DBS Spark Credit Card 2025 – Latest Guide on Benefits, Fees & More

Harshit, a salaried employee working in Mumbai, wants to buy a refrigerator for his newly rented place. His monthly income is ₹ 40,000, and the fridge would cost him ₹ 56,000. If we combine the cost of transportation and installation, the expenses would range anywhere between ₹ 60,000 and ₹ 70,000. 

Since Harshit owns a DBS Spark credit card, he was able to pay off the expenses in EMIs ranging up to 12 months, making it easier for him to manage his finances. The DBS Spark credit card offers flexible EMI options, allowing Harshit to break down the total amount into affordable monthly payments.

DBS Spark credit card provides rewards points for every purchase made, which Harshit can redeem for discounts, cashback, or vouchers for future purchases. And because of its unique feature of Tap & Pay, he can simply wave the card just before paying. 

DBS-Spark Credit Card – Overview

DBS Spark credit is a credit card specially designed for people who want rewards on their daily expenses. With the help of this card, you can earn 2 cash points on every ₹200 spent, which you can use in future purchases. 

The key benefit of this DBS Spark Credit Card is that you will get a welcome bonus, which you can use within 30 days. DBS Spark Credit Card gives you the benefits of rewards and offers on travel, shopping, and dining expenses. Additionally, it also supports international transactions.

Features and Benefits of DBS Spark Credit Card

Types of DBS Spark Credit Card

Three types of DBS Spark Credit Cards—Spark5, Spark10, and Spark20 exist. Depending on your match, decide which one you want to apply for. Each one of them has its benefits. The following table shows their respective benefits.

DBS Spark Credit Card Fees & Charges

Other fees 

Apart from these charges, there are more charges, which you can read here: Terms and Conditions.

Eligibility Criteria for DBS Spark Credit Card

The general eligibility conditions to apply for the DBS Spark Credit Card are as follows:

• You must be an Indian resident
• You must be aged 18 years and above
• You must have a regular source of income
• Your credit score should be 720 and above

Documents required for DBS Spark Credit Card

To apply for the DBS Spark Credit Card, you will need the following documents:

• Proof of address
• Proof of identity

How to apply for a DBS Spark Credit Card online?

Step 1: Go to the official website of DBS.
Step 2: You will see five options in the footer section—“DBS Bank India,” “Personal Banking,” “Corporate and SME Banking,” “DBS Tech India,” 
and “Visit Us.”

Step 3: Hover on “Personal Banking.” 

Step 4: You will see credit card sections with a button, “Learn More.” Click on it.

Step 5 After clicking on it. You will find different types of credit cards.

Step 6: Select DBS Spark Credit Card and click on it.

Step 7: You will be directed to a new page after clicking on it. Scroll down; you will see “Spark 5,” “Spark 10,” and “Spark 2.0.”

Step 8: Select the card you want to apply and scroll down.

Step 9: You will see a button “Apply Now.”

Step 10: Click on the button.

DBS Credit Card Customer Care

You can contact DBS Bank if you need help with your DBS Spark credit card via the following methods:

You can call the customer care:

Calling from India—1860 267 1234/1800 209 4555

Calling from Singapore—800 852 6186

Calling from overseas—+91 44 6685 4555

You can contact them via email:

For credit card queries, write to  customercareindia@dbs.com

How to apply for a DBS Spark Credit Card offline?

To apply for the DBS Spark Credit Card offline, you can visit a nearby DBS Bank branch and complete the application process in person. Here is a step-by-step guide:

Visit a branch: Locate the nearest DBS Bank branch in your area. You can find the nearest branch by visiting the DBS website or calling the bank’s customer care.

Collect the application form: Once at the branch, ask for the DBS Spark credit card application form. The bank representative will provide the form and guide you through the process.

Fill out the form: Complete the application form by providing details such as your name, contact information, income, employment details, and other personal information. Make sure to fill it out carefully to avoid any delays in processing.

Submit KYC documents: Along with the application form, you will need to submit your Know Your Customer (KYC) documents, which include:

• Proof of identity (such as Aadhar card, passport, or voter ID)
• Proof of address (such as utility bills, rent agreements, or passport)
• Proof of income (such as salary slips, bank statements, or income tax returns)

Verification Process: After you submit your form and documents, the bank will begin the verification process. This may take a few days as the bank assesses your eligibility for the credit card.

Approval and card issuance: If your application is approved, you will receive your DBS Spark Credit Card at your provided address. The bank will also send you details about the card, such as your credit limit and the terms and conditions.

By applying offline, you can speak directly with a bank representative who can assist you with any question and guide you through the process to ensure everything is completed smoothly.

Once your application is processed and approved, you will receive your DBS Spark credit card and a welcome kit, and you can start using it for your purchases and benefits.

Difference between the DBS Spark credit card and the HDFC Bank Business Regalia Credit Card

Pros and cons of DBS Spark Credit Card

Conclusion

DBS Spark Credit Card is very appealing for those who want flexibility and rewards on their daily expenses. You will get cash points, airport lounge access, EMI conversion, interest-free cash withdrawals, and more rewards. 

This card is primarily for those people who want to manage their spending efficiently, especially those who do offline shopping and traveling.

Use this card according to your spending habits because of its high annual fee and cash withdrawal charges. If you are a regular and competent card user, the DBS Spark Credit Card can be a good choice for you, as it will give you rewards and financial stability.

FAQ’s Related to DBS Spark Credit Card

Can I apply for the DBS Spark Credit Card online?

Yes, you can apply for the DBS Spark Credit Card online. The application process is simple and convenient, allowing you to complete it from the comfort of your home or anywhere at your convenience. 

How many different types of Spark Credit Cards are available?

The three types of Spark Credit Cards available are Spark5, Spark10, and Spark20. This card is perfect for individuals who make high-value purchases and want to maximize their rewards.

Does the DBS Spark Credit Card offer any airport lounge access?

Yes, the DBS Spark credit card offers the valuable benefit of 1 or 2 complimentary visits to domestic airport lounges per quarter, depending upon your card. 

What is the welcome benefit of the DBS Spark10 Credit Card?

The DBS Spark10 Credit Card offers 5,000 cash points as a welcome bonus on making your first transaction within 30 days of card issuance. These cash points can be redeemed for a variety of rewards.

Is an EMI facility available on the DBS Spark Credit Card?

Yes, transactions of above ₹2,500 can be converted into EMIs.This feature allows cardholders to convert their eligible purchases into easy-to-manage monthly installments, providing greater flexibility and ease in repayment. 

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