DBS Spark10 vs IDFC FIRST Millennia
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
DBS Spark10 Credit Card wins 3 of 8 dimensions with a CardTrail Score of 7.6/10 vs 6.6/10.
| Feature | DBS Spark10 | IDFC FIRST Millennia |
|---|---|---|
| CardTrail Score | 7.6/10 | 6.6/10 |
| Annual Fee | ₹999 | Free |
| Base Reward Rate | 1% | 0.5% |
| Max Reward Rate | 5% | 5% |
| Forex Markup | 3.5% | 3.5% |
| Domestic Lounges | 4 | 0 |
| International Lounges | 0 | 0 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa | Visa |
When to Choose DBS Spark10
- You can meet the fee waiver condition: Spend Rs 2L/year
- Airport lounge access matters — 4 domestic visits
- Your primary spend is: rewards, cashback
When to Choose IDFC FIRST Millennia
- You want a lifetime free card with zero annual cost
- Your primary spend is: rewards, cashback
Annual Fee Value Analysis
To break even on DBS Spark10's ₹999 fee at 1% rewards, spend ₹8,325/month.
IDFC FIRST Millennia is lifetime free — no break-even needed.