DBS Spark20 vs ICICI Coral Contactless
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
DBS Spark20 Credit Card wins 4 of 8 dimensions with a CardTrail Score of 8.2/10 vs 7.1/10.
| Feature | DBS Spark20 | ICICI Coral Contactless |
|---|---|---|
| CardTrail Score | 8.2/10 | 7.1/10 |
| Annual Fee | ₹1,499 | ₹500 |
| Base Reward Rate | 1% | 0.25% |
| Max Reward Rate | 20% | 2% |
| Forex Markup | 3.5% | 3.5% |
| Domestic Lounges | 8 | 4 |
| International Lounges | 0 | 0 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa | Visa |
When to Choose DBS Spark20
- You can meet the fee waiver condition: Spend Rs 2.5L/year
- You want higher rewards — up to 20% vs 2%
- Airport lounge access matters — 8 domestic visits
- Your primary spend is: rewards, lounge
When to Choose ICICI Coral Contactless
- You can meet the fee waiver condition: Spend ₹50K/year
- Your primary spend is: general, lounge, movies
Annual Fee Value Analysis
To break even on DBS Spark20's ₹1,499 fee at 1% rewards, spend ₹12,492/month.
To break even on ICICI Coral Contactless's ₹500 fee at 0.25% rewards, spend ₹16,667/month.