DBS Spark10 vs YES Prosperity Rewards Plus
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 5.3/10.
| Feature | DBS Spark10 | YES Prosperity Rewards Plus |
|---|---|---|
| CardTrail Score | 7.6/10 | 5.3/10 |
| Annual Fee | ₹999 | ₹499 |
| Base Reward Rate | 1% | 0.5% |
| Max Reward Rate | 5% | 1% |
| Forex Markup | 3.5% | 2.75% |
| 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%
- Airport lounge access matters — 4 domestic visits
- Your primary spend is: rewards, cashback
When to Choose YES Prosperity Rewards Plus
- You can meet the fee waiver condition: Spend ₹1L/year
- You travel internationally — saves ₹750/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 YES Prosperity Rewards Plus at ₹3,245. You save ₹885/year with YES Prosperity Rewards Plus.
Annual Fee Value Analysis
To break even on DBS Spark10's ₹999 fee at 1% rewards, spend ₹8,325/month.
To break even on YES Prosperity Rewards Plus's ₹499 fee at 0.5% rewards, spend ₹8,317/month.