By continuing, you agree to LoansJagat's Credit Report Terms of Use, Terms and Conditions, Privacy Policy, and authorize contact via Call, SMS, Email, or WhatsApp
Disclaimer: The information published on LoansJagat is intended for general informational and educational purposes only and should not be considered financial, legal, or investment advice. Interest rates, loan terms, statistics, and other data may change over time and may vary by lender or source. Please verify the latest information and consult a qualified financial advisor or the respective Bank/NBFC before making any financial decisions.
Apply for Loans Fast and Hassle-Free
Subscribe Now
About the author
LoansJagat Team
‘Simplify Finance for Everyone.’ This is the common goal of our team, as we try to explain any topic with relatable examples. From personal to business finance, managing EMIs to becoming debt-free, we do extensive research on each and every parameter, so you don’t have to. Scroll up and have a look at what 15+ years of experience in the BFSI sector looks like.
Related Blog Post
Simplify All Your Loans Into One Affordable EMI
Customers Served
Debt Consolidated
1200+ Reviews
Locations in India
Club all Loans & Credit Card Bills into Single EMI
Quick Apply Loan
Consolidate your debts into one easy EMI.
Takes less than 2 minutes. No paperwork.
10 Lakhs+
Trusted Customers
2000 Cr+
Loans Disbursed
4.7/5
Google Reviews
50+
Banks & NBFCs Offers
Other services mentioned in this article
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 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 | Description |
Easy EMIs | Easily convert your spends above ₹2,500 into EMIs |
Instant benefits | Instantly redeem your cash points for travel bookings, vouchers, and more |
Tap and pay | Simply wave the card before the payWave-enabled reader at the merchant store |
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.
Spark5 | Spark10 | Spark20 |
Earn 2 cash points on every ₹200 spent | Earn 2 cash points on every ₹200 spent | Earn 2 cash points on every ₹200 spent |
Welcome bonus of 2,500 cash points on your first transaction within 30 days and payment of joining fee |
DBS Spark Credit Card | Annual Fee (First year) |
Spark 5 | ₹499 |
Spark 10 | ₹999 |
Spark 20 |
Late payment fee | NIL- total amount due <= ₹100 ₹99 - total amount due > ₹100 and <=500 ₹499 - total amount due > ₹500 and <= ₹5,000 10% of the total amount due greater than ₹5,000, subject to a maximum of ₹1,299 |
Over-limit penalty | ₹600 |
Charge slip retrieval charges | ₹100 |
3.5% of the transaction amount
Return payment charges
₹500
Apart from these charges, there are more charges, which you can read here: Terms and Conditions.
The general eligibility conditions to apply for the DBS Spark Credit Card are as follows:
Read More – Why More Indians Are Switching to Digital Banks
Interest-free cash withdrawals
Withdraw up to the cash limit assigned to you. Avail interest-free cash withdrawal for up to 50 days. |
International acceptance | Effortlessly shop on international websites or while you travel abroad. |
Welcome bonus of 5,000 cash points on your first transaction within 30 days and payment of joining fee
Welcome bonus of 7,500 cash points on your first transaction within 30 days and payment of joining fee |
Bonus 5x cash points of up to 3,000 cash points on monthly offline spends of over ₹10,000 | Bonus 10x cash points of up to 5,000 cash points on monthly online spends of over ₹15,000 | Bonus 20x cash points of up to 7,000 on monthly online spending of over ₹20,000 on utility, dining, and grocery. |
Bonus 2,500 cash points on spends of ₹50,000 in calendar quarter | Bonus 3,500 cash points on spends of ₹75,000 in a calendar quarter | Bonus 5,000 cash points on spends of ₹1,00,000 in a calendar quarter |
1 complimentary lounge access per quarter at a selection of domestic airports | 1 complimentary lounge access per quarter at a selection of domestic airports | 2 complimentary lounge access per quarter at select domestic airports |
Buy 1 ticket and save up to ₹200 on the second one on BookMyShow | Buy 1 ticket and save up to ₹200 on the second one on BookMyShow | Buy 1 ticket and save up to ₹200 on the second one on BookMyShow |
1% fuel surcharge waiver(upto ₹100 per month) | 1% fuel surcharge waiver (up to ₹150 per month) | 1% fuel surcharge waiver(upto ₹250 per month) |
Annual fee waiver on spending ₹1,50,000 in an anniversary year | Annual fee waiver on spending ₹2,00,000 in an anniversary year | Annual fee waiver on spending ₹2,50,000 in an anniversary year |
Annual benefits worth up to ₹11,000 | Annual benefits worth up to ₹17,000 | Annual benefits worth up to ₹30,000 |
—-------- | Bonus 5x cash points of up to 5,000 cash points on monthly offline spends of over ₹15,000 | Bonus 10x cash points of up to 7,000 cash points on monthly online spends of over ₹20,000 |
—---------- | —---------- | Bonus 5x cash points of up to 7,000 cash points on monthly offline spends of over ₹20,000 |
Card replacement fee
₹200 |
Physical statement/reprinting of statement | ₹100 |
Digital statement fee before 2 years from the date of request | ₹100 |
Foreign currency transaction |
*T&C Apply
To apply for the DBS Spark Credit Card, you will need the following documents:
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.
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
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:
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.
DBS Spark Credit Card | HDFC Bank Business Regalia Credit Card |
Offers cash points that can be redeemed for discounts. | Offers cashback on business transactions, priority pass membership, and access to airport lounges. |
Allows users to convert spending over a certain amount into EMIs | Offers revolving credit at a nominal interest rate. |
Can be used for international travel | Can be used for international travel, dining, and shopping. |
Pros | Cons |
Cash points: Earn 2 cash points on every ₹200 spent, and 5 times the cash points for offline transactions over ₹10,000 | Debt Trap: If you spend more than you can repay, you could end up in debt |
Airport Lounge Access: Complimentary access to the domestic airport lounges year-round for the primary cardholder. | Cash Advance charges: 2.5% of the cash amount |
EMI Conversion: Convert purchases into EMIs to spread out payments over time. | EMI Foreclosure charges: 3% of the unpaid principal amount |
Cash withdrawals: Withdraw cash up to 50 days of interest-free access | Over-limit penalty: ₹600 |
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.
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.
Also Read - DBS Bank Net Banking
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.
Other Credit Cards | ||
