DBS Spark20 Credit Card

Best suited to applicants who clear the standard eligibility bar whose spend is concentrated in dining, groceries. Its annual fee waives if you can comfortably clear the spend threshold.

• Movie & dining: Buy-1-get-1 movie ticket on BookMyShow, once per month
• Rewards rate: 0.2% base rate
• Domestic lounge access: 2 complimentary domestic lounge visits per quarter

• 🍽️ Dining & food delivery

  4% reward rate (capped ₹1,400/monthly)

• 🛒 Groceries

  4% reward rate (capped ₹1,400/monthly)

• ✈️ Travel

  2 complimentary domestic lounge visits per quarter

• 🛍️ Shopping

  2% reward rate (capped ₹1,400/monthly)

• 🧾 Utilities

  4% reward rate (capped ₹1,400/monthly)

• ⛽ Fuel

  1% fuel surcharge waiver on ₹400–₹4,000 transactions, capped at ₹250/cycle

• 🌍 Forex / international spend

  3.5% forex markup on international transactions

• Employment: salaried, self-employed

• Spend-based waiver: Waived on annual spend of ₹2,50,000
• Foreign currency markup: 3.5%
• Interest rate: 48% p.a.
• Fuel surcharge waiver: 1% fuel surcharge waiver on ₹400–₹4,000 transactions, capped at ₹250/cycle

• 7,500 Cash Points on first transaction within 30 days
• Accelerated Cash Points past ₹20,000 monthly spend, capped at ₹1,400/month
• 5,000 bonus Cash Points on ₹1,00,000 spend in a calendar quarter
• 2 complimentary domestic lounge visits per quarter
• 1% fuel surcharge waiver on ₹400–₹4,000 transactions, capped at ₹250/cycle
• Buy-1-get-1 movie ticket on BookMyShow, once per month