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Card ManagerCatalog reference — not in your portfolio
All fees, rewards, lounges, and milestones below are ready to be cloned into your portfolio with one click.
DBS Bank
entry
•••• •••• •••• 0000
Spark
VISADBS Bank • Visa• Entry
Annual Fee
₹499
Base Reward Rate
0.20%
Foreign Tx Fee
3.5%
Tier
Entry
Joining Fee
₹499
Verified
2026-06-07T08:39:39.828Z
Domestic & international access details and eligibility criteria
✓ No activation spend required — access is unconditional.
Spark5 & Spark10: 1 free domestic lounge visit per quarter (4/year). Spark20: 2 per quarter.
Estimate annual rewards based on your typical monthly spend
Annual earnings
₹1,176
Blended 0.19% effective return
Estimates use this card's best matching rule per category. Caps applied where known. Milestones not included.
Three variants: Spark5 (Rs.499 fee), Spark10 (Rs.999), Spark20 (Rs.1,499). Reward redemption via DBS Delights with Rs.99 + GST redemption fee. BOGO on movie bookings. Fee waiver thresholds vary by variant: Spark5 Rs.1.5L, Spark10 Rs.2L, Spark20 Rs.2.5L yearly. Welcome benefit 2500 Cash Points (one-time, excluded from milestones). Rental transactions charged 1%.