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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.

Features

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
₹50 + GST
Renewal Fee
₹499 + GST
₹600 + GST
Spend Based Waiver
Annual fee waiver on spending ₹1.5L (Spark 5), ₹2L (Spark 10), or ₹2.5L (Spark 20) annually.
Monthly fee waived on spending ₹3,000 or more in the previous month.
Foreign Transaction Fees
A foreign currency markup of 3.5% applies to all international transactions.
3.5% on international transactions.
Interest Rate (APR)
Monthly interest rates range from 3.5% to 4% (42% to 48% per annum).
3.99% per month (47.88% per annum).

Rewards & Benefits

Welcome Bonus
Receive up to 7,500 Cash Points on your first transaction after card setup and fee payment.
Rewards Rate
Earn 2 Cash Points on every ₹200 spent across all DBS Spark Credit Card variants.
Up to 5x reward points on online spends; 2 RP per ₹100 online, 1 RP per ₹100 offline.
Reward Type
Reward Points
Reward Points
Reward Redemption Fee
A fee of ₹99 + GST is charged for redeeming your accumulated Cash Points.
₹99 per redemption request for RBL Monthly Treats Card.

Travel & Lifestyle

Domestic Lounge Access
Get 1-2 complimentary domestic lounge accesses per quarter, depending on your Spark variant.
International Lounge Access
Travel Benefits
Access special deals on flights, hotels, and instantly redeem Cash Points for travel bookings.
Movie Benefits
Enjoy 'Buy 1 Get 1' offer on BookMyShow, saving up to ₹200 on the second ticket.
10% off/cashback on BookMyShow transactions.
Dining Benefits
Earn up to 20X Cash Points on monthly dining spends with the DBS Spark 20 variant.
10% off/cashback on Zomato and Swiggy spends.
Golf Benefits
Fuel Surcharge Waiver
1% fuel surcharge waiver, capped at ₹100-₹250 monthly based on card variant.
1% waiver on fuel (₹500-₹4000 trans), max ₹100/month.

Security & Other

Insurance Benefits
Cash Advance Charges
Cash advance charges are 2.5% of the amount withdrawn from the card.
2.5% of withdrawal amount, min. ₹300.
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 option tailored for millennials, offering attractive rewards and cashbacks on everyday online and offline spending. It provides benefits on groceries, dining (Swiggy), movies (BookMyShow), and utility bill payments, alongside a fuel surcharge waiver. With a spend-based monthly fee waiver, this card is ideal for those seeking to maximize savings on common expenditures and begin their credit journey.

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.

Rewards structure well-suited for millennial spending habits on everyday expenses.

Significant reward points accumulation on online shopping, maximizing digital savings.

Attractive monthly milestone cashbacks on groceries, entertainment, and utility bills.

Excellent entry-level credit card for individuals embarking on their credit journey.

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.

Card incurs a monthly fee of ₹50 + GST, requiring consistent spending for waiver.

Lack of specific welcome benefits might be a drawback for new cardholders.

A redemption fee of ₹99 applies per reward point redemption request.

High foreign currency markup of 3.5% makes international spends expensive.

Relatively high interest rate of 3.99% per month on outstanding balances.

Ready to Choose?

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