DBS Spark Credit Card

Spark5:

1. Get 2,500 cash points as a welcome bonus on making your first transaction within 30 days of card issuance.
2. Get 2 cash points for every Rs.200 you spend.
3. Earn 5x cash points of up to 3,000 cash points for offline transactions of more than Rs.10,000.
4. Earn bonus 2,500 cash points by spending Rs.50,000 per quarter.
5. Enjoy 1 complimentary visit to domestic airport lounges per quarter.
6. Purchase 1 ticket on BookMyShow and get up to Rs.200 off your second one.
7. Get an annual fee waiver by spending Rs.1.5 lakh in a year.
8. Avail a 1% fuel surcharge waiver on making fuel transactions of Rs.500 to Rs.5,000 per month.
9. Receive annual benefits of up to Rs.11,000.

Spark10:

1. Get 5,000 cash points as a welcome bonus on making your first transaction within 30 days of card issuance.
2. Get 2 cash points for every Rs.200 you spend.

1. Earn 10x cash points of up to 5,000 cash points for monthly online transactions of more than Rs.15,000.
2. Earn 5x cash points of up to 5,000 cash points for monthly offline transactions of more than Rs.15,000.
3. Earn bonus 3,500 cash points by spending Rs.75,000 per quarter.
4. Enjoy 1 complimentary visit to domestic airport lounges per quarter.
5. Purchase 1 ticket on BookMyShow and get up to Rs.200 off your second one.
6. Get an annual fee waiver by spending Rs.2 lakh in a year.
7. Avail a 1% fuel surcharge waiver on making fuel transactions of Rs.500 to Rs.5,000 per month.
8. Receive annual benefits of up to Rs.17,000.

Spark20:

1. Get 7,500 cash points as a welcome bonus on making your first transaction within 30 days of card issuance.
2. Get 2 cash points for every Rs.200 you spend.
3. Earn 20x cash points of up to 7,000 cash points for monthly transactions of more than Rs.20,000 on dining, utility, and grocery.
4. Earn 10x cash points of up to 7,000 cash points for monthly online transactions of more than Rs.15,000.
5. Earn 5x cash points of up to 7,000 cash points for monthly offline transactions of more than Rs.15,000.
6. Earn bonus 5,000 cash points by spending Rs.1 lakh per quarter.
7. Enjoy 2 complimentary visits to domestic airport lounges per quarter.
8. Purchase 1 ticket on BookMyShow and get up to Rs.200 off your second one.
9. Get an annual fee waiver by spending Rs.2.5 lakh in a year.
10. Avail a 1% fuel surcharge waiver on making fuel transactions of Rs.500 to Rs.5,000 per month.
11. Receive annual benefits of up to Rs.30,000.

Benefits of DBS Spark Credit Card

A DBS Spark Credit Card offers the following benefits:

1. Convert your spends of above Rs.2,500 into equated monthly instalments (EMIs).
2. Cash points can be redeemed instantly for travel, vouchers, etc.
3. Make quick payments by waving the card in front of the merchant store's payWave-enabled reader.
4. Withdraw up to the designated limit.
5. Get interest-free cash withdrawals for a maximum of 50 days.
6. The DBS Spark Credit Card is accepted globally.

DBS Spark Credit Card - Fees and Charges

The fees and charges associated with the DBS Spark Credit Card:

Eligibility for the DBS Spark Credit Card?

Before you apply for the DBS Spark Credit Card, it’s important to understand the bank's eligibility requirements. Meeting these criteria is the first step toward a successful application, as they help the bank ensure they are lending responsibly.

First, you must be a resident of India. This is a fundamental requirement for most financial products in the country.

Next, you must be at least 18 years of age. This is the legal age to enter into a contract in India, which is what a credit card agreement is.

You will also need to demonstrate a regular source of income. This assures the bank that you have the financial means to manage your credit and make payments on time. Whether you are salaried or self-employed, a consistent income stream is essential.

Finally, a strong credit history is crucial. Your credit score should ideally be 720 or higher. A high credit score indicates to the bank that you have a proven track record of managing debt responsibly, making you a low-risk applicant.

Documents You'll Need to Apply

To verify your identity and financial standing, DBS Bank will require you to submit a few key documents along with your application. Having these ready will make the process much smoother.

The most critical document is your PAN Card, which is mandatory for all credit card applications.

You will also need to provide Proof of Identity. Accepted documents typically include your Aadhaar Card, Passport, Driver’s License, or Voter ID card.

Similarly, you must submit Proof of Address. Your Aadhaar Card, a recent utility bill (like electricity or telephone), or your Passport can serve this purpose. Ensure the name and address on the document match your application.

Lastly, you will be asked for Proof of Income. If you are a salaried employee, this usually means your latest few months' salary slips and bank statements. If you are self-employed, you will likely need to provide your most recent Income Tax Returns (ITR) and audited financials

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