DBS Spark 5 Credit Card vs Bajaj Finserv DBS 7X SuperCard (2026)
Bajaj Finserv DBS 7X SuperCard vs DBS Spark 5 Credit Card: which wins?
₹48,901ranking value a year at ₹3L a month, to Bajaj Finserv DBS 7X SuperCard
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 ₹499/yr against 0.2% at ₹1,499/yr.
DBS Spark 5 Credit Card wins under ₹0.75L/month; Bajaj Finserv DBS 7X SuperCard takes over above it.
Every metric, row by row — 10 compared
Head to head
| DBS Spark 5 Credit Card | Metric | Bajaj Finserv DBS 7X SuperCard |
|---|---|---|
| #18 | Our rank | closed |
| ₹499/yr — wins this row | Fee — joining · annual (+ GST) | ₹1,499/yr |
| ₹1,50,000 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 † |
| 2,500 Cash Points (₹500) OR a waiver of the ₹499 annual fee, on first transaction within 30 days of card setup AND payment of the joining fee — cardholder's choice | Welcome benefit | 6,000 Cash Points (₹1,200) 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 7X 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 5 Credit Card is open to a direct application; Bajaj Finserv DBS 7X SuperCard is closed to new applications, and only grandfathered holders still have it. How people actually get Bajaj Finserv DBS 7X 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 5 Credit Card wins under ₹0.75L/month; Bajaj Finserv DBS 7X SuperCard takes over above it.
Where the lead changes hands — a 20-step sweep from ₹0.25L to ₹5L/month
Where the lead changes hands
The lead changes hands at ₹0.75L a month: DBS Spark 5 Credit Card is ahead by ₹2,299 at ₹0.25L, Bajaj Finserv DBS 7X SuperCard by ₹20,501 at ₹5L.
DBS Spark 5 Credit Card draws above the line, Bajaj Finserv DBS 7X SuperCard below · ₹0.25L to ₹5L a month, step by step
| Monthly spend | DBS Spark 5 Credit Card | Bajaj Finserv DBS 7X SuperCard | In front |
|---|---|---|---|
| ₹0.25L | ₹5,000 | ₹2,701 | DBS Spark 5 Credit Card by ₹2,299 |
| ₹0.5L | ₹8,000 | ₹6,901 | DBS Spark 5 Credit Card by ₹1,099 |
| ₹0.75L | ₹11,000 | ₹11,101 | Bajaj Finserv DBS 7X SuperCard by ₹101 |
| ₹1L | ₹14,000 | ₹15,301 | Bajaj Finserv DBS 7X SuperCard by ₹1,301 |
| ₹1.25L | ₹17,000 | ₹19,501 | Bajaj Finserv DBS 7X SuperCard by ₹2,501 |
| ₹1.5L | ₹20,000 | ₹23,701 | Bajaj Finserv DBS 7X SuperCard by ₹3,701 |
| ₹1.75L | ₹23,000 | ₹27,901 | Bajaj Finserv DBS 7X SuperCard by ₹4,901 |
| ₹2L | ₹26,000 | ₹32,101 | Bajaj Finserv DBS 7X SuperCard by ₹6,101 |
| ₹2.25L | ₹29,000 | ₹36,301 | Bajaj Finserv DBS 7X SuperCard by ₹7,301 |
| ₹2.5L | ₹32,000 | ₹40,501 | Bajaj Finserv DBS 7X SuperCard by ₹8,501 |
| ₹2.75L | ₹35,000 | ₹44,701 | Bajaj Finserv DBS 7X SuperCard by ₹9,701 |
| ₹3L | ₹38,000 | ₹48,901 | Bajaj Finserv DBS 7X SuperCard by ₹10,901 |
| ₹3.25L | ₹41,000 | ₹53,101 | Bajaj Finserv DBS 7X SuperCard by ₹12,101 |
| ₹3.5L | ₹44,000 | ₹57,301 | Bajaj Finserv DBS 7X SuperCard by ₹13,301 |
| ₹3.75L | ₹47,000 | ₹61,501 | Bajaj Finserv DBS 7X SuperCard by ₹14,501 |
| ₹4L | ₹50,000 | ₹65,701 | Bajaj Finserv DBS 7X SuperCard by ₹15,701 |
