DBS Spark5 LTF Credit Card

Welcome Bonus

Cardholder(s) shall be eligible to earn Cash Points as welcome benefit* as per the card variant held by the customer. These points shall be credited to card account in the subsequent statement.

For the Credit Card, Cash Points will be awarded in the customer’s credit card account under the reward points scheme.

*Welcome benefit will be applicable to customer making first purchase transaction within 30 days of card set up, and payment of joining fee. Welcome benefit will be applicable on fee-based cards only. Welcome benefit is applicable once per card. Spends are calculated basis the transaction date captured on credit card account. Transaction date captured on credit card account is basis the transaction date submitted by the Merchant Establishment/Card Association (i.e. Visa, Mastercard, RuPay, etc.). DBS Bank will not be held responsible if Merchant Establishment submits the transaction date as different from the actual date when the transaction was done.

Cardholder(s) shall earn 2 Cash Points for every INR 200 spent on eligible purchases across all variants. All Cash points will be round down to calculate the final points. Points earned against purchases made on the credit card shall reflect in the cardmember's card account on settlement of the transaction to the cardmember’s card account.

The following spends shall not earn points:

1. Spends made on following categories like Fuel, Wallet Load, Jewellery, Rent, EMI transactions, balance transfer.
2. Cash Withdrawal including but not limited to such other transaction which may be considered as advance(s) to the sole discretion of DBIL.
3. Service charge or interest levied for non-payment or part payment of the amount due on the DBS Spark Credit Card.
4. Late payment charges and any other fees/charges in relation to and/or connected with the DBS Spark Credit Card.
5. Joining Fee and Renewal Fee for the DBS Spark Credit Card, if any

Cardholder(s) shall be eligible to earn accelerated Cash Points on reaching spends threshold defined basis the card variant. The spends threshold is defined for a Monthly period and shall not be carried forward in subsequent month. Spends on Rent, Wallet load, Fuel, Cash withdrawal, Jewellery purchase will be counted for reaching milestone but will not qualify to earn Cash Points. Accelerated Cash Points benefit varies basis the card benefit plan. The benefit details are as below:

1. DBS Spark5 Credit card – Cardholder (s) crossing the monthly spends threshold of Rs. 10000 qualifies to earn 5X on all eligible spends. All retail spends including Rs 10,000 will be calculated for milestone achievement calculation. An additional 8 Cash Points for every INR 200 spend will be credited to customers for all spends beyond the base rewards earned on the same transaction.

Table with illustration:

DBS Spark10 Credit card – Cardholder (s) crossing the monthly spends threshold of Rs. 15000 qualifies to earn 10X points on all eligible online spends & 5X on eligible offline spends (POS & Contactless) i.e. All retail eligible spends including Rs 15,000 will be calculated for milestone achievement calculation. An additional 26 (18 points on online spends & 8 points on offline for every INR 200 spend will be credited to customers for all spends beyond the base points earned on the same transaction.

Table with illustration:

DBS Spark20 Credit card – Cardholder (s) crossing the monthly spends threshold of Rs. 20000 qualifies to earn 20X points on Utility, Dining & Grocery spends, 15X on other online spends & 5X on all Offline spends. All eligible retail spends including Rs 20,000 will be calculated for milestone achievement. An additional 74 (38 points on Grocery, Dining, Utility spends, 28 on other online spends & 8 points on offline for every INR 200 spend will be credited to customers beyond the base points earned on the same transaction

Table with illustration

The Cash points earned will be credited to customer’s account on statement generation date. Transaction reversal pertaining to any previous statement cycle, will lead to re-calculation of milestones of that earlier cycle i.e. where the total spends in previous statement cycle(s) falls due to any reversal or refunds, Cash Points and Accelerated Cash Points awarded for said billing cycle(s) shall be reversed/clawed back basis the re-calculation. This reversal will have no bearing on the current cycle. Spends on add-on cards will be included in the monthly milestone calculations and Cash points will accrue on add-on card spends as well.

Cardholder(s) is eligible to earn Quarterly Milestone benefits as Cash Points on meeting the spends threshold on the Credit Card. Spends on Rent, Wallet load, Fuel, Cash withdrawal, Jewellery purchase will be counted for reaching milestone but will not qualify to earn Cash Points. All eligible retail spends will be calculated for milestone achievement. The Cash Points earned will be credited to customer’s account on statement generation date post completion of quarter. Quarter will be counted as calendar quarter. Transaction reversal pertaining to any previous statement cycle, will lead to re-calculation of milestones of that earlier cycle and Cash Points and Accelerated Cash Points awarded for previous statement cycle(s) shall be reversed/clawed back basis the re-calculation. This reversal will have no bearing on the current cycle. Spends on add-on card will be included in the monthly milestone calculations and point will accrue on add-on card spends as well. However, the capping on the benefits remains on account level and not on card level.

E.g. If customer has been issued Credit card in the month Feb 2023, then calendar quarter for this customer ends on 31^st Mar’23. Spends between this period will be considered while calculating the milestone spends.

Below is the table depicting the quarterly spends threshold and Cash Points capping for various Credit Card variants:

On purchase of one movie ticket on BookMyShow App and website, customer can avail discount of upto Rs. 200 on the second ticket. This benefit can be availed once in a month per DBS Spark Credit Card including Add on Card.

• Go through the regular ticketing flow for selecting the Movie of your choice
• Proceed to payments page
• Confirm your details by providing your email id & mobile number as this information will be used for confirming your transaction.
• To avail offer, check 'Unlock Offer or Apply Promocodes’.
• Click on the tab - Credit/ Debit/ Net Banking
• Click on 'Select Offer' and choose "DBS Spark Credit Card Offer" offer from the offers drop down list.
• Enter your 16-digit credit card number in the box and click on 'Check'
• Congratulations! You would have successfully availed your offer.
• You will have to pay the remaining transaction amount using the same card on which you have availed the offer. Your card number will auto populate in the box. To make the payment, enter your name on the card, expiry date and CVV card details.