{"id":86082,"date":"2026-04-06T16:05:05","date_gmt":"2026-04-06T10:35:05","guid":{"rendered":"https:\/\/piceapp.com\/blogs\/?p=86082"},"modified":"2026-04-06T16:05:12","modified_gmt":"2026-04-06T10:35:12","slug":"dbs-spark-credit-card","status":"publish","type":"post","link":"https:\/\/piceapp.com\/blogs\/dbs-spark-credit-card\/","title":{"rendered":"Earn up to 20x Cash Points with The DBS Spark Credit Card"},"content":{"rendered":"\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\" id=\"key-takeaways\"><strong>Key Takeaways<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Up to 20x cash points on eligible monthly spends above \u20b920,000.\u00a0<\/li>\n\n\n\n<li>Get a \u2018Buy 1 Get 1\u2019 offer on movie tickets through BookMyShow<\/li>\n\n\n\n<li>Up to 7,500 Cash Points as a welcome gift.\u00a0<\/li>\n\n\n\n<li>Up to 2 complimentary domestic airport lounge visits per quarter.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>The DBS Spark credit card is designed for modern spenders. Crafted as a versatile lifestyle card, it simplifies the capacity to earn premium benefits by offering 3 distinct variants tailored to different spending habits.\u00a0<\/p>\n\n\n\n<p>Whether you are a frequent traveller or a movie buff, the Spark card transforms your everyday expenses into meaningful value through its robust reward system.&nbsp;&nbsp;<\/p>\n\n\n\n<p>Ready to see how this card works? Then, keep scrolling!<\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Table of Contents<\/h2><nav><ul><li><a href=\"#what-are-the-dbs-spark-credit-card-benefits\">What are the DBS Spark Credit Card Benefits?\u00a0<\/a><\/li><li><a href=\"#how-to-earn-accelerated-cash-points-on-the-dbs-spark-credit-card\">How to Earn Accelerated Cash Points on the DBS Spark Credit Card?\u00a0<\/a><\/li><li><a href=\"#additional-dbs-spark-credit-card-features\">Additional DBS Spark Credit Card Features<\/a><\/li><li><a href=\"#things-to-keep-in-mind-about-dbs-spark-credit-card-cash-points\">Things to Keep in Mind About DBS Spark Credit Card Cash Points<\/a><\/li><li><a href=\"#what-are-the-dbs-spark-credit-card-charges\">What are the DBS Spark Credit Card Charges?\u00a0\u00a0<\/a><\/li><li><a href=\"#who-is-eligible-to-apply-for-the-dbs-spark-credit-card\">Who is Eligible to Apply for the DBS Spark Credit Card?\u00a0<\/a><\/li><li><a href=\"#dbs-spark-credit-card-customer-care-details\">DBS Spark Credit Card Customer Care Details\u00a0<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"what-are-the-dbs-spark-credit-card-benefits\"><strong>What are the DBS Spark Credit Card Benefits?&nbsp;<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"682\" src=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/04\/DBS-Spark-Benefits-1024x682.jpg\" alt=\"DBS Spark Credit Card Benefits\" class=\"wp-image-86084\" title=\"\" srcset=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/04\/DBS-Spark-Benefits-1024x682.jpg 1024w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/04\/DBS-Spark-Benefits-300x200.jpg 300w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/04\/DBS-Spark-Benefits-150x100.jpg 150w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/04\/DBS-Spark-Benefits-768x512.jpg 768w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/04\/DBS-Spark-Benefits.jpg 1075w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption><\/figcaption><\/figure>\n\n\n\n<p>The DBS Spark credit card offers a BOGO movie ticket benefit. Buy 1 movie ticket and get up to \u20b9200 off the second ticket on BookMyShow every month.<\/p>\n\n\n\n<p>Additionally, all 3 variants of the DBS Spark credit card, Spark 5, Spark 10 and Spark 20, offer 2 cash points on every spend of \u20b9200. However, they differ significantly in their joining benefits, eligible lounge visits, and other details, which are in the table below:&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Offerings<\/strong><\/td><td><strong>Spark 5<\/strong><\/td><td><strong>Spark 10<\/strong><\/td><td><strong>Spark 20<\/strong><\/td><\/tr><tr><td>Joining Bonus<\/td><td>2,500 cash points<\/td><td>5,000 cash points<\/td><td>7,500 cash points<\/td><\/tr><tr><td>Quarterly Milestone<\/td><td>2,500 cash points on spending \u20b950,000<\/td><td>3,500 cash points on spending \u20b975,000<\/td><td>5,000 cash points on spending \u20b91,00,000<\/td><\/tr><tr><td>Complimentary Lounge Access<\/td><td>1 domestic lounge visit per quarter&nbsp;<\/td><td>1 domestic lounge visit per quarter&nbsp;<\/td><td>2 domestic lounge visits per quarter&nbsp;<\/td><\/tr><tr><td>Fuel Surcharge Waiver (\u20b9400 &#8211; \u20b94,000)<\/td><td>\u20b9100<\/td><td>\u20b9150<\/td><td>\u20b9250<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how-to-earn-accelerated-cash-points-on-the-dbs-spark-credit-card\"><strong>How to Earn Accelerated Cash Points on the DBS Spark Credit Card?