank.

Complete Postal Address of Card-Issuer Disclaimer

DBS Bank India Ltd, 6th Floor, The Ruby, Ruby Corporate Park, DBS Bank will never ask for card CVV/CVC/security code, PIN, OTP or password to offer any deals, services, products, gifts,
North East Wing, 29, Senapati Bapat Marg, Tulsi Pipe Road, Dadar vouchers, Cash Points, activation or cancellation of card. Kindly ignore such requests on call/SMS/email. You should ensure not to
West, Mumbai, Maharashtra, 400028, India. share or disclose card number/CVV/CVC/security code, PIN, OTP, or password with any other person.

GST: 27AAGCD5838A2ZS | DBS Bank India Ltd., 6th Floor, The Ruby, Ruby Corporate Park, North East Wing, 29, Senapati Bapat Marg, Tulsi Pipe Road, Dadar West, Mumbai, Maharashtra, 400028. HSN Code - 997119
Other financial services (except investment banking, insurance services and pension services).