Research coverage — 13/16 categories
DBS Bank
DBS Spark20 Credit Card
Best forUtilities & Groceries
Earns20 Cash Points/₹100 on utilities
1st Year / Joining Fee
₹1,499 + taxes
Renewal Fee
Not recorded
Fee waiver
₹2,50,000
annual spend
Network
Not recorded
DBS Bank
DBS Spark20 Credit Card
Why this card may suit you
Based on the card's verified terms.
- Best suited to spending on utilities and groceries, where it earns 20 Cash Points/₹100
- Annual fee is waived at ₹2,50,000 yearly spend
How you earn
Reward rates at a glance — exactly as recorded for this card.
Utilities20 Cash Points/₹100
Groceries20 Cash Points/₹100
Dining20 Cash Points/₹100
Food Delivery10 Cash Points/₹100
Shopping10 Cash Points/₹100
All 16 reward categories · 13 of 16 categories verified
| Category | Rate | Cap | Condition |
|---|---|---|---|
| Rent | No reward | — | —Details
|
| Education | No reward | — | —Details
|
| Insurance | — | — | Research pendingDetails
|
| Utilities | 20 Cash Points/₹100 | 7,000 CP per month | DBS Spark20 Credit Card earns accelerated Cash Points on UtilitiesDetails
|
| Fuel | No reward | — | —Details
|
| Groceries | 20 Cash Points/₹100 | 7,000 CP per month | Verified reward earn schedule on GroceriesDetails
|
| Dining | 20 Cash Points/₹100 | 7,000 CP per month | Verified reward earn schedule on DiningDetails
|
| Food Delivery | 10 Cash Points/₹100 | 7,000 CP per month | Verified reward earn schedule on Food DeliveryDetails
|
| Shopping | 10 Cash Points/₹100 | 7,000 CP per month | Verified reward earn schedule on ShoppingDetails
|
| Travel | 10 Cash Points/₹100 | 7,000 CP per month | Verified reward earn schedule on TravelDetails
|
| Government | No reward | — | —Details
|
| Wallet | No reward | — | —Details
|
| Railways | — | — | Research pendingDetails
|
| FASTag | — | — | Research pendingDetails
|
| Jewellery | No reward | — | —Details
|
| Telecom | 10 Cash Points/₹100 | 7,000 CP per month | DBS Spark20 Credit Card earns accelerated Cash Points on Telecom above monthly spend thresholdDetails
|
“—” means not established. “Research pending” is not zero: it means DhanChakshu has not finished verifying that category, so it is not counted.
Cost & caps
What it costs to hold, and where rewards stop.
1st Year / Joining Fee
₹1,499 + taxes
Renewal Fee
Not recorded
Fee waiver
₹2,50,000
annual spend
Reward caps
- Multiple — 7,000 CP / month (shared cap — Multiple)
Spending thresholds
- Spend ₹1,00,000 per quarter → 5,000 bonus Cash Points on ₹1,00,000 quarterly spend (worth ₹1,000 at ₹0.20/CP)
Key benefits
Rewards
20 Cash Points/₹100 on utilities
Lounge access
2 domestic lounges/qtr
Fuel surcharge waiver
fuel waiver 1% up to ₹250/mo
Milestone benefit
5,000 bonus Cash Points on ₹1,00,000 quarterly spend (worth ₹1,000 at ₹0.20/CP)
Fee waiver
Annual fee waived on ₹2,50,000 annual spend
Important to know
Limits and exclusions that change what you earn.
- Multiple rewards are capped at 7,000 CP / month (shared cap — Multiple)
- No reward on: Rent, Education, Fuel, Government +2 more
- Spend ₹1,00,000 per quarter → 5,000 bonus Cash Points on ₹1,00,000 quarterly spend (worth ₹1,000 at ₹0.20/CP)
- Research pending: Insurance, Railways, FASTag — not counted
Who should consider this card
✓ Good fit if
- Your spending is concentrated in utilities, groceries, dining
- You can reach the ₹2,50,000 annual spend that waives the fee
△ Less useful if
- Much of your spending is in rent, education, fuel, which earn nothing
- You cannot reach the fee-waiver spend and would pay the annual fee
Full details
Everything else, expanded on demand.
Caps & exclusions · 1 caps · 6 no-reward categories
Caps
- Multiple — 7,000 CP / month (shared cap — Multiple)
Categories with no reward or not eligible
- Rent — No reward.
- Education — No reward.
- Fuel — No reward.
- Government — No reward.
- Wallet — No reward.
- Jewellery — No reward.
Milestones · 1 recorded
- Spend ₹1,00,000 per quarter → benefit worth ₹1,000 — 5,000 bonus Cash Points on ₹1,00,000 quarterly spend (worth ₹1,000 at ₹0.20/CP).
Eligibility
Subject to DBS Bank's underwriting and eligibility criteria. See the issuer's terms for current requirements.
Specifications
- Payment network: Not recorded
- Airport lounge: 2 domestic lounges/qtr
- Fuel surcharge waiver: fuel waiver 1% up to ₹250/mo
- Foreign-currency markup: Not recorded by DhanChakshu — check the issuer terms
What DhanChakshu couldn't fully verify · 5 areas
5 areas need further verification. None of these are counted as zero.
- • Insurance — research pending
- • Railways — research pending
- • FASTag — research pending
- • Foreign-currency markup — not recorded; check the issuer terms
- • Payment network — not recorded
Sources & verification
Verification & sources · last checked 2026-09-27
Verification coverage: 13 of 16 categories verified · 3 still being verified
Card record last checked: 2026-09-27
Documents used
DBS-SRC-003 · DBS-SRC-003
DBS-SRC-006 · DBS-SRC-006