DBS Golden Circle

exclusively for senior citizens

Golden years are meant to be spent doing what you’ve always wanted. And the last thing you want to focus on is banking.

Presenting the DBS Golden Circle program, exclusively for Senior Citizens. This program ensures banking that is convenient, seamless, and helps you grow your money. Enjoy handpicked benefits that suit your every need so that the only thing you’ll do when it’s come to your savings account is smile.

Now that’s banking, curated for Joy.

Here's why you should choose DBS Golden Circle?


High Interest Rates and Fee Waivers


Discounted rate on overdraft against FD and Deposit Loan


Tailor-made Liquidity and Payout Options on Deposits


Experience the privilege of priority services for Senior Citizens


Curated Health and Wellness Benefits*


Secured banking with cyber insurance cover of up to ₹1,00,000*

For more details please visit the branch.
*Available on booking a Fixed Deposit of minimum Rs. 5 Lakhs with tenure of at least 1 year and MAB/TRV to be maintained as per Savings Account product variant chosen as on enrollment date. The schedule of charges as per product variant is available here

Banking benefits


High interest rates – Earn up to 7% p.a. interest rate^ on DBS Bank Savings Account


Enjoy an additional 0.50% interest rate^ on Fixed Deposits


Monthly, quarterly** or cumulative interest payout on Fixed Deposits


No penalty on premature withdrawal of Fixed Deposits booked for a tenure of 1 year or more*

^T&C Apply. Rates are subject to change without prior notice from the bank. 7% p.a. interest rate on your Savings account with INR 4Llakhs – INR 5Lakhs balance.
*Applicable on FD booked on or after 1st July 2024 and premature withdrawal done at any DBS Bank branch.
**Monthly and quarterly interest payout option is available on FD booked at any DBS Bank branch

Maximize your golden years with minimum efforts


Discounted rate of 0.50%^ on overdraft against FD and Deposit Loan


Zero transaction fees for NEFT, RTGS, and duplicate statements


Enjoy unlimited free domestic ATM transactions, for seamless and convenient spending


No need to maintain monthly average balance when you book an FD of INR 2 Lakh & above for a tenor of 1 year and more


No annual charges on Debit Card


Attractive rate on Gold Loan and discount on processing fee.

^For more details please visit the branch.

Health and wellness benefits*

Invest in your greatest asset, your health.


Instant discounts on pharmacies
INR 250 p.m. on spends of INR 999 through Pharmeasy app/website


Hospicash for up to fifteen days (INR 500/day)


Avail one free OPD consultation


Comprehensive annual health check-up covering 61 tests


Get free unlimited doctor consultations over the phone with multilingual support


Cater to your health needs with six free physiotherapy sessions per year


Receive one free ambulance service


Get one free dental consultation


Experience holistic wellness with complimentary health programs such as weight management and mental health sessions.


Yoga session online – 3 sessions with Yoga instructor and weekly Yoga videos will be sent to users via WhatsApp


Up to 30% Discount on Healthcare at home


20% discount on Diabetes management program


30% discount on Sleep management program


Monthly health newsletter through email and WhatsApp

*Available on booking a Fixed Deposit of minimum Rs. 5 Lakhs with tenure of at least 1 year and MAB/TRV to be maintained as per Savings Account product variant chosen as on enrollment date. The schedule of charges as per product variant is available here
Health and wellness benefits are not applicable for Savings Account variant - SB Others and BSBDA
*Terms & Conditions apply

Additional benefits, exclusively for you


Save on locker rental with 50% discount for the first year. Know more


Choose what works for you from a range of immediate annuity products from leading life insurance companies


Resident Individuals aged 60 years and above

Existing DBS Bank Customer? Get in touch with your Relationship Manager or visit any DBS Bank branch near you to know more.

To unlock exclusive privileges, just book a Fixed Deposit worth 5 lakh and above.

*T&C Apply

Terms and Conditions

Click here for terms and conditions for DBS Golden Circle

Just a few documents, and your Savings Account will be ready

You will need your PAN card and Aadhaar card during the online bank account opening process.

Open a Savings Account online in a snap!

Enjoy Instant Onboarding with the online account opening process. It is as simple as it can get.


Visit our website or download the mobile app to open your instant DBS Bank


Keep your PAN Card and Aadhaar card ready for a smooth online onboarding process.


Enhance your account opening process with seamless Video-KYC on your internet-enabled smartphone or computer with camera and video calling features.


DBS Bank will verify your KYC details and your account will be opened at the earliest.

Get your account details on your registered email address. DBS Bank will also mail your account starter kit, debit card, and other details via post.

That is it – You are now ready to become a DBS Bank account holder.

We will process your details instantly, and you will receive your welcome kit within days. Until then, you can leverage DBS Bank’s fully online Savings Account via our Internet Banking platform to deposit money and initiate transactions.

Think, Thats All? There's more where that came from!

Whether it’s smarter savings, better investments, easy personal loans, international fund transfers - your digibank is designed to help you live better. It’s so easy, it feels like magic!

Personal Loan

Fast-track your life with instant paperless DBS Bank personal loans of up to ₹15 Lakh.

Fixed Deposit

Stay ready for every contingency and rainy days with fixed deposits at a higher interest rate.

digibank by DBS

An app for all your banking needs by Asia's Safest Bank.

Recurring Deposit

Make goal-oriented savings effortlessly at a higher interest rate!


Keep love and life undelayed with instant international transfers at no extra cost.


Through thick and thin, we’ve got you covered with health insurance plans for the family, automobile insurance and travel insurance.