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DBS Spark Credit Card

Home DBS Bank DBS Spark Credit Card
Updated: 04-03-2025 06:16:49 AM

DBS Spark is an entry-level credit card offered in three variants- Spark5, Spark10 and Spark20, available at an annual fee of Rs. 499, Rs. 999 and Rs. 1,499, respectively. The card offers value-back in the form of CashPoints on regular spends along with bonus CashPoints on reaching monthly spend milestones. Complimentary domestic lounge access, movie benefit and fuel surcharge waiver are some other benefits that one can avail on this credit card. Read on to know more about the features and benefits of DBS Spark Credit Card.

DBS Spark Credit Card Overall Rating: ★★★ (3/5)
Welcome Benefits
 ★★★ 
Rewards Program ★★★
Milestone Benefits
 ★★★ 
Lounge Access
 ★★ 

Note: This Card is not available on Paisabazaar.com. The content on this page is for information only. To express interest in this card, please visit DBS Bank’s website.

DBS Spark Credit Card’s incremental rewards program makes it a decent option for high-spenders. You can save a good amount on reaching monthly and quarterly spending milestones, depending on the variant you own. Movie benefit, fuel surcharge waiver and complimentary lounge access further add to its benefits.

Though a low reward redemption value (Rs. 0.20) is expected from the Spark5 variant (as it charges a low annual fee), Spark10 and Spark20 should have been designed to offer better value-back. For example, if you spend Rs. 30,000 per month with the Spark20 variant, you would get 200 CashPoints p.m. on transactions up to Rs. 20,000 and 500 CashPoints on transactions above Rs. 20,000. This makes 8,400 CashPoints in a year, which would give a monetary value-back of Rs. 1,680. This value-back is quite low as compared to entry-level cards like YES Bank Paisabazaar PaisaSave, American Express SmartEarn and IDFC FIRST Select Credit Card.

Rewards Program and Milestone Benefits
Other Features and Benefits of DBS Spark Credit Card
Should you get this credit card?
Similar Cards
DBS Spark Credit Card- Fees and Charges
Rewards Program- Terms and Conditions
FAQ

Rewards Program and Milestone Benefits

Value-back on DBS Spark Credit Card is offered as CashPoints, as shown below:

  • All three variants earn 2 CashPoints for every Rs. 200 spent across eligible categories

Incremental Rewards on Reaching Monthly Milestones

  • Spark5: 5X CashPoints on all eligible spends after crossing monthly spend milestone of Rs. 10,000, capped at 3,000 CashPoints
  • Spark10: 5X CashPoints on all eligible spends after crossing monthly spend milestone of Rs. 15,000, capped at 5,000 CashPoints
  • Spark20: 5X CashPoints on all eligible spends after crossing monthly spend milestone of Rs. 20,000, capped at 7,000 CashPoints

Quarterly Milestone Benefit

  • Spark5: 2,500 Bonus CashPoints on reaching quarterly spend milestone of Rs. 50,000
  • Spark10: 3,500 Bonus CashPoints on reaching quarterly spend milestone of Rs. 75,000
  • Spark20: 5,000 Bonus CashPoints on reaching quarterly spend milestone of Rs. 1,00,000

CashPoints Redemption

Accumulated CashPoints can be redeemed against flights, hotels, vouchers, etc. through DBS Banks Reward Redemption Platform – DBS Delights.

Other Features and Benefits of DBS Spark Credit Card

In addition to the incremental rewards structure, DBS Spark Credit Card also offers bonus CashPoints as welcome benefit, along with some additional benefits across movies, travel and more, as shown below:

Welcome Benefit: On making the first purchase within 30 days of card setup, the following benefits can be availed:

  • Spark5: 2,500 CashPoints
  • Spark10: 5,000 CashPoints
  • Spark20: 7,500 CashPoints

Domestic Lounge Access

  • Spark5 and Spark10 cardholders get 1 complimentary domestic lounge visit per quarter
  • Spark20 cardholders get 2 complimentary domestic lounge visit per quarter

Movie Benefit

  • Buy One Get One free offer (capped at Rs. 200) on movie tickets booked through BookMyShow, applicable only once a month

Fuel Surcharge Waiver

  • 1% fuel surcharge waiver on transaction value of Rs. 500 to Rs. 5,000
  • Maximum waiver for is Rs. 100 for Spark5, Rs. 150 for Spark10 and Rs. 250 for Spark20

Should you get this credit card?

You should consider getting this card if:

  • You use your credit card for most of your purchases and can maximize the spend-based benefits
  • You can easily reach the monthly spending milestones to avail incremental reward rate
  • You do not need category-focused benefits on travel, online shopping, etc.
Pros Cons
5X rewards on reaching monthly spend milestones No category-focused benefits
Bonus CashPoints on reaching quarterly milestones Incremental rewards come with a capping
Buy One Get One offer on BookMyShow Relatively low reward rate compared to other entry-level or rewards credit cards
Up to 2 complimentary domestic lounge visits every quarter Annual fee is quite high for the set of benefits offered, particularly in case of Spark20 variant

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DBS Spark Credit Card- Fees and Charges

Fees / Charges Amount
Joining / Annual Fee
  • Spark5: 499 (waived off on spending Rs. 1.5 Lakh in the preceding year)
  • Spark10: 999 (waived off on spending Rs. 2 Lakh in the preceding year)
  • Spark20: 499 (waived off on spending Rs. 2.5 Lakh in the preceding year)
Over Limit Penalty Rs. 600
Interest Rate / Finance Charges 4% p.m. (48% p.a.)
Reward Redemption Fee Rs. 99
Foreign Currency Markup Fee 3.5%
Late Payment Fee For Total Amount Due:

  • Up to Rs. 100 – Nil
  • Greater than Rs 100 up to Rs 500 – Rs. 99
  • Greater than Rs 500 up to Rs 5,000 – Rs. 499
  • Greater than Rs 5,000 – 10% of the Total Amount Due (max. Rs. 1299)

Rewards Program- Terms and Conditions

  • Value of 1 CashPoint = Rs. 0.20 and CashPoints are valid for 2 years from the date of accrual.
  • Fuel, Wallet Load, Jewellery, Rent, EMI transactions, Balance Transfer, Cash Withdrawal, Service Charges and Other Fees are not eligible for CashPoints accrual.
  • Rent, Wallet load, Fuel, Cash withdrawal and Jewellery purchase are counted towards milestone calculation but will not qualify to earn CashPoints. Spends on add-on cards will be included in the monthly milestone calculations and Cash points will accrue on add-on card spends as well.

FAQ

Which variant of DBS Spark Credit Card should I get?

DBS Spark comes in 3 variants – Spark5, Spark10 and Spark20. The variant that you should get depends on how much you spend using your credit card and the annual fee that you wish to pay. The incremental rewards and quarterly milestone are better with Spark20 but it comes with a higher annual fee. DBS Bank may also set different eligibility criteria for different variants.

How can I redeem the CashPoints earned on this card?

CashPoints can be redeemed through DBS Bank’s reward redemption portal- DBS Delights. Cash Points can be used to book flights and hotels or to avail gift cards, memberships, etc.

Can I convert my card transactions into EMIs?

Yes. You can convert your spends above Rs. 2,500 into EMIs.

Do I get movie benefits on add-on cards as well?

No. Buy One Get One offer on movie tickets can be availed only once per card per month, including all add-on cards. This means if you have availed the offer on an add-on card, the primary cardholder cannot avail it in the same month.

If I have a guest accompanying me, can I get complimentary lounge access for them as well?

No. Complimentary lounge access is only for the primary cardholder.

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