DBS Spark 20 Credit Card vs Bajaj Finserv DBS 5X Plus SuperCard (2026)
Bajaj Finserv DBS 5X Plus SuperCard vs DBS Spark 20 Credit Card: which wins?
₹40,000ranking value a year at ₹3L a month, to DBS Spark 20 Credit Card
Skip the duel — the board, ranked → · nothing to sign up for
Same points, and neither card transfers anywhere — the redemption catalogue is the ceiling for both, so this one is decided on earn and fee, nothing else: 0.2% at ₹1,499/yr against 0.2% at ₹999/yr.
DBS Spark 20 Credit Card out-earns Bajaj Finserv DBS 5X Plus SuperCard at every spend level we model, from ₹25k to ₹5L a month.
Every metric, row by row — 10 compared
Head to head
| DBS Spark 20 Credit Card | Metric | Bajaj Finserv DBS 5X Plus SuperCard |
|---|---|---|
| #20 | Our rank | closed |
| ₹1,499/yr | Fee — joining · annual (+ GST) | ₹999/yr — wins this row |
| ₹2,50,000 spend | Fee waiver | None |
| not published | Forex markup | not published |
| not published | APR | not published |
| 0.2% | Headline earn rate | 0.2% |
| DBS Cash Points | Currency | DBS Cash Points |
| ₹0.20/pt | House value | ₹0.20/pt † |
| 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 | Welcome benefit | 4,000 Cash Points (₹800) on the first transaction within 60 days of card issuance |
| 57 of 793 — wins this row | Lounge doors opened | 0 of 793 |
† Bajaj Finserv DBS 5X Plus SuperCard: DBS caps a Cash Point at ₹0.20 and the ceiling is the floor. Cash Points redeem on dbsdelights.in against flights, hotels, shopping, dining and vouchers; they reach no airline or hotel PROGRAMME, at any ratio, so a flight redemption here is a discount on a cash fare and never an award seat.
Neither issuer publishes an income floor for these two. DBS Spark 20 Credit Card is open to a direct application; Bajaj Finserv DBS 5X Plus SuperCard is closed to new applications, and only grandfathered holders still have it. How people actually get Bajaj Finserv DBS 5X Plus SuperCard is on its card page.
Gold marks the better side of a row. House value is our ₹-per-point mark for each card's currency — the full valuation index →
The ₹ face-off at ₹1L/₹3L/₹5L a month
Ranking-value face-off
Everyday spend at each card's base rate plus a realistic ~20% at its best accelerator (less for narrow or capped boosters) — milestones, fee waivers and the redemption haircut all at our house ₹/point. That's why the biggest headline rate doesn't automatically win. This is the ranking model, the one that orders the board; each card page prints the earn-rate-only net annual value instead, which reads lower for any card with an accelerator (both models, side by side). Tune it to your own spend in the calculator.
DBS Spark 20 Credit Card out-earns Bajaj Finserv DBS 5X Plus SuperCard at every spend level we model, from ₹25k to ₹5L a month.
How the gap moves with spend — a 20-step sweep from ₹0.25L to ₹5L/month
How the gap moves with spend
DBS Spark 20 Credit Card leads at all 20 steps, but not by the same amount: ₹999 at ₹0.25L a month, ₹4,999 at ₹5L — the gap fans out with spend, widest at ₹0.5L (₹4,999).
DBS Spark 20 Credit Card draws above the line, Bajaj Finserv DBS 5X Plus SuperCard below · ₹0.25L to ₹5L a month, step by step
| Monthly spend | DBS Spark 20 Credit Card | Bajaj Finserv DBS 5X Plus SuperCard | In front |
|---|---|---|---|
| ₹0.25L | ₹3,000 | ₹2,001 | DBS Spark 20 Credit Card by ₹999 |
| ₹0.5L | ₹10,000 | ₹5,001 | DBS Spark 20 Credit Card by ₹4,999 |
| ₹0.75L | ₹13,000 | ₹8,001 | DBS Spark 20 Credit Card by ₹4,999 |
| ₹1L | ₹16,000 | ₹11,001 | DBS Spark 20 Credit Card by ₹4,999 |
| ₹1.25L | ₹19,000 | ₹14,001 | DBS Spark 20 Credit Card by ₹4,999 |
| ₹1.5L | ₹22,000 | ₹17,001 | DBS Spark 20 Credit Card by ₹4,999 |
| ₹1.75L | ₹25,000 | ₹20,001 | DBS Spark 20 Credit Card by ₹4,999 |
| ₹2L | ₹28,000 | ₹23,001 | DBS Spark 20 Credit Card by ₹4,999 |
| ₹2.25L | ₹31,000 | ₹26,001 | DBS Spark 20 Credit Card by ₹4,999 |
| ₹2.5L | ₹34,000 | ₹29,001 | DBS Spark 20 Credit Card by ₹4,999 |
| ₹2.75L | ₹37,000 | ₹32,001 | DBS Spark 20 Credit Card by ₹4,999 |
| ₹3L | ₹40,000 | ₹35,001 | DBS Spark 20 Credit Card by ₹4,999 |
| ₹3.25L | ₹43,000 | ₹38,001 | DBS Spark 20 Credit Card by ₹4,999 |
| ₹3.5L | ₹46,000 | ₹41,001 | DBS Spark 20 Credit Card by ₹4,999 |
| ₹3.75L | ₹49,000 | ₹44,001 | DBS Spark 20 Credit Card by ₹4,999 |
| ₹4L | ₹52,000 | ₹47,001 | DBS Spark 20 Credit Card by ₹4,999 |
| ₹4.25L | ₹55,000 | ₹50,001 | DBS Spark 20 Credit Card by ₹4,999 |
| ₹4.5L | ₹58,000 | ₹53,001 | DBS Spark 20 Credit Card by ₹4,999 |
| ₹4.75L | ₹61,000 | ₹56,001 | DBS Spark 20 Credit Card by ₹4,999 |
| ₹5L | ₹64,000 | ₹59,001 | DBS Spark 20 Credit Card by ₹4,999 |
Transfer reach — 0 shared live routes
Transfer reach
Both cards earn DBS Cash Points, so the partner list is identical — 0 live transfer routes each. The fight is decided on earn and fees, not reach.
