DBS Spark Credit Card
DBS Bank India
Annual / renewal fee
- Spark5: ₹499.
- Spark10: ₹999.
- Spark20: ₹1499 per year (second year onwards; plus GST as applicable).
VerifiedKey Fact Statement (KFS) – DBS Spark Credit Card16 Aug 2026, 2:08 PM ISTDBS Bank India
Earn rate
Earn 2 Cash Points on every ₹200 spent.
VerifiedDBS Spark Credit Card product page3 Aug 2026, 3:00 AM ISTDBS Bank India
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at dbs.com — if a different card is shown first, use its card selector to pick this one.
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at dbs.com — if a different card is shown first, use its card selector to pick this one.
Overview
DBS Spark Credit Card by DBS Bank India. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
- Spark5: ₹499.
- Spark10: ₹999.
- Spark20: ₹1499 (plus GST).
- First year fee.
VerifiedKey Fact Statement (KFS) – DBS Spark Credit Card16 Aug 2026, 2:08 PM ISTDBS Bank India
Annual / renewal fee
- Spark5: ₹499.
- Spark10: ₹999.
- Spark20: ₹1499 per year (second year onwards; plus GST as applicable).
VerifiedKey Fact Statement (KFS) – DBS Spark Credit Card16 Aug 2026, 2:08 PM ISTDBS Bank India
Fee waiver
- Annual membership fee / renewal charges for next year waived on minimum spend: Spark5 ₹1,50,000.
- Spark10 ₹2,00,000.
- Spark20 ₹2,50,000.
VerifiedMost Important Terms & Conditions (MITC) – Consolidated (covers DBS Spark Credit Card)16 Aug 2026, 2:08 PM ISTDBS Bank India
Rewards
Earn 2 Cash Points on every ₹200 spent.
VerifiedDBS Spark Credit Card product page3 Aug 2026, 3:00 AM IST
Travel & lounge
Lounge access
- Domestic lounge access: Spark 5 - 1 visit per quarter in India.
- Spark 10 - 1 visit per quarter in India.
- Spark 20 - 2 visits per quarter in India.
- No international lounge access (Nil).
VerifiedDBS Spark Credit Card — official card page16 Aug 2026, 2:08 PM ISTDBS Bank India
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
Confirm on the official page
Official source not yet captured
Eligibility
Eligibility
Cash withdrawal (cash) limit is 10% of the credit limit.
VerifiedMost Important Terms & Conditions (MITC) – Consolidated (covers DBS Spark Credit Card)16 Aug 2026, 2:08 PM ISTDBS Bank India
Charges & interest
Forex markup
Foreign Currency Transaction (Forex markup): 3.5% of transaction amount.
VerifiedKey Fact Statement (KFS) – DBS Spark Credit Card16 Aug 2026, 2:08 PM ISTDBS Bank India
Fuel surcharge waiver
- 1% fuel surcharge waiver (or ₹10, whichever higher) on minimum fuel transactions of ₹400 and maximum ₹4000 per statement cycle, capped at ₹100 (Spark5) / ₹150 (Spark10) / ₹250 (Spark20).
- GST on fuel surcharge not reversed.
VerifiedKey Fact Statement (KFS) – DBS Spark Credit Card16 Aug 2026, 2:08 PM ISTDBS Bank India
Interest-free period
- Interest free (grace) period ranges between 20 to 50 days.
- Not applicable if previous month's balance not cleared in full.
VerifiedKey Fact Statement (KFS) – DBS Spark Credit Card16 Aug 2026, 2:08 PM ISTDBS Bank India
Transfers
Not published in the official documents on file — see the official T&C link below.
Common questions
What is the annual fee on the DBS Spark Credit Card?
Officially traced: Spark5: Rs. 499.
Key Fact Statement (KFS) – DBS Spark Credit CardWhat is the joining fee on the DBS Spark Credit Card?
Officially traced: Spark5: Rs. 499; Spark10: Rs. 999; Spark20: Rs. 1499 (plus GST).
Key Fact Statement (KFS) – DBS Spark Credit CardIs the DBS Spark Credit Card annual fee ever waived?
Annual membership fee / renewal charges for next year waived on minimum spend: Spark5 Rs. 1,50,000.
Most Important Terms & Conditions (MITC) – Consolidated (covers DBS Spark Credit Card)How does the DBS Spark Credit Card earn rewards?
Earn 2 Cash Points on every Rs. 200 spent.
DBS Spark Credit Card product pageWhat lounge access does the DBS Spark Credit Card include?
Domestic lounge access: Spark 5 - 1 visit per quarter in India; Spark 10 - 1 visit per quarter in India; Spark 20 - 2 visits per quarter in India.
DBS Spark Credit Card — official card pageWhat are the transfer ratios for DBS Spark Credit Card points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
What is one point on the DBS Spark Credit Card worth?
Point value varies by award, route and partner programme, so this page does not publish a rupees-per-point figure.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Official terms
https://www.dbs.bank.in/in/credit-cards/spark.html.
VerifiedDBS Spark Credit Card product page16 Aug 2026, 2:08 PM ISTDBS Bank India
Verified 2026-08-16 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.
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