Card Details
DBS Spark Credit Card
Card Issuer
DBS Bank
Joining Fee
₹499
Annual Fee
₹499
Reward Type
Reward Points
Card Access
Standard
Earn Points
2 Cp/₹200
Base earn rate
10X
Spark10 online spends > ₹15,000/month
20X
Spark20 utility, dining & grocery spends > ₹20,000/month
10X
On eligible online spending with spark20 after ₹20,000 monthly spend
Benefits
Milestone-based accelerators up to 20X bonus…
- Earn 2 Cash Points per ₹200 on eligible transactions
- Three variants offer different accelerated reward milestones
- 20X bonus Cash Points on utility, dining & grocery (Spark20)
Quarterly domestic lounge access across Spark…
- Up to 2 complimentary domestic lounge visits per quarter
- Domestic lounge access at select airports
BookMyShow buy-one-get-one movie ticket offer
1% fuel surcharge waiver
Things to Keep in Mind
Multiple benefits are marked T&C apply.
Lounge access is limited to select domestic airports.
Milestone bonus rewards are threshold-based and capped by variant.
Annual fee waiver and welcome bonus are applicable on fee-based cards only.
The official DBS page and CardInsider differ on Spark20 rewards for other online spending; the official DBS page states 10X.
Joining and annual fees vary by variant: ₹499 for Spark5, ₹999 for Spark10, and ₹1,499 for Spark20.
