DBS Spark 20 credit card credit card
Joining Fee:

₹1499 +GST

Return Percentage:

2% to 4%

Credit Card Overview

An enhanced Spark 20 variant delivering elevated rewards, milestone bonuses, and additional lifestyle privileges for loyal DBS customers.

Best Suited For: Experience

DBS logoDBSVisa

Fees and charges at a glance

Annual fee
₹1,499

Charged every year you keep the card

Joining fee
₹1,499

Paid once when you get the card, plus GST

Reward rate
2% to 4%

Depends where you spend

Forex markup
1.75%

Extra charge on foreign spends

Interest rate
42% p.a.

Only if you don't pay the full bill

Add-on card
Free

An extra card for family

DBS Spark 20 credit card — Earn Categories

Everyday rate

  • Base Rewards2 CashPoints / ₹200

Earns nothing on these

Spends in these categories carry no rewards on this card.

  • Jewellery
  • Fuel
  • Rent
  • Wallets