DBS Spark 5 Visa Credit Card
DBS Bank
Last updated: Feb 03, 2026
₹499
₹499
3.5%
4 visits/yr
Contents
DBS Spark 5 Visa Credit Card is an entry-level rewards card designed for everyday spends, movies, domestic travel and fuel in India. Cardholders earn Cash Points on all eligible transactions plus powerful 5X monthly and quarterly milestone bonuses for regular usage. Spark 5 also offers complimentary domestic airport lounge access, BookMyShow Buy 1 Get 1 movie tickets and a 1% fuel surcharge waiver every month. It works best as a value-for-money lifestyle and shopping card for users who can consistently spend around ₹10,000 or more per month.
Features of DBS Spark 5 Visa Credit Card which makes it unique
5X Monthly Milestone Booster
Hit ₹10,000 monthly eligible spends and unlock 5X Cash Points on DBS Spark 5.
Boosts reward earnings significantly for users who can route regular card spends like groceries, utilities and shopping through the card.
Most entry-level credit cards offer flat rewards; DBS Spark 5 adds strong milestone-based accelerators.
Quarterly Cash Points Milestone
Get 2,500 bonus Cash Points every quarter on ₹50,000 spends.
Rewards consistent spenders with additional value-back on top of monthly milestone benefits.
Quarterly milestones are less common on basic rewards cards in this fee range.
Complimentary Domestic Lounge Access Without Income-Locked Tiers
Enjoy 1 free domestic airport lounge visit per quarter even as an entry-level cardholder.
Makes airport lounge access accessible to beginners who do not hold premium or super-premium cards.
Many competing entry-level cards either do not offer lounge access or restrict it heavily via partner-only programs.
BookMyShow Buy 1 Get 1 Movie Offer
Monthly B1G1 movie offer for movie lovers booking via BookMyShow.
Saves up to ₹2,400 per year for frequent movie-goers when the offer is used every month.
Competes directly with entertainment-focused cards while also offering strong milestone rewards.
Rewards Structure of DBS Spark 5 Visa Credit Card
All Eligible Spends
baseAll eligible retail transactions, excluding fuel, wallet loads, rent, jewellery, EMI transactions, balance transfers, cash withdrawals and fees.
Each Cash Point is typically worth around ₹0.20 when redeemed via DBS Delights against flights, hotels, shopping vouchers or bill payments.
Monthly Milestone – Spark 5
baseCross monthly eligible spends of ₹10,000 to unlock 5X Cash Points on all eligible transactions in that statement cycle.
Rent, wallet load, fuel, cash withdrawal and jewellery spends count for reaching the milestone threshold but do not earn base or bonus Cash Points.
Quarterly Milestone – Spark 5
baseAchieve ₹50,000 eligible spends in a calendar quarter across primary and add-on cards.
Quarterly milestone is calculated on a calendar-quarter basis; refunds and reversals can reduce or claw back previously credited milestone Cash Points.
Milestones of DBS Spark 5 Visa Credit Card
Monthly Spark 5 Milestone
₹10,000 eligible monthly retail spends : 5X Cash Points on eligible spends, capped at 3,000 bonus Cash Points per month.
Quarterly Spark 5 Milestone
₹50,000 eligible retail spends per calendar quarter : 2,500 bonus Cash Points credited after the quarter.
Fees & Charges of DBS Spark 5 Visa Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹499 |
| Annual Fee | ₹499 |
| Forex Markup Fee | 3.5% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹1,299 |
| Over Limit Fee | ₹600 |
| Returned Payment Fee | ₹500 |
| Cash Withdrawal Fee | 3% |
Renewal Conditions:Annual fee of ₹499 + GST waived on ₹1,50,000 spends in the previous membership year.
Fee Explanation Standard DBS Spark 5 schedule of fees applies, including slab-based late payment charges and cash advance fees on withdrawals and overdue balances.
Detailed Explanation of DBS Spark 5 Visa Credit Card Fees
Joining Fee: ₹499 + GST (once)
Charged in the first year; welcome bonus applicable on first transaction and fee payment within 30 days.
