DBS Spark 20 Credit Card
KeepThe top Spark tier — 8 lounge visits a year and a 4% top rate on Utility/Dining/Grocery, for ₹1,499.
a year at ₹40,000 a month, after the fee
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Welcome: 7,500 Cash Points (₹1,500) OR a waiver of the ₹1,499 annual fee, on first transaction within 30 days of card setup AND payment of the joining fee — cardholder's choice
Priced on the everyday mix — 30% groceries · 10% utilities · 20% travel · 6% fuel · 34% everything else — with this card's published category rules applied. Plus milestones, minus the fee. No accelerator credit — the ranking model on /compare adds ~20% of spend at the card's best accelerator, so its ₹ for this card reads higher.
How these numbers are computed — and why the rankings show a bigger one →
Spend tiers, milestones and fee waivers included, at our house ₹/point. Portal and category multipliers can push higher — run your exact number →
Pays for itself at ₹20,000 a month
At ₹20,000 a month — ₹2,40,000 a year — on the everyday mix this card returns ₹2,400 gross (earn ₹2,400) against its ₹1,499 fee = ₹900 net — the first rung at or above ₹0. The ladder runs in ₹1,000 steps to ₹1,00,000 a month and ₹10,000 steps to ₹5,00,000; figures are rounded to the hundred, and the accelerator is never credited.
3 notes on the card itself: how it is issued · the network variants · why it ranks #29
Why #29 Eight domestic lounge visits for ₹1,499 — two a quarter, ₹187 a door — plus 4% on utilities, dining and groceries. Cross ₹20,000 in a month and every eligible rupee pays at least 5X (1%); the 20X U/D/G and 10X other-online legs stay categories, because the ladder cannot split a mix. The board still ranks the eight doors and the ₹2,50,000 waiver bar beside that floor.
The take
Spark 20 is the only tier that actually improves the lounge quota — 8 complimentary domestic visits a year (2 a quarter) against 4 on Spark 5 and Spark 10 — and it pairs that with the richest milestone grid in the family: clear ₹20,000 of monthly spend and Utility, Dining and Grocery earn 20X (4%), other online spend earns 10X (2%), and offline spend earns 5X (1%), all against the flat 0.2% base everywhere else. The three legs share one combined cap of 7,000 bonus points a month (₹1,400). A further 5,000 points (₹1,000) land at ₹1,00,000 of quarterly spend. At ₹1,499 this is DBS's most expensive Spark card and, on its own arithmetic, the best value if a reader's spend genuinely concentrates in utility, dining and grocery — miss that mix and the 20X headline becomes 10X or 5X instead. The family's shared weaknesses persist: 3.5% forex with no discount, and Cash Points redeem only through DBS Delights at ₹0.20 each with a ₹99 + GST toll per redemption.
Your renewal — keep, downgrade or cancel
Here is the fee, the spend that clears it, and everything that has moved under this card since you last decided.
Keep, downgrade or cancel
₹1,499/yr at stake · 5 spend bands
The charge ₹1,499/yr
The waiver ₹2,50,000 of spend in the year before renewal — about ₹20,833 a month — and the renewal fee is not charged.
Break-even ₹20,000 a month — ₹2,40,000 a year — is where this card's value crosses its fee.
At your spend
₹3,000 a year, net of the fee, at ₹3,00,000 of annual spend — this clears the waiver, so no fee is charged
₹10,000 a year, net of the fee, at ₹6,00,000 of annual spend — this clears the waiver, so no fee is charged
₹16,000 a year, net of the fee, at ₹12,00,000 of annual spend — this clears the waiver, so no fee is charged
₹40,000 a year, net of the fee, at ₹36,00,000 of annual spend — this clears the waiver, so no fee is charged
₹64,000 a year, net of the fee, at ₹60,00,000 of annual spend — this clears the waiver, so no fee is charged
Everyday earn plus milestones, minus the fee — the same model as the value panel above, so the two cannot disagree. run your exact spend →
Your copy of this card
You hold this card.
Kept on this device, in your browser. It is never sent to us, never synced, and nothing else on the site reads it yet.
The downgrade
DBS Bank India publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and the numbers above are the whole of it.
