DBS Spark Credit Card

Joining fee

₹499 to join.₹499 or ₹999 or ₹1,499, by variant

Renewal fee

₹499 a year.₹499 or ₹999 or ₹1,499, by variant

Fee waiver rule

Annual Fee Waiver Spends Threshold: Spark 5 ₹1,50,000, Spark 10 ₹2,00,000, Spark 20 ₹2,50,000.

Welcome benefit

Enjoy Welcome Bonus Of Up To 7,500* Cash Points

Reward rate

2 Cash Points per ₹200 · everyday spends2 Cash Points for every ₹200 spent on eligible purchases.

Groceries earningReward earning on dining spendsUtilities earning

Bonus 20X Cash Points of up to 7000 Cash Points on monthly spends of over ₹20,000 on Utility, Dining & Grocery

Online earning

Bonus 10X Cash Points of up to 5,000 Cash Points on monthly online spends of over ₹15,000; Bonus 10X Cash Points of up to 7000 Cash Points on monthly online spends of over ₹20,000

Reward exclusions

Fuel, Wallet Load, Jewellery, Rent, EMI transactions, balance transfer.

Reward caps

Monthly capping on Cash Points: 3000 (Spark5), 5000 (Spark10), 7000 (Spark20)

Catalogue redemption

Cash Points can be redeemed for discounts on shopping, travel, dining, gifting etc. on dbsdelights.in.

Catalogue redemption

1 CP = upto ₹0.20

Redeeming points for travelVoucher and product redemption

Instantly redeem your Cash Points for travel bookings, vouchers & more.

Point expiry

Cash Points are valid only for 2 years from the date of accrual

Domestic lounge access

Up to 2 complimentary lounge access per quarter at select domestic airports

Milestone benefits

Quarterly Spends Threshold: Spark5 ₹50,000 (2500 Points), Spark10 ₹75,000 (3500), Spark20 ₹1,00,000 (5000)

Movie or entertainment ticket benefit

Buy 1 ticket, save up to ₹200 on the second one on BookMyShow

Fuel surcharge waiver

1% surcharge waiver on fuel spends between ₹400 - ₹4000; capping Spark 5 100, Spark 10 150, Spark 20 250.

Surcharge on railway tickets

Purchase / cancellation of railway tickets: IRCTC Service Charges + Payment Gateway transaction charges (up to 1.8% of ticket amount)

Purchase to EMI conversion

Easily convert your spends above ₹2,500 into EMIs.

Forex markup

3.5% on foreign currency transactions.

Cash advance fee

Flat fee: 2.5% of cash amount (Min. ₹500)

Cash withdrawal limit

Credit limit and Cash Limit will be notified / available in the welcome kit at the time of card delivery, DBS Card+ app and monthly statements.

Interest on unpaid balance

Monthly rate upto 4% & annual rate upto 48%

Interest-free period

20 to 50 days interest-free when you pay in full.

Late payment fee

Upto ₹100 - NIL, Upto ₹500 - ₹99, Upto ₹5000 - ₹499, More than ₹5000 - 10% of Amount due (max. ₹1299)

Over-limit fee

Over limit penalty ₹600

Payment return or dishonour fee

Return payment charges: ₹500 per instance.

Statement or duplicate statement fee

Physical statement fee ₹100; digital statement fee for prior 2 years period ₹100.

Card replacement fee

₹200 per card re-issued

Cash payment / cash deposit fee

₹250 per cash deposit at DBS branches.

Charge for lounge visits beyond the free limit

Any guest accompanying the Primary holder will have to pay a lounge visit fee per visit, charged to the Primary Cardholder per visit per guest.

EMI conversion fee

Split and Pay processing fee: 2% Subject to a minimum of ₹249; EMI foreclosure charges: 3% of unpaid principal amount

Reward redemption fee

₹99 for each redemption request.

What the card's fee or benefit year means

Annual fee will be levied at the beginning of the next membership year; for anniversary spends, a 12-month period from the card set up date will be considered

Fuel transaction fee

1% surcharge on fuel transaction value or ₹10 whichever is higher.

Rent transaction fee

1% on Transaction amount (fee on rental transactions)

GST note

All fees and charges attract Goods and Service tax (GST) at standard rate of 18% p.a on the specified charge

Minimum amount due

2% (subject to minimum of ₹100) of new purchases and cash withdrawals and any previously unpaid principal outstanding + new EMI debits + GST + Application Fee + previously unpaid MAD + 100% Revolving Interest + 100% of Cash Withdrawal Interest