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DBS Spark Credit Card VS DBS Vantage Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 1 May 2026
DBS Spark Credit Card
DBS Spark Credit Card
DBS Vantage Credit Card
DBS Vantage Credit Card

Fees & Charges

Joining Fee₹499 + GST
Joining Fee₹50,000 + GST
Renewal Fee₹499 + GST
Renewal Fee₹50,000 + GST
Spend Based WaiverAnnual fee waiver on spending ₹1.5L (Spark 5), ₹2L (Spark 10), or ₹2.5L (Spark 20) annually.
Spend Based WaiverAnnual fee waived on spends of ₹10,00,000 in a year.
Foreign Transaction FeesA foreign currency markup of 3.5% applies to all international transactions.
Foreign Transaction Fees0% in Singapore, 1.75% elsewhere internationally.
Interest Rate (APR)Monthly interest rates range from 3.5% to 4% (42% to 48% per annum).
Interest Rate (APR)3.5% – 4% monthly (42% – 48% per annum).

Rewards & Benefits

Welcome BonusReceive up to 7,500 Cash Points on your first transaction after card setup and fee payment.
Welcome Bonus10,000 Vantage Points on first transaction & choice of premium hotel membership (Taj Epicure/ITC Culinaire/Club Marriott).
Rewards RateEarn 2 Cash Points on every ₹200 spent across all DBS Spark Credit Card variants.
Rewards Rate4 VP per ₹200 domestic, 8 VP per ₹200 international (excl. Singapore), 4 VP per ₹200 in Singapore.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption FeeA fee of ₹99 + GST is charged for redeeming your accumulated Cash Points.
Reward Redemption Fee₹99 + GST per redemption.

Travel & Lifestyle

Domestic Lounge AccessGet 1-2 complimentary domestic lounge accesses per quarter, depending on your Spark variant.
Domestic Lounge AccessUnlimited access to select domestic airport lounges for primary cardholders.
International Lounge Access
International Lounge AccessUnlimited access to select international airport lounges for primary cardholders.
Travel BenefitsAccess special deals on flights, hotels, and instantly redeem Cash Points for travel bookings.
Travel BenefitsUnlimited domestic/international lounge access, 0% forex in Singapore, premium hotel memberships.
Movie BenefitsEnjoy 'Buy 1 Get 1' offer on BookMyShow, saving up to ₹200 on the second ticket.
Movie Benefits
Dining BenefitsEarn up to 20X Cash Points on monthly dining spends with the DBS Spark 20 variant.
Dining Benefits
Golf Benefits
Golf Benefits4 complimentary golf sessions per calendar year for primary cardholders.
Fuel Surcharge Waiver1% fuel surcharge waiver, capped at ₹100-₹250 monthly based on card variant.
Fuel Surcharge Waiver1% fuel surcharge waiver.

Security & Other

Insurance Benefits
Insurance Benefits
Cash Advance ChargesCash advance charges are 2.5% of the amount withdrawn from the card.
Cash Advance Charges2.5% of cash amount, minimum ₹500.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

DBS Spark Credit Card

DBS Vantage Credit Card

Who is it for?

The DBS Spark Credit Card is an entry to mid-range card offering customizable benefits across three variants: Spark 5, 10, and 20. It provides assured Cash Points, milestone rewards, complimentary domestic lounge access, and BookMyShow offers. Ideal for young shopping enthusiasts seeking an affordable and rewarding credit card experience.

Who is it for?

The DBS Vantage Card is an invite-only, metal, super-premium credit card designed for high-net-worth individuals and frequent international travelers. It positions itself as a gateway to luxury, offering a range of exclusive benefits. Key differentiating features include a zero foreign currency markup on transactions in Singapore (and a low 1.75% elsewhere), unlimited access to select domestic and international airport lounges, a choice of premium hotel memberships, and unmatched milestone rewards.

Pros

Key benefits and features.

Offers three variants (Spark 5, 10, 20) for flexible choice based on budget and needs.

Includes attractive features like BOGO movie offers and complimentary domestic lounge access.

Strong rewards program with welcome bonuses, assured Cash Points, and milestone rewards.

Pros

Key benefits and features.

Zero foreign currency markup for transactions in Singapore and a competitive 1.75% for other international spends.

Unlimited domestic and international airport lounge access for the primary cardholder.

High reward rate with 1 Vantage Point equaling ₹1 upon redemption.

Valuable milestone benefits that reward high spending.

Choice of premium hotel memberships and complimentary golf sessions.

Cons

Key drawbacks and limitations.

The DBS Spark Credit Card does not provide any international lounge access benefits.

Cash Points cannot be earned on fuel, rent, wallet load, and EMI transactions.

A redemption fee of ₹99 + GST is applicable when redeeming your earned Cash Points.

Cons

Key drawbacks and limitations.

Unlimited lounge access is restricted to primary cardholder, not extended to add-ons.

High joining and annual fees may not be justifiable for moderate spenders.

No Vantage Points earned on fuel, wallet, duty-free, or rent payments.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
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