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DBS Spark Credit Card

DBS Bank is a leading bank with a huge customer base in Asia. With more than 280 branches throughout Asia, it is the largest bank in Southeast Asia and Singapore. The bank offers various credit cards to cater to the diverse requirements of its customers. The DBS Spark Credit Card has been designed to provide a host of benefits from cash points to exclusive discounts.

Updated On - 05 Sep 2025
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There are three different variants of the DBS Spark Credit Card: Spark5, Spark10, and Spark20. Every variant has a unique set of fees and benefits. Read on to learn about the features, benefits, and fees of the DBS Spark Credit Card.

dbs spark credit card

Features of DBS Spark Credit Card

The DBS Spark Credit Card comes with the following features:

Spark5:

  1. Get 2,500 cash points as a welcome bonus on making your first transaction within 30 days of card issuance.
  2. Get 2 cash points for every Rs.200 you spend.
  3. Earn 5x cash points of up to 3,000 cash points for offline transactions of more than Rs.10,000.
  4. Earn bonus 2,500 cash points by spending Rs.50,000 per quarter.
  5. Enjoy 1 complimentary visit to domestic airport lounges per quarter.
  6. Purchase 1 ticket on BookMyShow and get up to Rs.200 off your second one.
  7. Get an annual fee waiver by spending Rs.1.5 lakh in a year.
  8. Avail a 1% fuel surcharge waiver on making fuel transactions of Rs.500 to Rs.5,000 per month.
  9. Receive annual benefits of up to Rs.11,000.
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Spark10:

  1. Get 5,000 cash points as a welcome bonus on making your first transaction within 30 days of card issuance.
  2. Get 2 cash points for every Rs.200 you spend.
  1. Earn 10x cash points of up to 5,000 cash points for monthly online transactions of more than Rs.15,000.
  2. Earn 5x cash points of up to 5,000 cash points for monthly offline transactions of more than Rs.15,000.
  3. Earn bonus 3,500 cash points by spending Rs.75,000 per quarter.
  4. Enjoy 1 complimentary visit to domestic airport lounges per quarter.
  5. Purchase 1 ticket on BookMyShow and get up to Rs.200 off your second one.
  6. Get an annual fee waiver by spending Rs.2 lakh in a year.
  7. Avail a 1% fuel surcharge waiver on making fuel transactions of Rs.500 to Rs.5,000 per month.
  8. Receive annual benefits of up to Rs.17,000.

Spark20:

  1. Get 7,500 cash points as a welcome bonus on making your first transaction within 30 days of card issuance.
  2. Get 2 cash points for every Rs.200 you spend.
  3. Earn 20x cash points of up to 7,000 cash points for monthly transactions of more than Rs.20,000 on dining, utility, and grocery.
  4. Earn 10x cash points of up to 7,000 cash points for monthly online transactions of more than Rs.15,000.
  5. Earn 5x cash points of up to 7,000 cash points for monthly offline transactions of more than Rs.15,000.
  6. Earn bonus 5,000 cash points by spending Rs.1 lakh per quarter.
  7. Enjoy 2 complimentary visits to domestic airport lounges per quarter.
  8. Purchase 1 ticket on BookMyShow and get up to Rs.200 off your second one.
  9. Get an annual fee waiver by spending Rs.2.5 lakh in a year.
  10. Avail a 1% fuel surcharge waiver on making fuel transactions of Rs.500 to Rs.5,000 per month.
  11. Receive annual benefits of up to Rs.30,000.
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Benefits of DBS Spark Credit Card

A DBS Spark Credit Card offers the following benefits:

  1. Convert your spends of above Rs.2,500 into equated monthly instalments (EMIs).
  2. Cash points can be redeemed instantly for travel, vouchers, etc.
  3. Make quick payments by waving the card in front of the merchant store's payWave-enabled reader.
  4. Withdraw up to the designated limit.
  5. Get interest-free cash withdrawals for a maximum of 50 days.
  6. The DBS Spark Credit Card is accepted globally.
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DBS Spark Credit Card - Fees and Charges

The fees and charges associated with the DBS Spark Credit Card:

