DBS Spark20 vs Tata Neu Plus HDFC Bank
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
DBS Spark20 Credit Card wins 3 of 8 dimensions with a CardTrail Score of 8.2/10 vs 8.1/10.
| Feature | DBS Spark20 | Tata Neu Plus HDFC Bank |
|---|---|---|
| CardTrail Score | 8.2/10 | 8.1/10 |
| Annual Fee | ₹1,499 | ₹499 |
| Base Reward Rate | 1% | 1% |
| Max Reward Rate | 20% | 7% |
| Forex Markup | 3.5% | 3.5% |
| Domestic Lounges | 8 | 1 |
| 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 7%
- Airport lounge access matters — 8 domestic visits
- Your primary spend is: rewards, lounge
When to Choose Tata Neu Plus HDFC Bank
- You can meet the fee waiver condition: Spend Rs. 1 Lakh in a year
- Your primary spend is: tata-ecosystem, rewards
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 Tata Neu Plus HDFC Bank's ₹499 fee at 1% rewards, spend ₹4,158/month.