The DBS Spark Credit Card has three options: Spark5, Spark10, and Spark20. Each card has its own fees and benefits, with Spark20 being the most expensive but offering the most benefits. Spark5 costs Rs. 499, Spark10 costs Rs. 999, and Spark20 has a joining charge of Rs. 1,499. You can earn 2 Cash Points for every Rs. 200 spent on all three cards, with the opportunity to earn more Cash Points after reaching the monthly spending limit. The card also includes travel benefits and free domestic lounge access. It is a great choice for those seeking an affordable credit card with customizable benefits and features like Buy One Get One on movies. For more details on fees, benefits, and features, check out our review of the DBS Spark Credit Card.
| DBS Spark Credit Card | |
|---|---|
| |
| Type | Entry-Level Credit Card |
| Best Suited For | Cashback & Shopping |
| Joining Fee | Rs. 499 + GST |
| Annual Fee | Rs. 499 + GST |
| Welcome Benefits | 2500 Cash Points |
| Best Feature | Buy 1 Get 1 Movie Tickets |
| Card Pandit Rating |  |
Table of Contents
DBS Spark Credit Card Welcome Benefits ;-
Get Cash Points as a welcome bonus on your first transaction within 30 days and pay the joining fee.
| Details | Spark 5 | Spark 10 | Spark 20 |
| Welcome bonus | 2,500 Cash Points | 5000 Cash Points | 7,500 Cash Points |
Monthly Benefits:
| Variant | Monthly Spend | 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, 10X on Other Online Spends & 5X on All Offline Spends | 7000 |
Get 2 Cash Points for every Rs. 200 spent* (Where 1 CP = Rs 0.20)
Quarterly Milestone Benefits:
| Variant | Quarterly Spend | Cash Points Capping |
| DBS Spark5 | Rs. 50,000 | Bonus 2,500 Cash Points |
| DBS Spark10 | Rs. 75,000 | Bonus 3,500 Cash Points |
| DBS Spark20 | Rs. 1,00,000 | Bonus 5,000 Cash Points |
Airport Lounge Access ;-
Spark5 & Spark10 get 1 free lounge entry every three months & 8 for Spark20 at specific domestic airports*
| Details ( Yearly ) | Spark 5 | Spark 10 | Spark 20 |
| Domestic | 4 | 4 | 8 |
| International | 0 | 0 | 0 |
Movies Benefits ;-
Get a discount of up to ₹200 Per month when you buy two movie tickets on BookMyShow*
| Details | Spark 5 | Spark 10 | Spark 20 |
| Movie Benefit Per Month | 200 Rs | 200 Rs | 200 RS |
DBS Spark Credit Card Fuel Surcharge Waiver ;-
Enjoy a 1% fuel surcharge waiver up to Rs 100 per month on Spark5, up to Rs 150 on Spark10, and up to Rs 200 on Spark20 per month on your purchases.
| Details | Spark 5 | Spark 10 | Spark 20 |
| Fuel Surcharge Waiver | 100 Rs | 150 Rs | 200 RS |
DBS Spark Credit Card Joining Fee
| Details | 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 |
DBS Spark Credit Card Other Fees & Charges
| Criteria | Details |
| Finance Charges | 3.6% p.m. (56.86% p.a.) |
| Add-on card fee | Nil |
| Forex-markup fee | 3.5% + GST |
| Late Payment Fee |
|
| Card replacement | Rs. 100 |
| Cash Payment Fee | Rs. 100 |
| Rewards Redemption Fee | RS. 99 + GST |
| Cheque Payment Fee | Rs. 100 |
| Cash Withdrawal Fee | Min. RS. 500 & up to 2.5% of withdrawal amount |
| Overlimit | Min. RS. 500 & up to 2.5% of overlimit amount |
Eligibility & Documents Requirements
Below are some of the DBS Spark Credit Card Eligibility & document Requirements
- Age between 21 & 70 years old.
- You must be able to demonstrate a stable credit history
- You must be salaried or self-employed and withdraw a stable salary.
| Title | Details |
| Occupation | Salary | Job | Business |
| Age | Min 21 & Max 70 Years, |
| ID Proof (Any One) | Pan Card, Aadhar Card, and Driving License. Voter Card, Passport |
| Address proof (Any One) | Aadhar Card, Ration Card, Utility Bill, Passport, Voting Card, and Driving License |
| Income Proof (Any One) | Salary Slip | ITR File | Bank Statement | Form 16 |
DBS Bank Spark Credit Card Pros & Cons:
Discover the advantages and disadvantages of the DBS Spark Credit Card to help you make an informed decision.
Pros
- Welcome Cash Points
- Buy 1 Get 1 Movie Tickets Every Month
- Monthly Milestone Benefits
- Quarterly Milestone Benefits
- Airport Lounge Access
Cons
Low cash Point Rate
Fuel Surcharge Waiver Capping
No reward point on wallet load, EMI transaction, rent payment
- No International Airport Lounge Access
DBS Spark Credit Card Conclusion:
Based on the thorough review of the DBS Spark Credit Card, it can be concluded that this credit card offers a range of benefits and features that may be appealing to individuals looking for an entry-level credit card with cashback and shopping rewards.
The card’s welcome benefits, such as earning Cash Points on the first transaction and the opportunity to earn additional Cash Points based on monthly spending, can provide immediate value to cardholders. The Buy One Get One movie tickets feature and fuel surcharge waiver further enhance the overall benefits package.
However, it is essential to consider some limitations of the card, such as the relatively low cash point rate and the capping on fuel surcharge waiver. Additionally, the absence of reward point wallet load, EMI transactions for rent payments, and international airport lounge access may be drawbacks for some users.
Before applying for the DBS Spark Credit Card, individuals should carefully evaluate their spending habits and preferences to determine if the benefits offered align with their financial needs and lifestyle. Overall, this credit card can be a suitable choice for those seeking a simple yet rewarding credit card experience, especially for cashback and shopping enthusiasts.