How do I earn CashPoints on the Spark10 card?

You earn 2 CashPoints per ₹200 on eligible spends; additional bonus multipliers apply on meeting monthly milestones.

Is the annual fee for Spark10 waived?

Annual fee (₹999) can be waived if you meet the bank’s specified annual spend criteria — check DBS terms for the exact threshold.

Does Spark10 offer airport lounge access?

Yes — domestic lounge visits are part of the Spark benefits (number of visits vary by variant and T&Cs).

What is the forex markup on the DBS Spark 10 card?

Foreign currency markup is typically 3.5% on DBS Spark variants (refer to bank fees schedule).

How can I redeem CashPoints?

Redeem via DBS Delights for flights, hotels, vouchers and statement credits — minimum redemption thresholds may apply.

Credit Cards/DBS Bank/DBS Spark 10 Visa Credit Card

DBS Spark 10 Visa Credit Card

Q: What is the welcome bonus for DBS Spark 10?

5,000 CashPoints on your first transaction within 30 days of card issuance (and payment of joining fee).

DBS Bank

Last updated: Feb 03, 2026

fuel grocery restaurants e-commerce

Annual Fee

₹999

Joining Fee

₹999

Forex Fee

3.5%

Lounge Access

8 visits/yr

The DBS Spark 10 Visa is a value-focused rewards card in the Spark family offering steady base CashPoints, meaningful milestone multipliers and a useful welcome bonus. It is targeted at regular spenders who want incremental rewards on monthly spend thresholds, plus domestic lounge access and fuel surcharge relief. If you hit monthly milestones, the effective return increases substantially, making it competitive among mid-tier rewards cards.

Features of DBS Spark 10 Visa Credit Card which makes it unique

Monthly Multiplier Engine

Bonus CashPoints multiply monthly on crossing spend thresholds

High upside for concentrated monthly spend

Gives better short-term uplift vs steady-return cards

DBS Delights Redemption

In-house rewards portal to redeem CashPoints for vouchers, flights and more

Flexible redemptions

Comparable to other bank portals but with variant-specific bonuses

Rewards Structure of DBS Spark 10 Visa Credit Card

Base

base

All eligible transactions unless excluded in T&Cs

Reward Rate:2 CashPoints per ₹200

Monthly Cap:No hard cap on base earn

1 CashPoint ≈ ₹0.25 (DBS valuation); CashPoints redeemable via DBS Delights.

Online

base

Monthly online spends above ₹15,000

Reward Rate:Bonus up to 10X CashPoints (variant-linked) — capped per month

Monthly Cap:Bonus caps apply (see bank T&Cs)

Multipliers are monthly and depend on variant and thresholds.

Offline (Dining, Grocery, Utilities)

base

Monthly offline spends above ₹15,000–₹20,000 depending on variant

Reward Rate:Bonus up to 5X–20X CashPoints (variant & category dependent)

Monthly Cap:Bonus caps apply (see bank T&Cs)

Milestone multipliers drive most of the card’s value — read T&Cs to confirm eligible categories.

Milestones of DBS Spark 10 Visa Credit Card

Monthly Milestone Bonus

Typically ₹15,000–₹20,000 (variant-dependent) : Bonus multipliers (e.g., 5X/10X) on eligible categories — capped monthly CashPoints.

Quarterly Milestone

₹75,000 in a calendar quarter (Spark10 example) : Bonus CashPoints (example: 3,500 CashPoints for Spark10) per T&Cs.

Fees & Charges of DBS Spark 10 Visa Credit Card

Fee & Amount	Fee Value
Joining Fee	₹999
Annual Fee	₹999
Forex Markup Fee	3.5%
Cash Advance Fee	2.5%
Late Payment Fee	0%
Over Limit Fee	₹500
Returned Payment Fee	₹350
Cash Withdrawal Fee	3%

Renewal Conditions:Annual fee may be waived on specified annual spend (typically ₹2,00,000 for Spark10 — check bank T&Cs).

Fee Explanation Standard DBS fee schedule applies: joining/renewal fees, cash advance charges, late payment and overlimit charges follow bank T&Cs and RBI rules. | Late payment fee details: Tiered (up to ~₹1,299 depending on outstanding amount) — follows bank’s late payment schedule.

Detailed Explanation of DBS Spark 10 Visa Credit Card Fees

Joining / Annual Fee: ₹999 (yearly)

Waiver available on meeting annual spend criteria (bank T&Cs).

Cash Advance Fee: 2.5% (transaction)

Minimum charge applies as per bank T&Cs.

Foreign Currency Markup: 3.5% (transaction)

Applied on all forex transactions as per bank’s schedule.

Lounge Access Benefits with DBS Spark 10 Visa Credit Card

domestic Lounges

silver

Visits per year: 8

Guest access: No

Complimentary domestic lounge visits included for Spark variants (subject to T&Cs).

international Lounges

silver

Visits per year: 0

Guest access: No

Priority Pass not standard on Spark10; higher variants may include international lounge visits.

Insurance Coverage with DBS Spark 10 Visa Credit Card

Travel Insurance

Varies

Limited travel benefits available on charged transactions and international travel; check T&Cs.

Purchase Protection

Varies

Purchase protection and warranty benefits depend on merchant and redemption; check bank policy.

Additional Features of DBS Spark 10 Visa Credit Card

Contactless Payments

Tap-to-pay enabled on the physical card

EMI Conversion

Eligible transactions can be converted to EMIs

Minimum transaction amount for EMI conversion applies.

Welcome Bonus with DBS Spark 10 Visa Credit Card

Welcome Bonus: 5,000 CashPoints ays
Bonus Conditions: Valid on first transaction within 30 days of card issuance and payment of joining fee; new cardholders only. See bank T&Cs for exclusions.

Application Process for DBS Spark 10 Visa Credit Card

Processing Time

5-7 business days (typical, subject to verification).

Online Application

Available

Instant Approval

Not Available

Step-by-Step Process

Apply online via DBS credit cards portal or partner aggregator

Upload KYC and income documents

Receive verification call or email

Card dispatched once approved (typical 5-7 business days)

Required Documents for DBS Spark 10 Visa Credit Card

ID Proof

all

Accepted documents:

PAN Aadhaar

Address Proof

all

Accepted documents:

Passport Utility Bill

Income Proof

salaried

Accepted documents:

Payslip Form 16