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About Bajaj Finserv DBS Bank SuperCard Statement

Your Bajaj Finserv DBS Bank SuperCard statement is an important document and you must go through it without fail. The DBS credit card statement is generated at the end of each billing cycle, and you get an overview of all the transactions pertaining to your card for that time period.

 

Remember to check your DBS card statement every month as this is an important part of managing your financial health. Verify that your outstanding amount and the due date are accurate.

 

To learn more about your DBS credit card statement and how to download it, read on.

How to Understand Your Bajaj Finserv DBS Bank SuperCard Statement Better

You can expect the DBS Bank credit card statement to contain the following:

1. Personal Details

This section consists of your name, contact details, and account details. Ensure that this information is accurate because your use of a credit card also influences your creditworthiness. Inaccuracy in personal information may result in your credit actions not being reflected in your credit score. 

2. Summary of the Activity

Here you will find a summarised version of all the transactions that took place under your card. It contains the opening balance (if any), debit transactions, credit transactions, charges and fees. Through this information, your total amount due is calculated. 

3. Total and Available Credit Limit

Your total credit limit refers to the maximum amount you can spend through your card. Your available credit limit is the amount of credit you can actually use. These limits are different if you have any outstanding dues on your card.

 

This is because the available limit is determined after deducting the dues from your total limit. Your credit limit will be restored as you make the payment for your outstanding balance. If you make a partial payment, your available credit limit will increase by that amount. 

 

Subsequently, if you use your card for any purchase or if you are charged any fees or interest, the credit limit will decrease by that amount. It is important to ensure that you do not go beyond your limit or even reach the maximum amount. This will help maintain your finances and creditworthiness.

4. Total and Minimum Amount Due

When it comes to your credit card statement, DBS Bank does provide an accurate date regarding the total and minimum amount due. The total amount due is calculated by considering all the transactions, charges, and fees on your card. 

 

The minimum amount due is a fraction of the total amount. By the end of the due date, you should pay at least the minimum due, if not the total due amount. When you pay at least the minimum amount before the due date, you reduce your total debt and avoid paying late fees.

5. Comprehensive Transaction List

This section of your statement will contain a detailed list of all the debit (purchases), credit (refunds), bank charges, and fees charged to your card. It is important that you thoroughly review these transactions and their details to ensure accuracy and report any unauthorised or suspicious transactions.

 

You can verify these transactions by logging into your card account and checking your mail/SMS for transaction alerts. If you notice any suspicious transactions or billing errors, notifying the issuer at the earliest is important to make sure you are not charged unnecessarily.

6. Rewards or Cashback

The Bajaj Finserv DBS Bank SuperCard comes with an exciting range of rewards that you can avail of by using your card. In some instances, you may also receive cashback on the transaction done through your card. 

 

Both of these benefits can reduce the financial load of your total dues as you can redeem them and reduce the amount you actually have to pay. Make sure to read the terms and conditions to know when and how you can redeem it.

7. Billing Cycle and Due Date

This information is mentioned in the statement issued at the end of every billing cycle. You can find your DBS credit card statement date easily as it will be clearly listed alongside the billing cycle and due date. These are vital pieces of information to look for before paying your bills. It enables you to know which transactions are included and ensure that you do not miss the due date. 

8. Fees, Interest, Other Charges

Depending on the terms and conditions of your card, your payment amount, date, and other factors, the issuer may levy certain charges to your card. These charges are also included in your total amount due. 

 

You can verify these charges by going through the terms and conditions. You can even contact customer care if you have any questions and get clarification on why the charge was levied. In case of an error, you can raise a dispute.

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How to Check Your Bajaj Finserv DBS Bank SuperCard Statement

Checking your DBS card statement is easy and can be done in a few ways. As a Bajaj Finserv DBS Bank SuperCard holder, your statement will be sent to the address mentioned in your account. Alternatively, your statement will also be sent to you via email, SMS, or even WhatsApp. 

 

Apart from that, you can also check your Bajaj Finserv DBS Bank SuperCard statement through the following steps:

  • Step 1: Log in to your account through the website or app.

  • Step 2: Go to the statement section.

  • Step 3: Select the statement period.

  • Step 4: View and/or download the statement.

 

Keep in mind that your Bajaj Finserv DBS Bank SuperCard statements are password protected. The DBS bank credit card statement password will be mentioned in the email through which you have received the statement. Make sure you do not disclose this password and other card information to anyone to avoid misuse.

How is the Minimum Amount Due Calculated?

The calculation of the minimum amount due (MAD) for the billing cycle may vary depending on the issuer.  For your Bajaj Finserv DBS Bank SuperCard, the MAD is calculated by the following information: 

  • 5% of the outstanding principal 

  • Sum of EMIs

  • Any other charges and fees

  • Previous outstanding dues 

 

Although paying just the minimum amount due is an option, ensure that you resort to it only when you absolutely need to. This will help you avoid having to repay your debt over a stretched period and also the interest rates and other charges associated with it.

How to Switch to Bajaj Finserv DBS Bank SuperCard E-Statement

Although the Bajaj Finserv DBS Bank SuperCard statement will be sent to you via SMS or email, you can opt for it if you don’t receive it by default. The steps for that are:

  • Visit the website/ app

  • Login to your account

  • Request statement for the period you wish

  • Download and view the statement

 

Keep in mind that only 12 months of statements will be made available. If you want to view the statement beyond this period, you can do so by paying the charges applicable. The charges for accessing your statement are mentioned in the terms and conditions of your card.

How to Manage Errors in Your Bajaj Finserv DBS Bank SuperCard Statement

In case you notice any errors in your Bajaj Finserv DBS Bank SuperCard statement, you can raise a dispute through email - supercardcare@dbs.com or dialling 18602676789 for local customer service or +914469046789 for help if you are currently overseas.

 

Ensure that you have the information for your card and dispute at hand and provide it as and when needed for a seamless resolution. In case you are unsatisfied with the resolution, you can escalate the dispute by writing to the DBS Bank Nodal Officer in the following ways:

  • Post - Principal Nodal Officer, DBS Bank India Limited, 16th Floor, Express Towers, Nariman Point, Mumbai – 400 021 

 

An important thing to ensure for managing the errors is that you raise the dispute in accordance with the terms and conditions. For errors in your Bajaj Finserv DBS Bank SuperCard statement, you need to raise the dispute within 30 days of issuance. Post this, all the information in your statement will be presumed to be correct.

FAQs on Bajaj Finserv DBS Bank SuperCard Statement

Do I need to register to view my Bajaj Finserv DBS Bank SuperCard statement?

If you have already registered on the app or the website, you do not need to register separately for your statement. If you have not, you will have to register with the required information.

Will I be charged for printing my Bajaj Finserv DBS Bank SuperCard statement?

Yes, depending on whether it is a reprint or a fresh print, you may have to pay a nominal fee. 

Is there a grace/interest free period in Bajaj Finserv DBS Bank SuperCard?

Yes, there is a grace period with Bajaj Finserv DBS Bank SuperCard, and it will be mentioned in your statement. Remember that the grace period is only applicable if you have paid previous dues in full.

What are the charges levied on my Bajaj Finserv DBS Bank SuperCard?

Every issuer levies charges depending on the card you have and the terms of your card. For your Bajaj Finserv DBS Bank SuperCard, you may be charged for cash withdrawal, late fees, overdue penalties, annual fees, and more. 

What is the validity of the Bajaj Finserv DBS Bank SuperCard statement issued via email/SMS?

You can access your statement sent via email or SMS at any time you want by entering the password mentioned in the communication. 

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