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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
Fees
Joining Fee
Renewal Fee
Best Suited For
Shopping |
Reward Type
Reward Points |
Welcome Benefits
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
Travel
N/A
Golf
N/A
Domestic Lounge Access
One Free Visit Each Quarter (4 Per Year)
International Lounge Access
N/A
Insurance Benefits
N/A
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
3.5%
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2.5% of the Amount Withdrawn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
Free
- This card comes with three variants, which can be availed at a fee of Rs. 499, Rs. 999, and Rs. 1,499.
Pros
- 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.
Cons
- 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.
2 Comments
Do DBS Bank India and Bajaj Finance have a co-branded credit card?
Yes, they do.