DBS Spark20 Credit Card
DBS About This Card
The DBS Spark20 Credit Card is the top-tier Spark variant offering 20X CashPoints on monthly milestones with potential annual benefits of Rs 38,000+. With 8 domestic lounge visits and the highest quarterly bonus, it's DBS's best value card for consistent spenders averaging Rs 20K+/month.
Pros & Cons
Pros
- 20X CashPoints multiplier is the highest in Spark range
- Up to Rs 38,000+ in annual benefits on sufficient spending
- 8 domestic lounge visits/year
- Highest quarterly milestone bonus (5,000 CashPoints)
Cons
- Rs 1,499 annual fee (Rs 2.5L waiver threshold is reasonable)
- 20X reward capped at 7,000 CashPoints/month
- Requires Rs 20K/month spend to trigger bonus multiplier
- No international lounge access
Fee Details
Reward Structure
Lounge Access
Key Highlights
- 20X Bonus CashPoints on monthly spend milestone (Rs 20K), capped 7,000/month
- 5,000 Bonus CashPoints on Rs 1L quarterly spend milestone
- 8 domestic lounge visits per year
- BookMyShow Buy 1 Get 1 (capped Rs 200, once/month)
- Fuel surcharge waiver up to Rs 3,000/year
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