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DBS Spark5 LTF Credit Card

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Shivam11
DBS Spark5 credit card is now available as Lifetime Free credit card.

For DBS account holders only.

More info: https://www.dbs.com/in/credit-cards/spar...ml

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Deal Subedar Deal Subedar
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Will there ever be a time DBS offers this spark credit card to all NTB users ??

Deal Cadet Deal Cadet
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Yes surely. They're still new in the CC game. They entered by partnering with Bajaj, then they launched own card for their employees, then opened to bank customers FYF, and now as LTF.

Once they have played enough, and are confident of their CC systems, they'll open for all.

Deal Cadet Deal Cadet
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Totally worth it. 0.2% return below 10k spends, otherwise 1%. On reaching 50k spends, extra 1%.

On top of it, 1 lounge access per quarter. And BMS offer can come in handy.

Benevolent Benevolent
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@Shivam11

'totally worth it' would vary from person to person

I already have 15+ CCs, that too most of them LTF, the only reason why I would get this card would be for bank offers, that's it

0.2% returns shouldn't even be mentioned, even SBI debit card gives 0.25% reward rate

For instance, I've IDFC First Bank Wealth debit card, it gives 0.5% returns on offline spends and 0.75% on online spends till Rs. 50k in a month and on incremental spends above Rs. 50k, 2.5% is the reward rate

Also, since it's on Visa Infinite network, on BookMyShow, it gives 50% off upto Rs. 300 on 2nd movie and non-movie ticket plus 100% off upto Rs. 200 on booking F&B

Another example, I've Axis Bank Ace CC (first year fee waived off) for unconditional 1.5% cashback on offline spends

Personally, I'll consider it only if I can manage another LTF card and only for diversifying my different bank CC portfolio

Beacon Beacon
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This card is only being provided on a pre-approved basis. Those existing account holders, who receive the email for credit card application, receive the card within few minutes.

43 Comments  |  
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Deal Cadet Deal Cadet
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Got approved in 10 minutes. Maybe user specific.

Pro Deal Legend Pro Deal Legend
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do you have a bank account too?
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Deal Cadet Deal Cadet
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It asking last 6 digits of debit card?

Deal Cadet Deal Cadet
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Updated post to mention "For DBS account holders only".

Deal Newbie Deal Newbie
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Deal Newbie Deal Newbie
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Yese

Blaze Blaze
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Is zero balance account possible in DBS?

Pro Deal Legend Pro Deal Legend
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not any more
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Deal Subedar Deal Subedar
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I'm currently holding bajaj dbs card and applied for this and not eligible, can i upgrade from bajaj to this for ltf?

Critic Critic
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Most likely no.
Deal Cadet Deal Cadet
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I’m not eligible though I have a LVB which got converted to DBS account.
Savings Mentor Savings Mentor
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Wow nice offer for existing customers. @prc1990 got the offer

Deal Cadet Deal Cadet
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But not worth even being LTF. I skipped.

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Deal Newbie Deal Newbie
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😃

Benevolent Benevolent
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is this even worth it?

upon checking the benefits, I can safely say it's not worth at all unless one wants to have a DBS Bank CC for bank offers and I don't think there are much offers anyway on DBS Bank

I've a DBS Bank Savings A/C, please let me know if there's something even worth to consider it since it's LTF

Deal Cadet Deal Cadet
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Totally worth it. 0.2% return below 10k spends, otherwise 1%. On reaching 50k spends, extra 1%.

On top of it, 1 lounge access per quarter. And BMS offer can come in handy.

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Deal Subedar Deal Subedar
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Will there ever be a time DBS offers this spark credit card to all NTB users ??

Finance Mentor Finance Mentor
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But why would you want this?
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Deal Cadet Deal Cadet
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I have DBS savings account & applied, Got this message:

Application could not be processed
Your application cannot be processed as it does not meet our
eligibility criteria. We appreciate your interest and encourage
you to keep exploring our services.
Helpful Helpful
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Did you receive email from them?

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Beacon Beacon
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This card is only being provided on a pre-approved basis. Those existing account holders, who receive the email for credit card application, receive the card within few minutes.

Deal Cadet Deal Cadet
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.
Deal Cadet Deal Cadet
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5 points=1rs, overall it's not at all good credit card to consider based on rewards but for adding to existing portfolio, bms offer, no spends required for lounge access it seems to be ok as it is offering LTF, if anyone getting Spark20 as LTF, then definitely may consider.

For more terms https://www.dbs.com/in/credit-cards/spark/produ...

till last step i tried but no cibil hit, will wait till i get call from dbs and will try to bargain for higher variants, lets see.Screenshot2024-06-18-23-21-01-4540deb401b9ffe8e1df2f1cc5ba480b12
Screenshot2024-06-18-23-22-10-4440deb401b9ffe8e1df2f1cc5ba480b12

Deal Newbie Deal Newbie
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How to get this without account?

replyuser
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