Joining Fee:
₹499 +GST
Return Percentage:2% to 4%
Credit Card Overview
A Spark 5 card crafted for everyday users, offering steady rewards on shopping and dining spends with easy redemption.
Best Suited For: Experience
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DBSFees and charges at a glance
- Annual fee
- ₹499
- Joining fee
- ₹499
- Reward rate
- 2% to 4%
- Forex markup
- 1.75%
- Interest rate
- 42% p.a.
- Add-on card
- Free
Charged every year you keep the card
Paid once when you get the card, plus GST
Depends where you spend
Extra charge on foreign spends
Only if you don't pay the full bill
An extra card for family
DBS Spark 5 credit card — Milestones
- Welcome benefit
No spend needed — within 60 days
2,500 Cash Points
- Spend rewardRepeats every year
Spend ₹10,000 in a month
Cardholders spending ₹10,000+ monthly earn 5X rewards on eligible spends.An extra 8 Cash Points per ₹200 spent will be credited beyond base rewards.
- Spend rewardRepeats every year
Spend ₹50,000 per statement cycle
Earn 2,500 points.
- Annual fee waivedRepeats every year
Spend ₹1,50,000 in a year
The renewal fee will be waived.