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DBS Spark Credit Card VS Union Select RuPay 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
Union Select RuPay Credit Card
Union Select RuPay Credit Card

Fees & Charges

Joining Fee
₹499 + GST
Nil
Renewal Fee
₹499 + GST
₹499 + GST
Spend Based Waiver
Annual fee waiver on spending ₹1.5L (Spark 5), ₹2L (Spark 10), or ₹2.5L (Spark 20) annually.
Annual fee waived on spending ₹50,000 in the previous year.
Foreign Transaction Fees
A foreign currency markup of 3.5% applies to all international transactions.
3%.
Interest Rate (APR)
Monthly interest rates range from 3.5% to 4% (42% to 48% per annum).
2.95% per month (41.75% APR).

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.
Earn 4 Reward Points per ₹100 on general spends, plus cashback on utilities, mobile wallet, and IRCTC.
Reward Type
Reward Points
Reward Points & Cashback
Reward Redemption Fee
A fee of ₹99 + GST is charged for redeeming your accumulated Cash Points.
Nil.

Travel & Lifestyle

Domestic Lounge Access
Get 1-2 complimentary domestic lounge accesses per quarter, depending on your Spark variant.
4 complimentary domestic airport lounge accesses per year.
International Lounge Access
2 complimentary international airport lounge accesses per year.
Travel Benefits
Access special deals on flights, hotels, and instantly redeem Cash Points for travel bookings.
Redeem reward points for bus and air tickets.
Movie Benefits
Enjoy 'Buy 1 Get 1' offer on BookMyShow, saving up to ₹200 on the second ticket.
Reward points can be redeemed for movie tickets.
Dining Benefits
Earn up to 20X Cash Points on monthly dining spends with the DBS Spark 20 variant.
Golf Benefits
Fuel Surcharge Waiver
1% fuel surcharge waiver, capped at ₹100-₹250 monthly based on card variant.
1% waiver, capped at ₹100 per billing cycle.

Security & Other

Insurance Benefits
Covers accidental air death (₹10L), other accidental death (₹8L), and card lost protection (₹1.5L).
Cash Advance Charges
Cash advance charges are 2.5% of the amount withdrawn from the card.
3% or ₹200, whichever is higher.
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

DBS Spark Credit Card

Union Select RuPay 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 RuPay Select Credit Card, issued by Union Bank of India, is a super-premium offering designed for individuals seeking enhanced services. It provides a blend of shopping rewards, travel benefits, and comprehensive insurance coverage, along with UPI payment convenience. Ideal for users who frequently use UPI, value lounge access, and can meet the annual spend threshold for fee waiver. This card offers competitive rewards and essential insurance protection.

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.

Annual fee waiver is easily achievable with a reasonable spend of ₹50,000.

Offers a competitive reward rate on general spends, providing a 1% return.

Provides specific cashback benefits on utility bills, mobile wallet, and IRCTC transactions.

Includes complimentary access to both domestic and international airport lounges.

Features comprehensive insurance benefits, including accidental death and card lost protection.

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.

The card has a relatively high interest rate of 41.75% per annum.

A significant foreign currency markup of 3% applies to international spends.

The number of complimentary international lounge accesses is quite limited.

The RuPay Select Credit Card does not offer any explicit milestone benefits.

There are no specific golf or dedicated dining benefits mentioned for this card.

Ready to Choose?

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