DBS Bank

VISA

Spark5

DBS Bank Spark5

Entry-level cashback card from DBS Bank with Rs. 499 joining/annual fee (annual fee waived at Rs. 1.5L spend), 1% fuel surcharge waiver, and 4 domestic lounge visits yearly — for first-time rewards users.

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Last reviewed 26 July 2026

Fees

Joining fee

₹499

Annual fee

₹499

Waiver: Annual fee is waived from the following year if you spend Rs. 1.5 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

• 2,500 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); 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 for the Spark5 variant.
✓Forex markup: 3.5%
✓Rs. 99 + GST reward-redemption fee applies when converting Cash Points.
✓Cash Points do not accrue on fuel, wallet loads, jewellery, rent, EMI conversions, balance transfers, cash withdrawals, or service charges/fees.
✓5x Cash Points (up to 3,000 Cash Points) on offline transactions of more than Rs. 10,000 in a statement cycle, per BankBazaar's dedicated Spark5 terms.

Common questions

What is the annual fee on the DBS Bank Spark5?: The joining fee is ₹499. The annual fee is ₹499. Annual fee is waived from the following year if you spend Rs. 1.5 lakh or more in the preceding 12 months.
What are the reward rates on the DBS Bank Spark5?: DBS Bank Spark5 earns 1x points on all other spends.
Does the DBS Bank Spark5 offer airport lounge access?: Yes: 4 domestic lounge visits per year (1 complimentary domestic lounge visit per quarter (4 per year); no minimum spend condition reported by sources, but access is domestic-only.).
Who is eligible for the DBS Bank Spark5?: 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

₹495

Up to

20x points

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Annual fee

₹0

Up to

10x points

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Perks

✓Domestic lounge access: 4/yr1 complimentary domestic lounge visit per quarter (4 per year); 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 for the Spark5 variant.

✓Forex markup: 3.5%

✓Rs. 99 + GST reward-redemption fee applies when converting Cash Points.

✓Cash Points do not accrue on fuel, wallet loads, jewellery, rent, EMI conversions, balance transfers, cash withdrawals, or service charges/fees.

✓5x Cash Points (up to 3,000 Cash Points) on offline transactions of more than Rs. 10,000 in a statement cycle, per BankBazaar's dedicated Spark5 terms.

Common questions

What is the annual fee on the DBS Bank Spark5?

The joining fee is ₹499. The annual fee is ₹499. Annual fee is waived from the following year if you spend Rs. 1.5 lakh or more in the preceding 12 months.

What are the reward rates on the DBS Bank Spark5?

DBS Bank Spark5 earns 1x points on all other spends.

Does the DBS Bank Spark5 offer airport lounge access?

Yes: 4 domestic lounge visits per year (1 complimentary domestic lounge visit per quarter (4 per year); no minimum spend condition reported by sources, but access is domestic-only.).

Who is eligible for the DBS Bank Spark5?

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 Spark5

Fees

Eligibility

Rewards

Perks

Common questions

What you’d earn

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DBS Bank Spark5

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