What has changed under this card
- 1 Aug 2026 The Bajaj Finserv DBS SuperCard is discontinued — holders reissued a SuperX or SuperX Plus issuer-wide
We price what is in force today — a change that has not happened yet is not in these numbers. the full archive for this card →
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- 8 complimentary domestic airport lounge visits a year (2/quarter) — double Spark 5 and Spark 10
- 20X Cash Points (4%) on Utility/Dining/Grocery once ₹20,000/month is crossed — the richest rate in the Spark family
- 10X (2%) on other online spend and 5X (1%) offline on the same monthly milestone; all three legs share a 7,000-point (₹1,400) monthly cap
- 5,000-point (₹1,000) quarterly milestone at ₹1,00,000 of spend
Watch out
- 3.5% forex — no discount at any spend level, on any Spark tier
- The 20X headline needs spend concentrated in Utility/Dining/Grocery specifically — other online spend earns half that, offline a quarter; the board prices the 5X floor
- Combined 20X+10X+5X bonus is capped at 7,000 Cash Points a month (₹1,400) — at the 5X floor that binds around ₹1,75,000 of eligible spend; a U/D/G-heavy month binds much earlier
- ₹1,499 is the highest fee in the Spark family; the ₹2,50,000 waiver bar is also the steepest
- Zero Cash Points on fuel, rent, wallet loads, jewellery, EMI conversions and balance transfers; ₹99 + GST per redemption
What these points actually fly
No live transfer route takes DBS Cash Points into a programme that publishes an award chart. These points buy catalogue and portal redemptions, not award seats — so this page has no flight to show you, and will not invent one.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
Does your spend count toward the fee waiver?
not published — and we say which
₹2,50,000 a year is the bar that waives the ₹1,499 fee. A different question from the one above — earning points and counting toward a threshold are separate rules, and issuers write them separately.
Not published. DBS Bank India states what the DBS Spark 20 Credit Card earns, but has not published which spend categories count toward the fee waiver — the ₹2,50,000 bar. We won't guess it from the earn table or from a sibling card: Axis published three cards' rules on one day and all three lists differed. If you hold this card and have it in writing from the issuer, send us the document and we'll source it.
Lounge access
57 of 793 tracked doors
Gate: A ₹2 swipe validates the card at entry. Caveat the reader should have — DBS's participating-lounge list still carries a programme window that ended 31 August 2025 and names DreamFolks, which left domestic aggregation weeks later; the benefit is still sold on the live product page but the room list has not been reissued
Opens 57 of 793 tracked lounge doors across 36 airports — see the full map →
Can you get it?
the route in — no cutoffs published
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Direct application — no invite list, no banking relationship required.
DBS Bank India publishes no income or age cutoffs for this card. Blank means blank — we don't invent numbers to fill a grid.
no MITC row researched for this card yet · filter the board by what you can get →
What's changed for this card
1 dated change
Devaluations and buffs that touch this card directly, its issuer, or the points and programs it earns and transfers to. Every one is dated here; the tracker carries each one's before → after and the write-up.
- 1 Aug 2026The Bajaj Finserv DBS SuperCard is discontinued — holders reissued a SuperX or SuperX PlusBajaj Finserv DBS Bank SuperCard, a co-brand with Bajaj Finance Limited sold in six variants — 5X Rewards ₹499, 5X Plus Rewards ₹999, 7X Rewards ₹1,499, 7X Plus Rewards ₹1,999, 10X Signature ₹2,999 and 10X Plus Signature ₹4,999, each joining fee matching its annual fee → Discontinued with effect from 1 August 2026. Cardholders are issued a DBS SuperX Credit Card (₹1,499 annual) or DBS SuperX Plus Credit Card (₹2,999 annual) by DBS Bank — both with the joining-fee column marked NA — with communication by email and SMS
DBS and Bajaj Finance have unwound their co-brand, and the notice is buried where almost nobody reads it — a footnote in DBS's consolidated MITC fee table, verbatim: the SuperCard 'will be discontinued with effect from 1st August 2026, and the cardholders will be issued a DBS SuperX Credit Card or DBS SuperX Plus Credit Card by DBS Bank.' Two weeks after that date, dbs.bank.in was still selling the SuperCard with a full six-variant table and an Apply CTA, which is the part a reader can actually get burnt by. What replaces it is thinner on paper: SuperX at ₹1,499 a year and SuperX Plus at ₹2,999, both with the joining-fee column marked NA, both sitting in the 3.5% forex band and the 48%-APR tier — none of the 0% Asia forex or lounge quota that Vantage and Altitude get. DBS has published no SuperX product page at all, so beyond the fee, interest and charge rows in the MITC there is nothing to read before the card lands in your hand.
Verified against DBS Bank India's own documents on · the net-annual-value engine, at our house ₹/point
Every document behind this page — 4 of them, each with the day we read it
- official DBS Spark product page — fee, welcome, milestone and lounge figures per tier
- official DBS Spark product-benefit T&C — the authoritative earn grid, confirms the 7,000-point combined cap
- official DBS Bank Lounge Access Program — the per-tier quota table and DBS's own list of participating lounges
- official DBS consolidated MITC — Spark 20 fee table, forex markup, APR tier