DBS Bank

VISA

Spark20

DBS Bank Spark20

DBS Spark20 cashback card for frequent spenders: Rs. 1,499 annual fee (waived at Rs. 2.5L spend), 20X points on dining and groceries, and 8 domestic lounge visits yearly.

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Last reviewed 26 July 2026

Fees

Joining fee

₹1,499

Annual fee

₹1,499

Waiver: Annual fee is waived from the following year if you spend Rs. 2.5 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

• 7,500 Cash Points on making the first transaction within 30 days of card issuance.

Perks

✓Domestic lounge access: 8/yr2 complimentary domestic lounge visits per quarter (8 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%
✓20X Cash Points on dining, utility, and grocery spends, 10X on other eligible online spends, and 5X on eligible offline spends after crossing Rs. 20,000 in monthly spend, capped at 7,000 bonus Cash Points per month.
✓Additional 5,000 bonus Cash Points on crossing Rs. 1,00,000 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 Spark20?: The joining fee is ₹1,499. The annual fee is ₹1,499. Annual fee is waived from the following year if you spend Rs. 2.5 lakh or more in the preceding 12 months.
What are the reward rates on the DBS Bank Spark20?: DBS Bank Spark20 earns 1x points on all other spends.
Does the DBS Bank Spark20 offer airport lounge access?: Yes: 8 domestic lounge visits per year (2 complimentary domestic lounge visits per quarter (8 per year) at select airports; no minimum spend condition reported by sources, but access is domestic-only.).
Who is eligible for the DBS Bank Spark20?: 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

Enter your monthly spend in this card’s reward categories for an estimated annual value.

Everything else

₹

1x points

Estimated annual value—

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Annual fee

₹4,500

Up to

2x points

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Annual fee

₹10,000

Up to

2x points

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Annual fee

₹495

Up to

20x points

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Perks

✓Domestic lounge access: 8/yr2 complimentary domestic lounge visits per quarter (8 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%

✓20X Cash Points on dining, utility, and grocery spends, 10X on other eligible online spends, and 5X on eligible offline spends after crossing Rs. 20,000 in monthly spend, capped at 7,000 bonus Cash Points per month.

✓Additional 5,000 bonus Cash Points on crossing Rs. 1,00,000 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 Spark20?

The joining fee is ₹1,499. The annual fee is ₹1,499. Annual fee is waived from the following year if you spend Rs. 2.5 lakh or more in the preceding 12 months.

What are the reward rates on the DBS Bank Spark20?

DBS Bank Spark20 earns 1x points on all other spends.

Does the DBS Bank Spark20 offer airport lounge access?

Yes: 8 domestic lounge visits per year (2 complimentary domestic lounge visits per quarter (8 per year) at select airports; no minimum spend condition reported by sources, but access is domestic-only.).

Who is eligible for the DBS Bank Spark20?

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.

DBS Bank Spark20

Fees

Eligibility

Rewards

Perks

Common questions

What you’d earn

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DBS Bank Spark20

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Perks

Common questions

What you’d earn

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