DBS Spark Credit Card
DBS Spark Credit Card from DBS Bank is covered here with fees, rewards, benefits, exclusions, fuel/forex charges and Zlash's practical verdict for Indian users.
Annual fee: Rs 499 | Reward type: Reward Points | Best for: Shopping, Utility Bills, Dining
Estimated value per Rs 100 of eligible spend.
DBS Spark Credit Card Overview
DBS Spark Credit Card is a DBS Bank credit card. Base reward value is about Rs 0.2 per Rs 100 of eligible spend. Zlash checks boosted categories like utility bills, dining, grocery along with caps and exclusions.
Best For
DBS Spark Credit Card is most useful when your spends regularly fall into utility bills, dining, grocery.
Rewards
utility bills
20x the base reward rate.
dining
20x the base reward rate.
grocery
20x the base reward rate.
online shopping
15x the base reward rate.
partner brands
5x the base reward rate.
Not Good For
- Spends in excluded categories such as fuel, wallet reloads, jewellery, rent, emi transactions.
- International transactions if you need low forex markup; this card lists 3.5% markup.
Welcome And Travel Benefits
Welcome: Welcome benefits are listed in extracted facts; verify current issuer terms before applying.
Domestic lounge: Domestic lounge benefit is listed in extracted facts; confirm access rules with the issuer before relying on it.
Lifestyle Benefits
Movies and dining: Movie and dining benefit is listed in extracted facts; confirm access rules with the issuer before relying on it.
Fuel And Forex Charges
1% fuel surcharge waiver on eligible fuel transactions.
3.5% foreign currency markup.
Reward Exclusions
Milestone Benefits
- Spend Rs 10,000 in a monthly period.
- Spend Rs 15,000 in a monthly period.
- Spend Rs 20,000 in a monthly period.
- Spend Rs 50,000 in a quarterly period for benefit value around Rs 500.
- Spend Rs 75,000 in a quarterly period for benefit value around Rs 700.
- Spend Rs 1,00,000 in a quarterly period for benefit value around Rs 1,000.
Zlash Verdict
Choose this card when shopping, utility bills, dining match your normal spend pattern. Skip it for categories that are excluded from rewards or where another card gives a cleaner direct discount.
This page is generated from normalized card facts, not copied review prose. Zlash uses this structure so card data can power both public SEO pages and future in-app card detail views.
FAQ
What is the annual fee of DBS Spark Credit Card?
The listed annual fee is Rs 499.
What is DBS Spark Credit Card best used for?
DBS Spark Credit Card is most useful when your spends regularly fall into utility bills, dining, grocery.
Does DBS Spark Credit Card have reward exclusions?
Yes. The extracted exclusions include fuel, wallet reloads, jewellery, rent, emi transactions, balance transfer.
How does Zlash use this card data?
Zlash uses fee, reward, cap and exclusion facts to estimate effective prices after eligible payment rewards.