All cards / DBS Bank India
DBS Spark10
Visa
DBS Spark10
DBS Spark10 is the middle tier of the Spark family, aimed at cardholders who'll clear roughly ₹15,000 of monthly spend and want the milestone bonus to do the heavy lifting — a 5,000-point welcome bonus plus a monthly 10X milestone kicker can add up to real annual value on top of the base 2 Cash Points per ₹200. It keeps the same domestic lounge and fuel-waiver perks as Spark5 but at double the fee, so it only pays off once the milestone bonus is actually being hit every month.
Rates and fees last verified 15 July 2026 · No bank pays us to rank higher.
Annual fee
₹999
Joining fee
₹999
Reward type
points
Base reward rate
1%
Card network
Visa
Card tier
Mid
Who this card fits
Best suited to applicants with a credit score of roughly 720+ whose spend is concentrated in dining, online shopping. Its annual fee waives if you can comfortably clear the spend threshold.
Benefits by category
- 🍽️ Dining & food delivery
1% reward rate
- ✈️ Travel
Complimentary domestic airport lounge access
- 🛍️ Shopping
1% reward rate
- ⛽ Fuel
1% fuel surcharge waiver on transactions between ₹400 and ₹4,000, capped at ₹150/month
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 720
- Minimum monthly income: ₹35,000
- Employment: salaried, self-employed
- Age: 21–60
Benefits
- 5,000 bonus Cash Points on the first transaction within 30 days of card issuance
- Bonus 10X Cash Points on monthly spend, capped at 5,000 Cash Points a month (worth up to ~₹12,000/year at ₹15,000+ monthly spend)
- Complimentary domestic airport lounge access
- 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000, capped at ₹150/month
Pros
- + 5,000 Cash Points welcome bonus on first transaction
- + Monthly 10X milestone bonus (capped at 5,000 points) can be worth up to ~₹12,000/year for consistent spenders
- + Domestic lounge access and fuel surcharge waiver carried over from the entry tier
- + Fee waiver threshold of ₹2 lakh/year is achievable for a regular spender
Cons
- − The milestone bonus requires hitting ~₹15,000 of spend every single month — sporadic spenders get little beyond the base rate
- − 3.5% forex markup remains high; DBS's own Vantage card is far better for travel
- − No bonus category multipliers beyond the milestone mechanic, unlike category-based competitors