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 logoDBS

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 — Milestones

  1. Welcome benefit

    No spend needed — within 60 days

    7,500 Cash Points

  2. Spend rewardRepeats every year

    Spend ₹20,000 in a month

    Cardholders spending ₹20,000+ monthly earn 20X on Utility, Dining & Grocery, 15X on other online spends, and 5X on offline spends. An extra 38 (Grocery, Dining, Utility), 28 (other online), & 8 (offline) points per ₹200 spent will be credited beyond base points.

  3. Spend rewardRepeats every year

    Spend ₹1,00,000 per statement cycle

    Earn 5,000 points.