All cards / DBS Bank India
DBS Spark5
DBS Spark5 is the entry rung of DBS Bank India's three-tier Spark lineup — a lifetime-value-oriented card at a modest ₹499 fee that still bundles domestic lounge access and a fuel surcharge waiver, benefits usually reserved for pricier cards. It earns a flat 2 Cash Points per ₹200 spent with no bonus categories, so it works best as a simple everyday card for someone who wants lounge access without paying for the richer Spark10 or Spark20 tiers.
Annual fee
₹499
Joining fee
₹499
Reward type
points
Base reward rate
0.2%
Card network
Visa
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in dining, online shopping. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Movie & dining: Buy 1 ticket, save up to ₹200 on the second one on BookMyShow
- 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
- ⛽ Fuel
1% fuel surcharge waiver on transactions between ₹400 and ₹4,000, capped at ₹100/month
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹25,000
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹1,50,000
- 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 ₹100/month
Benefits
- 2,500 Cash Points on first transaction within 30 days and payment of joining fee
- Bonus 5X Cash Points (up to 3,000) on monthly offline spends over ₹10,000; 2,500 bonus Cash Points on ₹50,000 spend in a calendar quarter
- 1 complimentary domestic airport lounge visit per quarter
- Buy 1 ticket, save up to ₹200 on the second one on BookMyShow
- 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000, capped at ₹100/month
Pros
- + Domestic lounge access (1 per quarter) included even at the lowest ₹499 fee tier
- + Fee waived on a modest ₹1.5 lakh of annual spend
- + BookMyShow offer adds recurring entertainment value
- + Simple flat 2 Cash Points per ₹200 with 2,500-point welcome bonus
Cons
- − No bonus categories or accelerated rewards — Spark10 and Spark20 offer materially better milestone earnings for similar spend
- − 3.5% forex markup makes it a poor choice for international spending versus DBS's own Vantage card
- − ₹25,000/month minimum income is a low bar that also means a fairly ordinary credit limit