Annual Fee: ₹499 + GST (yearly)
Waived when annual spends in the previous membership year reach ₹1,50,000.
Foreign Currency Markup: 3.5% (transaction)
Applied on all international transactions done in foreign currency.
Cash Advance Fee: 2.5% (min ₹500) (transaction)
Charged on ATM and over-the-counter cash withdrawals; finance charges apply from transaction date.
Late Payment Fee: Up to ₹1,299 (statement)
Nil up to ₹100; ₹99 for ₹101–₹500; ₹499 for ₹501–₹5,000; 10% of Total Amount Due (max ₹1,299) above ₹5,000.
Overlimit Fee: ₹600 (statement)
Levied when the total outstanding exceeds the assigned credit limit.
Card Replacement Fee: ₹200 (per request)
Applicable on card re-issuance for loss, theft or damage.
Reward Redemption Fee: ₹99 + GST (per redemption)
Charged whenever Cash Points are redeemed via DBS Delights or other eligible channels.
Cash Deposit Fee: ₹250 (transaction)
Levied on cash payments made at DBS Bank branches.
Lounge Access Benefits with DBS Spark 5 Visa Credit Card
domestic Lounges
silverVisits per year: 4
Guest access: No
1 complimentary domestic airport lounge visit per quarter at participating lounges for the primary cardholder; access is subject to network and lounge partner terms.
international Lounges
silverVisits per year: 0
Guest access: No
No complimentary international airport lounge access on DBS Spark 5; international lounges may still be accessed on a paid basis where supported.
Additional Features of DBS Spark 5 Visa Credit Card
Contactless Payments
Tap-and-pay enabled Visa contactless credit card for faster checkouts at NFC-enabled POS machines.
Tap transactions allowed up to the contactless limit set by RBI and the bank; above this limit, PIN or additional authentication may be required.
EMI Conversion (Insta EMI / Split & Pay)
Convert large purchases into EMIs directly on the DBS Spark 5 Credit Card for easier repayments.
Available on eligible transactions above the minimum EMI amount for tenures like 3, 6, 9, 12 months or as per bank offer; processing fees and interest charges apply.
DBS Delights Rewards Platform
Redeem Cash Points for flights, hotels, gift vouchers and shopping offers on dbsdelights.in.
Minimum redemption values and reward redemption fee may apply; catalogue and offers are subject to change.
Interest-Free Period
Enjoy an interest-free credit period of up to 50 days on retail purchases when dues are paid in full by the due date.
No interest-free period on cash advances or when only part payment is made; finance charges apply as per the prevailing APR.
Add-On Cards
Option to issue supplementary cards for family members on the same credit limit.
Spends on add-on cards earn Cash Points and count towards monthly and quarterly milestones; all charges are billed to the primary card account.
Welcome Bonus with DBS Spark 5 Visa Credit Card
Welcome Bonus: 2,500 Cash Points
Bonus Conditions: Make your first purchase and pay the joining fee within 30 days of card setup.
Application Process for DBS Spark 5 Visa Credit Card
Processing Time
Typically 5–7 working days after complete documentation and successful verification.
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Visit the official DBS Bank India website and navigate to the Credit Cards section.
Select DBS Spark Credit Card and choose the Spark 5 variant.
Click on Apply Now and fill in your personal, employment and contact details accurately.
Upload your KYC documents like PAN, Aadhaar, address proof and income proof as requested.
Complete any video KYC or in-person verification steps if required by DBS Bank.
After approval, your DBS Spark 5 Visa Credit Card will be dispatched and can also be managed via the DBS Card+ IN app.
Required Documents for DBS Spark 5 Visa Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Income Proof
self_employedAccepted documents:
DBS Spark 5 Visa Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide acceptance across offline POS terminals and online merchants throughout India wherever Visa credit cards are accepted.
International Acceptance
Global acceptance at millions of Visa merchant outlets, ATMs and online websites worldwide.
Online Acceptance
Supported on most major Indian e-commerce, bill payment and subscription platforms.
