DBS Spark Credit Card
- Joining fee
₹499 (Spark5); ₹999 (Spark10); ₹1499 (Spark20)
- Annual fee
₹499 (Spark5); ₹999 (Spark10); ₹1499 (Spark20)
- Best suited for
Shopping
- Reward type
Reward Points
Rewards
- Rewards rate
2 Cash Points/₹200 Across All Three Variants
- Welcome benefits
Cash Points Up to 7,500
- Reward redemption
1 Cash Point = ₹0.20
Benefits
- Movie & dining
Buy 1 Ticket, Save Up to ₹200 on the Second One on BookMyShow
- Domestic lounge
Up to 2 Visits Per Quarter
Fees & charges
- Spend-based waiver
Renewal Fee Waived at Spends of ₹1.5 Lakh (Spark5); ₹2 Lakh (Spark10); ₹2.5 Lakh (Spark20)
- Rewards redemption fee
₹99 + GST
- Foreign currency markup
3.5%
- Interest rates
3.5% – 4% Per Month (42% – 48% Per Annum)
- Fuel surcharge waiver
1% Fuel Surcharge Waiver on Fuel Transactions Between ₹400 and ₹4,000, Monthly Waiver Cap of ₹100 for Spark5; ₹150 for Spark10, and ₹250 for Spark10
- Cash advance charges
2.5% of the Amount Withdrawn
Product highlights
- Available in three variants: Spark5, Spark10, and Spark20.
- Earn 2 Cash Points for every ₹200 spent on eligible transactions.
- Unlock accelerated Cash Points by meeting monthly spending milestones.
- Receive welcome benefits worth up to 7,500 Cash Points, depending on the card variant.
- Buy One Get One movie ticket offer on BookMyShow, with savings of up to ₹200 on the second ticket.
- Complimentary domestic airport lounge access every quarter based on the card variant.
- Cash Points can be redeemed at a value of 1 Cash Point = ₹0.20.
Pros & cons
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.
FAQs
What are the variants available under the DBS Spark Credit Card?
The DBS Spark Credit Card is available in three variants: Spark5, Spark10, and Spark20. Each variant has different joining fees, annual fees, spending milestones, and reward benefits.
How are Cash Points earned on the DBS Spark Credit Card?
Cardholders earn 2 Cash Points for every ₹200 spent on eligible transactions. Higher reward rates can be unlocked by meeting the monthly spending milestones applicable to each card variant.
What is the value of one Cash Point?
One Cash Point is worth ₹0.20 when redeemed.
Is there a fee for redeeming Cash Points?
Yes, a reward redemption fee of ₹99 + GST is charged whenever Cash Points are redeemed.
Can the annual fee be waived?
Yes, the annual fee is waived on achieving the required annual spending milestone of ₹1.5 lakh for Spark5, ₹2 lakh for Spark10, and ₹2.5 lakh for Spark20.