DBS Spark 10 Mastercard Credit Card

DBS Spark 10 Mastercard Credit Card is a everyday credit card from DBS Bank. Cardholders will earn 5,000 cash points on making their first purchase transaction within 30 days of card set up,….

Joining fee: ₹999,
Annual fee: ₹999,
Forex markup: 3.50%
Interest: 4% monthly, 48% annually

More DBS cards

Welcome benefits

Cardholders will earn 5,000 cash points on making their first purchase transaction within 30 days of card set up, and payment of the joining fee

More benefits & features

Monthly milestone
Quarterly milestone

Fees & charges

Joining fee: ₹999, the
Annual fee: ₹999, the
Foreign currency markup: 3.50%
Interest rate: 4% monthly, 48% annually
Late payment: ₹400 to ₹1299
Cash advance: 2.5% or ₹500, whichever is higher
Fuel surcharge: 1% fuel surcharge waiver on transactions up to ₹4,000. The maximum surcharge waiver is ₹150 per statement cycle, per…
Billing cycle: 20 to 50 days

Pros and cons

What works well

Cardholders will earn 5000 cash points on making their first purchase transaction within 30 days of card set up, and payment of the joining fee
Cardholders will earn 2 cashpoints for every ₹200 spent on eligible purchases
The value of 1 cash point is ₹0.20 so the cashback rate is 0.20%
Cardholders crossing the monthly spend threshold of ₹15,000 will earn 10X on other online spends (maximum 5000 cash points) & 5X on all offline spends (maximum 5000 cash points)
Further, cardholders will get a bonus of 3500 cash points on spending ₹75,000 in a calendar quarter
Users will get 1 complimentary access to domestic airport lounges per quarter

Worth knowing

Very low cashback rate
High joining and annual fees

Who can apply

Not specified by the bank

How to apply

Visit the official DBS Bank India website
Navigate to the credit cards section, usually under "Personal Banking."
Find the DBS Spark Credit Card and click on "Apply Now" or a similar option
You will be directed to an online application form
Fill in all the required details accurately
You may need to upload scanned copies of the necessary documents
Follow the on-screen instructions to complete and submit your application

Details come from information published by DBS Bank and may change. Confirm current fees, benefits and eligibility with the bank before applying. Some links are partner links; MyRupaya may earn a commission at no extra cost to you.