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for DBS Spark 5 Visa Credit Card
Quick Eligibility Check
Minimum Age
18+
Credit Score
720+
Citizenship
Indian residents only
Income Requirements
Salaried Applicants
₹0
Minimum annual income
Self-Employed Applicants
₹0
Minimum annual income
Who Can Apply
Important Conditions
- Applicant must be an Indian citizen aged 18+ with a stable, verifiable income source and a healthy credit profile; no official minimum salary is disclosed by DBS Bank.
How Approval Is Decided
- Indian citizen aged 18 years or above.
- Stable and verifiable income from salaried or self-employed sources.
- Credit score preferably 720 or above with clean repayment history.
- Satisfactory internal risk assessment as per DBS Bank credit policies.
Pros of DBS Spark 5 Visa Credit Card
- Attractive 5X monthly milestone and quarterly Cash Points bonuses for regular users.
- Complimentary domestic airport lounge access (1 visit per quarter) on a low-fee card.
- Buy 1 Get 1 free movie ticket on BookMyShow with savings up to ₹200 per month.
- 1% fuel surcharge waiver up to ₹100 per month on eligible fuel transactions.
- Easy online application journey via DBS website and DBS Card+ IN app with digital tracking.
Cons of DBS Spark 5 Visa Credit Card
- Base reward rate of 2 Cash Points per ₹200 (effective value ~0.20%–0.40%) is low without hitting milestones.
- No complimentary international lounge access or premium travel benefits.
- Fuel, rent, wallet loads, EMI and jewellery spends do not earn Cash Points.
- Forex markup of 3.5% makes it less suitable for heavy international travellers.
- Reward redemption fee applies on every Cash Points redemption, slightly reducing net value-back.
Frequently Asked Questions about DBS Spark 5 Visa Credit Card
Is the DBS Spark 5 Visa Credit Card good for beginners in India?
Yes, DBS Spark 5 Visa Credit Card is well-suited for beginners and first-time credit card users who spend around ₹10,000 or more per month. It offers simple Cash Points on daily spends, 5X monthly milestone rewards, quarterly bonuses, domestic lounge access, BookMyShow Buy 1 Get 1 offers and a fuel surcharge waiver, making it a strong all-round entry-level rewards card.
How do I earn rewards on the DBS Spark 5 Visa Credit Card?
You earn 2 Cash Points for every ₹200 spent on eligible retail transactions. Once your eligible monthly spends cross ₹10,000, DBS Spark 5 unlocks 5X rewards—meaning extra bonus Cash Points on top of the base earn rate. If your quarterly spends reach ₹50,000, you also earn a 2,500 Cash Points milestone bonus, increasing your overall value-back.
Does DBS Spark 5 Visa Credit Card offer airport lounge access?
Yes, DBS Spark 5 offers 1 complimentary domestic airport lounge visit per quarter for the primary cardholder at participating lounges in India. Over a full year, this can add up to 4 free lounge visits, which is rare for an entry-level fee credit card in this price segment.
What are the main fees and charges on DBS Spark 5 Visa Credit Card?
DBS Spark 5 charges a ₹499 + GST joining fee and a ₹499 + GST annual fee from the second year onwards, which is waived when you spend ₹1,50,000 in the previous membership year. The card has a 3.5% forex markup on international transactions, a 2.5% cash advance fee (minimum ₹500), slab-based late payment charges up to ₹1,299 and a reward redemption fee of ₹99 + GST per redemption.
Who should consider getting the DBS Spark 5 Visa Credit Card?
DBS Spark 5 Visa Credit Card is ideal for salaried professionals and self-employed users who want an affordable card to maximise savings on everyday spends like groceries, utilities, shopping and domestic travel. It works best if you can cross the ₹10,000 monthly spend threshold regularly to unlock 5X milestone rewards and fully leverage the BookMyShow offer, lounge access and fuel surcharge waiver.
Who should avoid the DBS Spark 5 Visa Credit Card?
You may want to avoid DBS Spark 5 if you are a heavy international traveller seeking low forex markup and global lounge access, or if you prefer high flat cashback on online spending without tracking milestones. In such cases, premium travel cards or dedicated cashback cards with higher reward rates on e-commerce and bill payments might provide better returns.
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