DBS Spark20 vs Union Bank RuPay Select
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
Both cards score 8.2/10 — your spending pattern decides the winner.
| Feature | DBS Spark20 | Union Bank RuPay Select |
|---|---|---|
| CardTrail Score | 8.2/10 | 8.2/10 |
| Annual Fee | ₹1,499 | ₹499 |
| Base Reward Rate | 1% | 4% |
| Max Reward Rate | 20% | 4% |
| Forex Markup | 3.5% | 3.5% |
| Domestic Lounges | 8 | 2 |
| International Lounges | 0 | 2 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa | RuPay |
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 4%
- Airport lounge access matters — 8 domestic visits
- Your primary spend is: rewards, lounge
When to Choose Union Bank RuPay Select
- You can meet the fee waiver condition: Spend Rs 50K/year
- Your primary spend is: rewards, lounge-access, insurance
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 Union Bank RuPay Select's ₹499 fee at 4% rewards, spend ₹1,040/month.