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DBS Spark Credit Card VS RBL Bank Monthly Treats 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: 18 July 2026

Both DBS Spark Credit Card and RBL Bank Monthly Treats Credit Card suit shopping-focused spenders, but they earn and cost differently. DBS Spark Credit Card costs ₹499 + GST and earns 2 Cash Points on every ₹200 spent across all DBS Spark Credit Card variants. RBL Bank Monthly Treats Credit Card costs ₹50 + GST and earns up to 5x reward points on online spends; 2 RP per ₹100 online, 1 RP per ₹100 offline. DBS Spark Credit Card also brings get 1-2 complimentary domestic lounge accesses per quarter, depending on your Spark variant. Weigh the fee against the reward rate above to see which fits your spending pattern better.

DBS Spark Credit Card
DBS Spark Credit Card
RBL Bank Monthly Treats Credit Card
RBL Bank Monthly Treats Credit Card

Fees & Charges

Joining Fee₹499 + GST
Joining Fee₹50 + GST
Renewal Fee₹499 + GST
Renewal Fee₹50 + GST
Spend Based WaiverAnnual fee waiver on spending ₹1.5L (Spark 5), ₹2L (Spark 10), or ₹2.5L (Spark 20) annually.
Spend Based WaiverMonthly membership fee of INR 50 is waived if you spend INR 3,000 or more in the previous month.
Foreign Transaction FeesA foreign currency markup of 3.5% applies to all international transactions.
Foreign Transaction Fees3.5% on the conversion amount.
Interest Rate (APR)Monthly interest rates range from 3.5% to 4% (42% to 48% per annum).
Interest Rate (APR)3.99% per month (47.88% per annum).

Rewards & Benefits

Welcome BonusReceive up to 7,500 Cash Points on your first transaction after card setup and fee payment.
Welcome Bonus
Rewards RateEarn 2 Cash Points on every ₹200 spent across all DBS Spark Credit Card variants.
Rewards RateEarn 1 Reward Point for every INR 100 spent offline, 2 Reward Points for every INR 100 spent online.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption FeeA fee of ₹99 + GST is charged for redeeming your accumulated Cash Points.
Reward Redemption FeeINR 99 + GST per redemption request.

Travel & Lifestyle

Domestic Lounge AccessGet 1-2 complimentary domestic lounge accesses per quarter, depending on your Spark variant.
Domestic Lounge Access
International Lounge Access
International Lounge Access
Travel BenefitsAccess special deals on flights, hotels, and instantly redeem Cash Points for travel bookings.
Travel Benefits10% cashback on Uber spends, capped at INR 300 per month. Redemption for air travels & hotel bookings.
Movie BenefitsEnjoy 'Buy 1 Get 1' offer on BookMyShow, saving up to ₹200 on the second ticket.
Movie Benefits10% instant discount up to INR 300 per month on BookMyShow, applicable once a month.
Dining BenefitsEarn up to 20X Cash Points on monthly dining spends with the DBS Spark 20 variant.
Dining Benefits10% cashback on Zomato spends, capped at INR 300 per month.
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% fuel surcharge waiver, capped at ₹100-₹250 monthly based on card variant.
Fuel Surcharge Waiver1% fuel surcharge waiver on transactions between INR 500 to INR 4,000, max INR 100 per month.

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% on withdrawal amount, subject to a minimum charge of INR 300.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

DBS Spark Credit Card

RBL Bank Monthly Treats 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 RBL Bank Monthly Treats Credit Card is an entry-level credit card tailored for millennials and digital-first spenders. It offers accelerated reward points on online purchases and significant cashback on popular brands like Zomato, Myntra, and Uber. Cardholders can also enjoy monthly milestone benefits on groceries, Swiggy, and BookMyShow, alongside annual vouchers for higher spending. While it provides a monthly fee waiver, it's important to note that RBL Bank is no longer accepting new applications for this card.

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.

Earn accelerated reward points on all your online purchases.

Enjoy diverse cashback opportunities on popular brands like Zomato, Myntra, and Uber.

Benefit from a monthly fee waiver by meeting an achievable spending threshold.

Unlock valuable milestone vouchers from top brands on reaching annual spend targets.

Get a convenient 1% fuel surcharge waiver on eligible transactions.

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.

Incurs a monthly membership fee, though it can be waived with spending.

A fee is charged for each reward point redemption request.

High interest rates apply if you carry over outstanding balances.

Certain merchant categories are explicitly excluded from earning card benefits.

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.
Apply for DBS Spark Credit Card(opens in new tab)Apply for RBL Bank Monthly Treats Credit Card(opens in new tab)