All cards / DBS Bank India
DBS Spark5
Visa
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.
Rates and fees last verified 15 July 2026 · No bank pays us to rank higher.
Annual fee
₹499
Joining fee
₹499
Reward type
points
Base reward rate
1%
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.
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 ₹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
Benefits
- Complimentary domestic airport lounge access
- Buy-one-get-one-free movie ticket offer on BookMyShow
- 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000, capped at ₹100/month
Pros
- + Domestic lounge access included even at the lowest ₹499 fee tier
- + Fee waived on a modest ₹1.5 lakh of annual spend
- + BookMyShow BOGO offer adds recurring entertainment value
- + Straightforward flat rewards rate with no confusing category caps
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