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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.
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Last updated: 3 May 2026

Both DBS Spark Credit Card and Union Select RuPay 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. Union Select RuPay Credit Card is lifetime-free and earns 4 Reward Points per ₹100 on general spends, plus cashback on utilities, mobile wallet, and IRCTC. DBS Spark Credit Card also brings get 1-2 complimentary domestic lounge accesses per quarter, depending on your Spark variant, while Union Select RuPay Credit Card counters with 4 complimentary domestic airport lounge accesses per year. If shopping spending matters more, go with DBS Spark Credit Card; if travel is the priority, Union Select RuPay Credit Card fits better.

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

Fees & Charges

Joining Fee₹499 + GST
Joining FeeFree (1st year)
Renewal Fee₹499 + GST
Renewal Fee₹499 + 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 spending ₹50,000 in the previous year.
Foreign Transaction FeesA foreign currency markup of 3.5% applies to all international transactions.
Foreign Transaction Fees3%.
Interest Rate (APR)Monthly interest rates range from 3.5% to 4% (42% to 48% per annum).
Interest Rate (APR)2.95% per month (41.75% APR).

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 4 Reward Points per ₹100 on general spends, plus cashback on utilities, mobile wallet, and IRCTC.
Reward TypeReward Points
Reward TypeReward Points, Cashback
Reward Redemption FeeA fee of ₹99 + GST is charged for redeeming your accumulated Cash Points.
Reward Redemption FeeNil.

Travel & Lifestyle

Domestic Lounge AccessGet 1-2 complimentary domestic lounge accesses per quarter, depending on your Spark variant.
Domestic Lounge Access4 complimentary domestic airport lounge accesses per year.
International Lounge Access
International Lounge Access2 complimentary international airport lounge accesses per year.
Travel BenefitsAccess special deals on flights, hotels, and instantly redeem Cash Points for travel bookings.
Travel BenefitsRedeem reward points for bus and air tickets.
Movie BenefitsEnjoy 'Buy 1 Get 1' offer on BookMyShow, saving up to ₹200 on the second ticket.
Movie BenefitsReward points can be redeemed for movie tickets.
Dining BenefitsEarn up to 20X Cash Points on monthly dining spends with the DBS Spark 20 variant.
Dining Benefits
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% fuel surcharge waiver, capped at ₹100-₹250 monthly based on card variant.
Fuel Surcharge Waiver1% waiver, capped at ₹100 per billing cycle.

Security & Other

Insurance Benefits
Insurance BenefitsCovers accidental air death (₹10L), other accidental death (₹8L), and card lost protection (₹1.5L).
Cash Advance ChargesCash advance charges are 2.5% of the amount withdrawn from the card.
Cash Advance Charges3% or ₹200, whichever is higher.
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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.

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 Union Select RuPay Credit Card(opens in new tab)