DBS Spark 20 Credit Card
DBS Bank India · Open to apply
DBS's everyday rewards card, the ₹1,499 variant: 2 Cash Points per ₹200 (0.2% back at ₹0.20 a point), rising to 20X Cash Points (4% back) on groceries, dining and utilities, 10X (2%) on other online spends and 5X (1%) in store once the cycle passes ₹20,000, capped at 7,000 extra points a cycle.
- Annual fee
- ₹1,499 + GST a year
- Joining fee
- ₹1,499 + GST
- Fee waiver
- Annual fee waived on ₹2,50,000 spend per card year
- Base rate
- Eligible spends, 2 Cash Points per ₹200: 2 Cash Points per ₹200 (about 0.2% at cash value)
- Lounges
- Domestic: 2 visits a calendar quarter
- Forex markup
- 3.5%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- 20X on groceries, dining and utilities once the cycle's spends cross ₹20,000 (38 more Cash Points per ₹200): 38 Cash Points per ₹200 on top of the base rate (about 3.8% at cash value)
- 10X on other online spends once the cycle's spends cross ₹20,000 (18 more Cash Points per ₹200): 18 Cash Points per ₹200 on top of the base rate (about 1.8% at cash value)
- 5X on other in-store spends once the cycle's spends cross ₹20,000 (8 more Cash Points per ₹200): 8 Cash Points per ₹200 on top of the base rate (about 0.8% at cash value)
Earns nothing on
- No Cash Points on fuel, wallet loads, jewellery, rent, EMI and cash
Terms the calculator does not value
- The accelerated rate needs the cycle's spends to reach ₹20,000; the calculator assumes it does and lists the condition. Below it the card earns 2 Cash Points per ₹200.
Sources
- DBS Spark Credit Card, product benefits and terms and conditions (Reward terms, the bank's own, read 6 Nov 2026)
- Key Facts on DBS Spark Credit Card (Schedule of charges, the bank's own, read 6 Nov 2026)
- DBS Bank credit cards MITC (consolidated) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- DBS Spark Credit Card product page (Product page, the bank's own, read 6 Nov 2026)