&nbsp;<\/strong><\/h2>\n\n\n\n<p>Users are eligible for accelerated cash points of up to 20x when they reach certain monthly spending thresholds. The points will be added to the cardholder\u2019s account on the statement generation date.<\/p>\n\n\n\n<p>The table below shows the details:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Offerings<\/strong><\/td><td><strong>Spark 5<\/strong><\/td><td><strong>Spark 10<\/strong><\/td><td><strong>Spark 20<\/strong><\/td><\/tr><tr><td>Monthly Spend Threshold<\/td><td>\u20b910,000<\/td><td>\u20b915,000<\/td><td>\u20b920,000<\/td><\/tr><tr><td>Accelerated Cash Points<\/td><td>5x on all eligible spends<\/td><td>10x points on digital purchases5x on all POS and contactless transactions<\/td><td>20x points on dining, utility and grocery&nbsp;10x on other digital spends&nbsp;5x on all offline transactions<\/td><\/tr><tr><td>Additional Earning (for every \u20b9200)<\/td><td>8 cash points<\/td><td>18 points on online purchases&nbsp;8 points on offline purchases&nbsp;<\/td><td>38 points on dining, grocery, and utility&nbsp;28 points on other online spends&nbsp;8 points on offline purchases<\/td><\/tr><tr><td>Monthly Cash Points Capping<\/td><td>3000<\/td><td>5000<\/td><td>7000<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>Note: <\/strong>Wallet top-up, EMI transactions, jewellery, rent, balance transfer and cash withdrawals are not eligible for cash points.\u00a0<\/p>\n\n\n\n<p>Want to earn points but not the hassle of tracking payments?\u00a0<\/p>\n\n\n\n<p>\ud83d\udca1Link your DBS Spark Credit Card to <a href=\"https:\/\/piceapp.com\/credit-card-bill-payment\/\">the Pice app<\/a>. An exclusive application that lets you set reminders and keep track of payments so you never miss a due date<em>!<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"additional-dbs-spark-credit-card-features\"><strong>Additional DBS Spark Credit Card Features<\/strong><\/h2>\n\n\n\n<p>The DBS Spark credit card features contactless tap-and-pay technology, allowing users to make easy, PIN-free transactions worldwide. The card also offers:&nbsp;<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>EMI Conversion<\/strong>: Convert any purchase of \u20b92,500 or more into easy EMIs with the DBS Spark credit card.<\/li>\n\n\n\n<li><strong>Interest-free Cash Withdrawals<\/strong>: Enjoy an interest-free cash withdrawal facility up to your limit for a maximum of 50 days.\u00a0<\/li>\n\n\n\n<li><strong>Effortless Cash Points Redemption<\/strong>: You can instantly redeem your cash points for products, travel reservations and more on the <a href=\"https:\/\/www.dbsdelights.in\/\" target=\"_blank\" rel=\"noopener\">DBS Delights portal<\/a>.\u00a0<\/li>\n<\/ol>\n\n\n\n<p><strong><em>Note<\/em><\/strong>: 1 cash point equals up to \u20b90.25.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"things-to-keep-in-mind-about-dbs-spark-credit-card-cash-points\"><strong>Things to Keep in Mind About DBS Spark Credit Card Cash Points<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Cash points redemption on the DBS Delights attracts a fee of \u20b999 + GST.\u00a0<\/li>\n\n\n\n<li>Cash points are valid for 2 years from the accrual.\u00a0<\/li>\n\n\n\n<li>The redemption process will be restricted to users if they fail to pay the bill within 5 days of the due date.\u00a0<\/li>\n\n\n\n<li>The bank will forfeit the point balance if no payment is made within 30 days of the due date.\u00a0<\/li>\n\n\n\n<li>Cash points will be reversed in case of transaction reversal.\u00a0<\/li>\n\n\n\n<li>No cash points will be adjusted against the outstanding balance.\u00a0<\/li>\n<\/ul>\n\n\n\n<p>You can easily track your cash point balance via the DBS mobile application and DBS Delights portal. The available points balance will also be mentioned on your monthly credit card statement.&nbsp;&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"what-are-the-dbs-spark-credit-card-charges\"><strong>What are the DBS Spark Credit Card Charges?&nbsp;&nbsp;<\/strong><\/h2>\n\n\n\n<p>The DBS Spark Credit Card annual fee ranges between \u20b9499 and \u20b91,499, depending on the variant type. Take a look:\u00a0<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Parameters<\/strong><\/td><td><strong>Spark 5<\/strong><\/td><td><strong>Spark 10<\/strong><\/td><td><strong>Spark 20<\/strong><\/td><\/tr><tr><td>Joining Fee<\/td><td>\u20b9499<\/td><td>\u20b9999<\/td><td>\u20b91,499<\/td><\/tr><tr><td>Annual Fee<\/td><td>\u20b9499<\/td><td>\u20b9999<\/td><td>\u20b91,499<\/td><\/tr><tr><td>Annual Fee Waiver<\/td><td>\u20b91,50,000<\/td><td>\u20b92,00,000<\/td><td>\u20b92,50,000<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>In addition to the annual fee, the card is also subject to <a href=\"https:\/\/www.dbs.bank.in\/in\/credit-cards\/credit-card-consolidated-mitc.pdf\" target=\"_blank\" rel=\"noopener\">other key charges<\/a>. Take a look at some of them:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Type<\/strong><\/td><td><strong>Charges<\/strong><\/td><\/tr><tr><td>Finance \/ Overdue interest charges \/ Annualised Percentage Rate (APR)<\/td><td>4% per month (48% annually)<\/td><\/tr><tr><td>Card Replacement Cost<\/td><td>\u20b9200 per reissuance<\/td><\/tr><tr><td>Physical Statement Fee<\/td><td>\u20b9100 per statement<\/td><\/tr><tr><td>Return Payment Fee<\/td><td>\u20b9500 per transaction<\/td><\/tr><tr><td>Cash Payment Charges<\/td><td>\u20b9250 per credit card bill paid using cash<\/td><\/tr><tr><td>Rental Transaction Fee<\/td><td>1% or \u20b9199, whichever is higher<\/td><\/tr><tr><td>Late Payment Charges<\/td><td>For \u20b9100 and less: NIL&nbsp;For \u20b9101 &#8211; \u20b9500: \u20b999&nbsp;For \u20b9501 &#8211; \u20b95,000: \u20b9499&nbsp;For \u20b95,001 and more: 10% or \u20b91,299 (whichever is higher)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"who-is-eligible-to-apply-for-the-dbs-spark-credit-card\"><strong>Who is Eligible to Apply for the DBS Spark Credit Card?&nbsp;<\/strong><\/h2>\n\n\n\n<p>Any Indian aged between 21 and 70 years old with a stable monthly income and a good credit score is eligible to apply for the DBS Spark credit card.&nbsp;<\/p>\n\n\n\n<p>Required documents include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>PAN card or Form 60<\/li>\n\n\n\n<li>Recent salary slips or ITR\/Form 16<\/li>\n\n\n\n<li>Valid address proof such as a passport, utility bill or driving license.\u00a0<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"dbs-spark-credit-card-customer-care-details\"><strong>DBS Spark Credit Card Customer Care Details&nbsp;<\/strong><\/h2>\n\n\n\n<p>In case of lost or stolen card or other queries, you can reach out to the DBS Spark credit card customer care number. Here is a detail:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>For users in India<\/strong> &#8211; 1860 267 6789<\/li>\n\n\n\n<li><strong>For users overseas<\/strong> &#8211; +91 4469046789<\/li>\n\n\n\n<li><strong>E-mail<\/strong> &#8211; <a href=\"mailto:cardcareindia@dbs.com\">cardcareindia@dbs.com<\/a><\/li>\n<\/ul>\n\n\n\n<p>\ud83d\udca1Just like you are planning to earn smart on the DBS Spark credit card, pay all your bills even smarter with <a href=\"https:\/\/piceapp.com\/credit-card-bill-payment\/\">the Pice app<\/a>.<\/p>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\" id=\"footnote\"><strong>Footnote<\/strong><\/h3>\n\n\n\n<p>The instant EMI facility on the DBS Spark credit card is available for up to 24 months against a processing fee of \u20b9299 + GST.<\/p>\n<\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"fa-qs\">FAQs<\/h3>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1775471438407\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>How to apply for a DBS Spark credit card?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Interested individuals can apply for the DBS Spark credit card via the official website and mobile application.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1775471449865\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>How many days does DBS Spark credit card approval take?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>The DBS Spark credit card takes around 15 working days to be processed.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1775471461379\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>What is the DBS Spark credit card limit?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>The DBS Spark credit card has no fixed limit. The bank holds the authority to decide the credit limit based on the applicant\u2019s monthly income, credit history and score.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Key Takeaways The DBS Spark credit card is designed for modern spenders. Crafted as a versatile lifestyle card, it simplifies the capacity to earn premium benefits by offering 3 distinct variants tailored to different spending habits.\u00a0 Whether you are a frequent traveller or a movie buff, the Spark card transforms your everyday expenses into meaningful [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":86083,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-86082","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-card"],"_links":{"self":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/86082","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/comments?post=86082"}],"version-history":[{"count":1,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/86082\/revisions"}],"predecessor-version":[{"id":86085,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/86082\/revisions\/86085"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media\/86083"}],"wp:attachment":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media?parent=86082"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/categories?post=86082"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/tags?post=86082"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}