Full route maps on each card page, best ₹/point routes on the optimizer →
What to watch out for — 6 points
What to watch out for
DBS Spark 20 Credit Card · 2 more →
- 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
Bajaj Finserv DBS 5X Plus SuperCard · 3 more →
- Discontinued — no new cards since 23 November 2024, and every holder is migrated to a SuperX from 1 August 2026
- The earn is identical to the ₹499 variant: the extra ₹500 buys the lounge visit and a bigger welcome, not a better rate
- 3.5% forex, the Indian norm, with no discount at any spend level
The call
For the ₹1L/month spender, DBS Spark 20 Credit Card nets ₹16,000 against ₹11,001 — a ₹4,999 gap. At ₹5L/month, DBS Spark 20 Credit Card nets ₹64,000 against ₹59,001 — a ₹4,999 gap. Lounge chasers: DBS Spark 20 Credit Card opens 57 of 793 tracked doors to Bajaj Finserv DBS 5X Plus SuperCard's 0.
Our standing verdicts: DBS Spark 20 Credit Card — Keep; Bajaj Finserv DBS 5X Plus SuperCard — Cancel. DBS Spark 20 Credit Card takes 4 of the 5 rounds we can score — that's the overall call. Your spend pattern can overrule us: run your exact numbers →
Common questions — 5 answered
Straight answers
Which is better, DBS Spark 20 Credit Card or Bajaj Finserv DBS 5X Plus SuperCard?
DBS Spark 20 Credit Card. DBS Spark 20 Credit Card takes 4 of the 5 rounds we can score. DBS Spark 20 Credit Card out-earns Bajaj Finserv DBS 5X Plus SuperCard at every spend level we model, from ₹25k to ₹5L a month.
DBS Spark 20 Credit Card or Bajaj Finserv DBS 5X Plus SuperCard — which earns more at ₹3L a month?
At ₹3L a month, DBS Spark 20 Credit Card nets ₹40,000 against ₹35,001 — a ₹4,999 gap. Those are ranking-value figures: everyday spend at the card's base rate plus a realistic slice at its best accelerator, net of the fee.
Which costs less to hold, DBS Spark 20 Credit Card or Bajaj Finserv DBS 5X Plus SuperCard?
Bajaj Finserv DBS 5X Plus SuperCard — ₹999/yr against ₹1,499/yr. DBS Spark 20 Credit Card waives its fee at ₹2,50,000 of spend; Bajaj Finserv DBS 5X Plus SuperCard at no spend level — there is no waiver.
Which gets you into more airport lounges, DBS Spark 20 Credit Card or Bajaj Finserv DBS 5X Plus SuperCard?
Lounge chasers: DBS Spark 20 Credit Card opens 57 of 793 tracked doors to Bajaj Finserv DBS 5X Plus SuperCard's 0. Visit quotas, guest charges and spend gates are per card — the lounge map carries each one.
How current is this comparison?
Both card records were last re-verified against their issuers' own documents on 2026-09-12. Every figure on this page — the ranking values, the fee rows, the lounge counts, the transfer ratios — is recomputed from those records each time the site builds, so a devaluation changes the call the day we log it.
Verified against DBS Bank India and DBS Bank India's own documents on · the ranking model, at our house ₹/point
Every document behind this page — 6 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
- official DBS SuperCard product page — the six-variant comparison grid, the quarterly lounge visit, the ₹100 fuel waiver and both closure notices
- official DBS SuperCard 5X Plus product-benefit T&C — same 5X / ₹10,000 gate and 3,000-CP monthly bonus cap as the ₹499 variant