| ₹4.25L | ₹53,000 | ₹69,901 | Bajaj Finserv DBS 7X SuperCard by ₹16,901 |
| ₹4.5L | ₹56,000 | ₹74,101 | Bajaj Finserv DBS 7X SuperCard by ₹18,101 |
| ₹4.75L | ₹59,000 | ₹78,301 | Bajaj Finserv DBS 7X SuperCard by ₹19,301 |
| ₹5L | ₹62,000 | ₹82,501 | Bajaj Finserv DBS 7X SuperCard by ₹20,501 |
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 5 Credit Card · 2 more →
- 3.5% forex — no discount at any spend level
- Zero Cash Points on fuel, rent, wallet loads, jewellery, EMI conversions and balance transfers
- Base rate is a flat 0.2% outside the monthly milestone — this card is only worth holding if the ₹10,000 monthly gate is realistically cleared
Bajaj Finserv DBS 7X SuperCard · 4 more →
- Discontinued — no new cards since 23 November 2024, and every holder is migrated to a SuperX from 1 August 2026
- The lounge quota does NOT improve over the ₹999 variant — one visit a quarter either way
- The 7X needs ₹15,000 of spend every month; miss it and the card pays its 0.2% base
The call
For the ₹1L/month spender, Bajaj Finserv DBS 7X SuperCard nets ₹15,301 against ₹14,000 — a ₹1,301 gap. At ₹5L/month, Bajaj Finserv DBS 7X SuperCard nets ₹82,501 against ₹62,000 — a ₹20,501 gap. Lounge chasers: DBS Spark 5 Credit Card opens 57 of 793 tracked doors to Bajaj Finserv DBS 7X SuperCard's 0.
Our standing verdicts: DBS Spark 5 Credit Card — Keep; Bajaj Finserv DBS 7X SuperCard — Cancel. Bajaj Finserv DBS 7X SuperCard takes 3 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 5 Credit Card or Bajaj Finserv DBS 7X SuperCard?
Bajaj Finserv DBS 7X SuperCard. Bajaj Finserv DBS 7X SuperCard takes 3 of the 5 rounds we can score. DBS Spark 5 Credit Card wins under ₹0.75L/month; Bajaj Finserv DBS 7X SuperCard takes over above it.
DBS Spark 5 Credit Card or Bajaj Finserv DBS 7X SuperCard — which earns more at ₹3L a month?
At ₹3L a month, Bajaj Finserv DBS 7X SuperCard nets ₹48,901 against ₹38,000 — a ₹10,901 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 5 Credit Card or Bajaj Finserv DBS 7X SuperCard?
DBS Spark 5 Credit Card — ₹499/yr against ₹1,499/yr. DBS Spark 5 Credit Card waives its fee at ₹1,50,000 of spend; Bajaj Finserv DBS 7X SuperCard at no spend level — there is no waiver.
Which gets you into more airport lounges, DBS Spark 5 Credit Card or Bajaj Finserv DBS 7X SuperCard?
Lounge chasers: DBS Spark 5 Credit Card opens 57 of 793 tracked doors to Bajaj Finserv DBS 7X 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, corrects the landing page's 'offline spends' framing
- official DBS Bank Lounge Access Program — the per-tier quota table and DBS's own list of participating lounges
- official DBS consolidated MITC — Spark 5 fee table, forex markup, APR tier
- official DBS SuperCard product page — the six-variant comparison grid, the 7X monthly gate, the quarterly lounge visit and both closure notices
- official DBS SuperCard 7X product-benefit T&C — 7X on all eligible spend once ₹15,000 is crossed, bonus capped at 6,000 CP/month