Digital digibank Rewards & Instant Cashback on Everyday Shopping
DBS digibank users, online food delivery, and digital bill payments
₹499
One-time upfront₹499
Waived on ₹75,000 annual spend2 Cash Points/₹200 Across All Three Variants
On eligible spends4 Domestic visits/year
Complimentary visitsLast verified 3 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The DBS Spark Credit Card is an accessible digital lifestyle credit card issued by DBS Bank India, engineered for users who manage their finances through the digibank mobile app. Its standout feature is high reward velocity on daily digital conveniences: cardholders earn up to 3X reward points on online shopping, grocery apps, and dining delivery platforms, delivering an effective value return of up to 1.50% on popular digital merchants. Reward points can be redeemed instantly within the digibank app against past transactions with zero redemption friction. The card carries an annual fee of ₹499, which is completely waived upon spending ₹75,000 annually. It also provides a 1% fuel surcharge waiver nationwide. Drawbacks include the absence of airport lounge access, standard 3.50% forex charges, and higher revolving finance charges of 3.50% per month (42.0% annualized). For active DBS digibank customers seeking transparent app-based rewards and frictionless statement redemptions, the Spark card offers compelling daily utility.
2 Cash Points/₹200 Across All Three Variants
Cash Points Up to 7,500
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Partner Spends | Up to 20 Cash Points per ₹100 on curated partner brands (equivalent to up to 5% value) | No Cap | Fuel, rent, wallet loads |
| Movies | Buy 1 Get 1 free movie tickets on BookMyShow (up to ₹200 discount per month) | 200 INR (₹)/mo | Non-BMS transactions |
| General | 2 Cash Points per ₹100 spent on standard retail transactions | No Cap | Fuel, wallet loads, cash advance |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| Partner Spends | ₹6,000 | Up to 20 Cash Points per ₹100 on curated partner brands (equivalent to up to 5% value) | — | None | Calculating... | Under cap |
| Movies | ₹6,000 | Buy 1 Get 1 free movie tickets on BookMyShow (up to ₹200 discount per month) | — | ₹200/monthly | Calculating... | Under cap |
| General | ₹18,000 | 2 Cash Points per ₹100 spent on standard retail transactions | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹499
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
Verify this card against live departure gates and specific terminal lounges across India.
This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
Key Terms & Conditions for DBS Spark Credit Card: • Joining & Annual Fee: ₹499 + GST; annual renewal fee waived on cumulative annual retail spends of ₹75,000 or more. • Digibank App Integration: Direct real-time transaction tracking, instant card controls, and in-app statement redemption for points. • Accelerated Digital Rewards: Earn 3 DBS points per ₹100 spent on online retail shopping, food delivery, and grocery apps. • General Rewards: 1 DBS point per ₹100 on standard offline retail POS transactions. • Fuel Surcharge Relief: 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000 across domestic petrol pumps. • Finance Charges: 3.50% per month (42.0% annualized) on overdue revolving balances.
Evaluate whether this card's perks and waiver threshold justify its ₹499 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Eligibility criteria not specified
Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.
Common questions regarding DBS Spark Credit Card application, fees, reward redemption, and eligibility
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Direct online application on the official DBS Bank portal with paperless verification.
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