DBS Spark10 vs IndusInd Bank Duo
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
DBS Spark10 Credit Card wins 4 of 8 dimensions with a CardTrail Score of 7.6/10 vs 5.7/10.
| Feature | DBS Spark10 | IndusInd Bank Duo |
|---|---|---|
| CardTrail Score | 7.6/10 | 5.7/10 |
| Annual Fee | ₹999 | Free |
| Base Reward Rate | 1% | 0.33% |
| Max Reward Rate | 5% | 1.5% |
| Forex Markup | 3.5% | 2% |
| 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
- You want higher rewards — up to 5% vs 1.5%
- Airport lounge access matters — 4 domestic visits
- Your primary spend is: rewards, cashback
When to Choose IndusInd Bank Duo
- You want a lifetime free card with zero annual cost
- You travel internationally — saves ₹1,500/year on ₹1L forex spend
- Your primary spend is: general, cashback
Forex Cost Comparison
On ₹1,00,000 annual international spending: DBS Spark10 costs ₹4,130 in forex fees vs IndusInd Bank Duo at ₹2,360. You save ₹1,770/year with IndusInd Bank Duo.
Annual Fee Value Analysis
To break even on DBS Spark10's ₹999 fee at 1% rewards, spend ₹8,325/month.
IndusInd Bank Duo is lifetime free — no break-even needed.