All cards / DBS Bank India
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.
Annual fee
₹999
Joining fee
₹999
Reward type
points
Base reward rate
0.2%
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.
Rewards & benefits
- Rewards rate: 0.2% base rate
- Domestic lounge access: 1 complimentary domestic lounge visit per quarter at select airports
Benefits by category
- ✈️ Travel
1 complimentary domestic airport lounge visit per quarter
- 🛍️ Shopping
2% reward rate (capped ₹1,000/monthly)
- ⛽ 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
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹2,00,000
- Foreign currency markup: 3.5%
- Interest rate: 48% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000, capped at ₹150/month
Benefits
- 5,000 Cash Points on first transaction within 30 days and payment of joining fee
- Bonus 10X Cash Points (up to 5,000) on monthly online spend over ₹15,000 and 5X (up to 5,000) on offline spend over ₹15,000; 3,500 bonus Cash Points on ₹75,000 spend in a calendar quarter
- 1 complimentary domestic airport lounge visit per quarter
- 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