Type of Fee

Amount

Joining Fee

  1. Spark5: Rs.499
  2. Spark10: Rs.999
  3. Spark20: Rs.1,499

Annual Fee

  1. Spark5: Rs.499
  2. Spark10: Rs.999
  3. Spark20: Rs.1,499

Overdue Interest Charges

Up to 4% per month

Cash Advance Charges

2.5% of the cash amount (Minimum: Rs. 500)

Overdue Penalty/Late Payment charges

  1. Up to Rs.100: NIL
  2. Above Rs.100 to Rs.500: Rs.99
  3. Above Rs.500 to Rs.5,000: Rs.499
  4. Above Rs.5,000: 10% of the amount due (Maximum: Rs.1,299)

Physical Statement Fee

Rs.100

Surcharge on Purchase/Cancellation of Railway Tickets

IRCTC Service Charge + Payment Gateway transaction charge (up to 1.8% of the ticket amount)

Card Replacement Fee

Rs.200 per card

Digital Statement Fee for Previous 2 years

Rs.100

Fee on Rental Transactions

1% of the transaction amount

Split and Pay Processing Fee

2% (Minimum: Rs.249)

Charge-Slip Retrieval Charges

Rs.100

Return Payment charges

Rs.500 per instance

Over Limit Penalty

Rs.600

Fuel Transaction Charge

1% surcharge on fuel transaction amount or Rs.10 (whichever is more)

Cash Payment at Branches

Rs.250 per cash deposit at DBS branches

Forex Markup Fee

3.5% of the transaction amount

Hot Listing Charges

Rs.100

Reward Redemption Fee

Rs.99 per redemption request

EMI Foreclosure Charges

3% of the unpaid principal amount

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Eligibility Criteria for DBS Spark Credit Card

The general eligibility conditions to apply for the DBS Spark Credit Card are as follows:

  1. You must be an Indian resident.
  2. You must be aged 18 years and above.
  3. You must have a regular income source.
  4. Your credit score should be 720 and above.

Documents Required for DBS Spark Credit Card

To apply for the DBS Spark Credit Card, you will need the following documents:

  1. Proof of address
  2. Proof of identity
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FAQs on DBS Spark Credit Card

  • Can I apply for the DBS Spark Credit Card online?

    Yes, you can apply for the DBS Spark Credit Card online.

  • How many variants are available for the DBS Spark Credit Card?

    Three variants are available for the DBS Spark Credit Card: Spark5, Spark10, and Spark20.

  • Does the DBS Spark5 Credit Card offer airport lounge access?

    Yes, the DBS Spark5 Credit Card offers 1 complimentary visit to domestic airport lounges per quarter.

  • What is the welcome benefit offered on the DBS Spark10 Credit Card?

    The DBS Spark10 Credit Card offers 5,000 cash points as a welcome bonus on making your first transaction within 30 days of card issuance.

  • Does the DBS Spark Credit Card provide a fuel surcharge waiver?

    Yes, the DBS Spark Credit Card provides a 1% fuel surcharge waiver on making fuel transactions of Rs.500 to Rs.5,000 per month.

  • Does the Spark20 Credit Card offer an annual fee waiver?

    Yes, the Spark20 Credit Card offers an annual fee waiver if you spend Rs.2.5 lakh in an anniversary year.

  • Is an EMI facility available on the DBS Spark Credit Card?

    Yes, transactions of above Rs.2,500 can be converted into EMIs.

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Credit Card Bill Payment
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  13. Bank of Baroda Credit Card Bill Payment
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Credit Card Eligibility
  1. Credit Card Eligibility
  2. SBI Credit Card Eligibility
  3. HDFC Credit Card Eligibility
  4. Federal Bank Credit Card Eligibility
  5. Axis Bank Credit Card Eligibility
  6. Yes Bank Credit Card Eligibility
  7. IndusInd Bank Credit Card Eligibility
  8. HSBC Credit Card Eligibility
  9. Kotak Credit Card Eligibility
  10. Canara Bank Credit Card Eligibility
  11. Standard Chartered Credit Card Eligibility
  12. RBL Bank Credit Card Eligibility
  13. Bank of Baroda Credit Card Eligibility
  14. Union Bank Credit Card Eligibility
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