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

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
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.

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.

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	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

DBS Spark Credit Card Fees & Charges

DBS Spark Credit Card	Annual Fee (First year)
Spark 5	₹499
Spark 10	₹999
Spark 20	₹1499

Other fees

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
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	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.

Eligibility Criteria for DBS Spark Credit Card

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

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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

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 and cons of DBS Spark Credit Card

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

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.

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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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