DBS Spark5 vs PhonePe HDFC Bank Uno
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
DBS Spark5 Credit Card wins 3 of 8 dimensions with a CardTrail Score of 7.9/10 vs 6.8/10.
| Feature | DBS Spark5 | PhonePe HDFC Bank Uno |
|---|---|---|
| CardTrail Score | 7.9/10 | 6.8/10 |
| Annual Fee | ₹499 | ₹499 |
| Base Reward Rate | 1% | 1% |
| Max Reward Rate | 5% | 2% |
| Forex Markup | 3.5% | 3.5% |
| Domestic Lounges | 4 | 0 |
| International Lounges | 0 | 0 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa | RuPay |
When to Choose DBS Spark5
- You can meet the fee waiver condition: Spend Rs 1.5L/year
- You want higher rewards — up to 5% vs 2%
- Airport lounge access matters — 4 domestic visits
- Your primary spend is: rewards, entry-level
When to Choose PhonePe HDFC Bank Uno
- You can meet the fee waiver condition: Spend Rs 1L/year
- Your primary spend is: upi, digital-payments, entry-level
Annual Fee Value Analysis
To break even on DBS Spark5's ₹499 fee at 1% rewards, spend ₹4,158/month.
To break even on PhonePe HDFC Bank Uno's ₹499 fee at 1% rewards, spend ₹4,158/month.