DBS Spark 5 Credit Card
DBS Bank India · Open to apply
DBS's everyday rewards card, the ₹499 variant: 2 Cash Points per ₹200 (0.2% back at ₹0.20 a point), rising to 5X Cash Points (1% back) on every eligible spend once the cycle passes ₹10,000, capped at 3,000 extra points a cycle.
- Annual fee
- ₹499 + GST a year
- Joining fee
- ₹499 + GST
- Fee waiver
- Annual fee waived on ₹1,50,000 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: 1 visit a calendar quarter
- Forex markup
- 3.5%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- 5X once the cycle's spends cross ₹10,000 (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
Where the sources disagree
- Spark 5 accelerated rate, all spends or offline only: The product terms say a cycle above ₹10,000 earns 5X "on all eligible spends" (their illustration credits grocery and utility spends, not specified as offline). The Spark page's Spark 5 panel says "Bonus 5X Cash Points of up to 3,000 Cash Points on monthly offline spends of over ₹10,000". The terms are entered (all eligible spends); if only in-store spends qualify, online spending on this card earns just the base 2 per ₹200.
Terms the calculator does not value
- The accelerated rate needs the cycle's spends to reach ₹10,000; 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)