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DBS Bank
VISA
Spark10

DBS Bank Spark10

DBS Spark10 cashback card for first-timers: Rs. 999 annual fee (waived at Rs. 2L spend), 10X-5X monthly bonus multipliers, and 4 domestic lounge visits yearly.

cashbackfees-freefirst-timers

Last reviewed 26 July 2026

Fees

Joining fee

₹999

Annual fee

₹999

Waiver: Annual fee is waived from the following year if you spend Rs. 2 lakh or more in the preceding 12 months.

Eligibility

Min. CIBIL Score: 720+

Age: 21–70 yrs

Employment: salaried, self employed

Rewards

all other1x points

Welcome benefits

  • • 5,000 Cash Points on making the first transaction within 30 days of card issuance.

Perks

  • ✓Domestic lounge access: 4/yr1 complimentary domestic lounge visit per quarter (4 per year) at select airports; no minimum spend condition reported by sources, but access is domestic-only.
  • ✓Fuel surcharge waiver: 1%1% fuel surcharge waiver on fuel transactions between Rs. 500 and Rs. 5,000. No specific monthly cap amount is confirmed by any cited source.
  • ✓Forex markup: 3.5%
  • ✓10X Cash Points on eligible online spends and 5X on eligible offline spends after crossing Rs. 15,000 in monthly spend, capped at 5,000 bonus Cash Points per month.
  • ✓Additional 3,500 bonus Cash Points on crossing Rs. 75,000 in quarterly spend.
  • ✓Cash Points do not accrue on fuel, wallet loads, jewellery, rent, EMI conversions, or balance transfers, per aggregator coverage of the Spark lineup.

Common questions

What is the annual fee on the DBS Bank Spark10?
The joining fee is ₹999. The annual fee is ₹999. Annual fee is waived from the following year if you spend Rs. 2 lakh or more in the preceding 12 months.
What are the reward rates on the DBS Bank Spark10?
DBS Bank Spark10 earns 1x points on all other spends.
Does the DBS Bank Spark10 offer airport lounge access?
Yes: 4 domestic lounge visits per year (1 complimentary domestic lounge visit per quarter (4 per year) at select airports; no minimum spend condition reported by sources, but access is domestic-only.).
Who is eligible for the DBS Bank Spark10?
Applicants typically need a minimum annual income of ₹4,80,000, a CIBIL Score of 720+, a minimum age of 21, and must be salaried or self employed. Exact criteria are set by DBS Bank and can vary by application.

What you’d earn

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