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The DBS Spark Credit Card offers three variants, namely Spark5, Spark10, and Spark20. Each card comes with its own set of fees and benefits, with Spark20 offering the highest fees and benefits. The Spark5 Card is available at a modest fee of Rs. 499, while the Spark10 Card costs Rs. 999, and the Spark20 Card comes with a joining charge of Rs. 1,499. All three variants of the card allow you to earn 2 Cash Points for each spend of Rs. 200. Moreover, accelerated Cash Points can be earned after reaching the monthly spending limit. Additionally, there are also travel benefits with this card. All three variants offer free domestic lounge access.

This card is a must-have for anyone looking for an affordable and reasonable credit card with customizable benefits and attractive features such as Buy One Get One on movies. To learn more about the fees, benefits, and features of this card, please keep reading our review of the DBS Spark Credit Card.

DBS Spark Credit Card


Joining Fee

Rs. 499 + GST

Renewal Fee

Rs. 499 + GST

Best Suited For

Shopping |

Reward Type

Reward Points |

Welcome Benefits

2500 Cash Points

Movie & Dining

BOGO on Movie Bookings

Rewards Rate

2 Cash Points/Rs. 200 Across All Three Variants

Reward Redemption

1 Cash Point = Rs. 0.20. Redemption at DBS Delights





Domestic Lounge Access

One Free Visit Each Quarter (4 Per Year)

International Lounge Access


Insurance Benefits


Zero Liability Protection

Cardholder Will Not Be Liable for Any Fraudulent Transaction if the Card is Reported Lost or Stolen to the Bank in a Timely Manner

Spend Based Waiver

Renewal Fee at Spends of Rs. 1,50,000

Rewards Redemption Fee

Rs. 99 + GST

Rewards Redemption Fee

Rs. 99 + GST

Foreign Currency Markup


Interest Rates

3.5% - 4% Per Month (42% - 48% Per Annum)

Fuel Surcharge

1% Fuel Surcharge Waiver

Cash Advance Charges

2.5% of the Amount Withdrawn

Add-on Card Fee


  • This card comes with three variants, which can be availed at a fee of Rs. 499, Rs. 999, and Rs. 1,499.


  • With the Spark Credit Card, customers can choose the variant that is most suited for them and opt for it. This card provides customers with the flexibility to choose options according to their budgets and needs.


  • No international lounge access is offered with this credit card.

DBS Spark Credit Card Benefits

Let us have a look at the different benefits and features of the three variants of the DBS Spark Credit Card.

Free Airport Lounge Access

Each variant has different fees and benefits, including the number of free domestic lounge visits. International lounge access is not offered with all three variants of the Spark Card.

Card Variant Domestic Lounge Access (Each Quarter) International Lounge Access
Spark5 1 N/A
Spark10 1 N/A
Spark20 2 N/A

DBS Spark Credit Card Cash Points

Customers can earn 2 Cash Points on each spend of Rs. 200 across all the variants of the Spark Credit Card. Some categories, such as Fuel, Wallet Load, Jewellery, Rent, EMI transactions, and balance transfer, are not eligible for earning Cash Points.

Monthly Milestone Benefits

Variant Monthly Spends Accelerated Cash Points Monthly Cash Point Capping
DBS Spark5  Rs. 10,000 5X Cash Points on Eligble Spends 3000
DBS Spark10 Rs. 15,000 10X Points on All Eligible Online Spends & 5X on Eligible Offline Spends 5000
DBS Spark20 Rs. 20,000 20X Points on Utility, Dining & Grocery Spends, 15X on Other Online Spends & 5X on All Offline Spends 7000

Quarterly Milestone Benefits

Card Variant Quarterly Spends Cash Points
Spark5 Rs. 50,000 2500
Spark10 Rs. 75,000 3500
Spark20 Rs. 1,00,000 5000

DBS Spark Credit Card Joining Fee

Card Variant Joining/Renewal Fee Annual Fee Waiver
Spark5 Rs. 499 Yearly Spends of Rs. 1,50,000
Spark10 Rs. 999 Yearly Spends of Rs. 2,00,000
Spark20 Rs. 1,499 Yearly Spends of Rs. 2,50,000

Review of DBS Spark Credit Card

The card’s simple fee structure, with an annual fee waiver based on yearly spending, makes it an attractive choice for those seeking a mid to entry-level credit card. The rewards program, offering 2 Cash Points on every Rs. 200 spent, along with welcome benefits and quarterly milestone rewards, adds significant value.

It’s important to note the absence of international lounge access, which may be a drawback for frequent international travelers. Overall, the DBS Spark Credit Card presents a good option for individuals looking for a customizable and rewarding credit card, especially for young shopping enthusiasts.


For each rental transaction you make with the Spark card, you shall be charged a fee of 1%.
You shall be charged Rs. 200 for the replacement and re-issue of the Spark Credit Card.
DBS Spark Credit Card

DBS Spark Credit Card



  1. Anjali Reply

    Do DBS Bank India and Bajaj Finance have a co-branded credit card?

    • Kartik Kanwar Reply

      Yes, they do.

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