All cards / DBS Bank India
DBS Spark20 Credit Card
DBS Spark20 offers accelerated cash points on dining, grocery and utility spends alongside domestic lounge access, aimed at everyday spenders.
Rates and fees last verified 19 July 2026.
Annual fee
₹1,499
Joining fee
₹1,499
Reward type
cashback
Base reward rate
0.2%
Card network
Visa
Card tier
Mid
Reward rates by category
- Dining4% (capped ₹1,400/monthly)
- Groceries4% (capped ₹1,400/monthly)
- Utilities4% (capped ₹1,400/monthly)
- Online shopping3% (capped ₹1,400/monthly)
- Other1% (capped ₹1,400/monthly)
Eligibility
- Employment: salaried, self-employed
Benefits
- 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
Pros
- + Strong accelerated rewards (up to 20X) on dining, grocery and utility spends
- + Domestic lounge access plus BookMyShow and fuel perks
- + Achievable annual fee waiver at ₹2.5L yearly spend
Cons
- − Low base reward rate outside accelerated categories
- − Monthly spend thresholds needed to unlock best rates
Applying takes you to DBS Bank India's site. We may earn a commission if you're approved — see our disclaimer. Final terms and approval are solely at the issuer's discretion.