DBS Spark5 vs Shoppers Stop HDFC Bank
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 7.1/10.
| Feature | DBS Spark5 | Shoppers Stop HDFC Bank |
|---|---|---|
| CardTrail Score | 7.9/10 | 7.1/10 |
| Annual Fee | ₹499 | ₹299 |
| Base Reward Rate | 1% | 1% |
| Max Reward Rate | 5% | 3% |
| Forex Markup | 3.5% | 1% |
| Domestic Lounges | 4 | 0 |
| International Lounges | 0 | 0 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa | Visa |
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 3%
- Airport lounge access matters — 4 domestic visits
- Your primary spend is: rewards, entry-level
When to Choose Shoppers Stop HDFC Bank
- You travel internationally — saves ₹2,500/year on ₹1L forex spend
- Your primary spend is: shopping, entry-level
Forex Cost Comparison
On ₹1,00,000 annual international spending: DBS Spark5 costs ₹4,130 in forex fees vs Shoppers Stop HDFC Bank at ₹1,180. You save ₹2,950/year with Shoppers Stop HDFC Bank.
Annual Fee Value Analysis
To break even on DBS Spark5's ₹499 fee at 1% rewards, spend ₹4,158/month.
To break even on Shoppers Stop HDFC Bank's ₹299 fee at 1% rewards, spend ₹2,492/month.