YES Marquee vs YES Reserv 3x vs YES Reserv 5x

[helloworld]

Category	YES MARQUÉE	YES RESERV 3x	YES RESERV 5x
Suitable for	for online spends	for all spends	for Travel, Dining, Apparel, and Healthcare spends
JF (First Year Membership Fee)	11800 (incl. GST)	2360 (incl. GST)	2360 (incl. GST)
Joining benefits / Net Return	15,000 (+3,200)	2360 off on spends of 40k done within 30 days (+0)	2360 off on spends of 40k done within 30 days (+0)
Subscription Fee	-	4130 (incl. 3x Plan + GST)	5900 (incl. 5x Plan + GST)
Online Spends (on every 200)	36 RPs (2.7% - 4.5%) ----------------------- 4.5% if points are used for flights, hotels, Zomato, Swiggy, Chroma, Yatra. 2.7% if points are used for statement credit, Amazon pay, Flipkart.​	48 RPs (2.4% - 6%) ------------------------ 6% if points are used for flights, hotels. 2.4% if points are used for statement credit, Amazon pay, Flipkart, Zomato, Swiggy	72 RPs on 5x categories (3.6% - 9%) 24 RPs on other categories (1.2% - 6%) ------------------------ 9% if points are used for flights, hotels. 3.6% if points are used for statement credit, Amazon pay, Flipkart, Zomato, Swiggy
Offline Spends (on every 200)	18 RPs (1.35% - 2.25%) -------------------------- 2.25% (18 per 200) if points are used for flights, hotels, Zomato, Swiggy, Chroma, Yatra. 1.35% if points are used for statement credit, Amazon pay, Flipkart	36 RPs (1.8% - 4.5%) -------------------------- 4.5% if points are used for flights, hotels. 1.8% if points are used for statement credit, Amazon pay, Flipkart, Zomato, Swiggy	60 RPs on 5x categories (3% - 7.5%) 12 RPs on other categories (0.6% - 1.5%) ------------------------ 7.5% if points are used for flights, hotels. 3% if points are used for statement credit, Amazon pay, Flipkart, Zomato, Swiggy
Select Categories (on every 200) (utilities, insurance, govt. payments, education fee)	10 RPs (0.75% - 1.25%) --------------------------- 1.25% if points are used for flights, hotels, Zomato, Swiggy, Chroma, Yatra. 0.75% if points are used for statement credit, Amazon pay, Flipkart	18 RPs (0.9% - 2.25%) --------------------------- 2.25% if points are used for flights, hotels. 0.90% if points are used for statement credit, Amazon pay, Flipkart, Zomato, Swiggy.	6 RPs on all categories (0.3% - 0.75%) ------------------------- 0.75% if points are used for flights, hotels. 0.3% if points are used for statement credit, Amazon pay, Flipkart, Zomato, Swiggy.
Reward Point Value	Swiggy/Zomato/Flight/Hotel - 0.25p Amzn/Flikart/St.Credit - 0.15p	Flight/Hotel - 0.25p Any voucher/St.Credit - 0.10p	Flight/Hotel - 0.25p Any voucher/St.Credit - 0.10p
Max. Rewards per statement cycle	1L points // apprx. 5L+ spends	36k points (base) + 75k (subscription points) // apprx. 6L spends	36k points (base) + 75k (subscription points) // apprx. 6L spends
Renewal Fee / Benefits	waived if spend 10L or 5,000 worth of reward points if fee charged (-900)	waived if spends 3L or 2,000 worth of reward points if fee charged (-360)	waived if spends 3L or 2,000 worth of reward points if fee charged (-360)
Additional Benefits
Wallet / Rent MCC	0%	0%	0%
Utility (Select category)	-1.18% if Utility >15k and no reward points for those >15k spends	-1.18% if Utility >15k and no reward points for those >15k spends	-1.18% if Utility >15k and no reward points for those >15k spends
Domestic Lounge	6 / Quarter (both primary and add-on) *35k/qtr	3 / Quarter (only primary) *35k/qtr	3 / Quarter (only primary) *35k/qtr
International Lounge	Unlimited (both primary and add-on) No spend reqd	6 / Year (only primary) No spend reqd	6 / Year (only primary) No spend reqd
Guest Visits (dom. or Intl. Lounge)	8 / Year	-	-
Bookmyshow	50% (max. 3 free per month upto 800 per ticket)	25% (max. once upto 250 per ticket)	25% (max. once upto 250 per ticket)
Foreign Currency Markup	-1.18%	-2.07%	-2.07%
On 3L spends	Online Spends = 54000 RP + 60000 RP (if joining fee paid) + 20000 RP (if renewal fee paid) = 134000 RP = 134000 RP * 0.25 = 33,500 = 33,500 - 11,800 (JF paid) -5,900 (RF paid) = 15,800 Net return = 5.27%	All Category Spends = 54000 RP + (JF waived) + (RF waived) = 54000 RP = 54000 RP * 0.25 = 13,500 = 13,500 - 4,130 (sub. fee) = 9,370 Net return = 3.12%	On Offline Travel, Dining, Apparel, and Health Care Spends = 90000 RP + (JF waived) + (RF waived) = 90000 RP = 90000 RP * 0.25 = 22,500 = 22,500 - 5,900 (sub. fee) = 16,600 Net return = 5.53%

Note: Above return values considered 1 RP = 0.25p (max. potential for these cards) on both Reserv and Marquee. Also, considered Reserv joining fee, renewal fee waived with spends and all values are with 3x/5x subscription plan.

Drsel's advice
1. Ideally Yes Marquee should be used only for online spends and the points earned should be redeemed for Zomato and Swiggy cash vouchers.

2. Ideally Yes Reserve 3x should be used only for online spends and the points earned should be redeemed only for flights (because both domestic and international hotels are always available at 25 to 35% discount on Cleartrip with various credit cards).

3. Yes Reserve 5x has the highest return of all Yes Bank cards, provided you have a lot of expenses in hospital bills, doctors fees, diagnostic tests (blood test, x-ray, CT scan, MRI etc,), medicines, travel (including online travel agents), luxury fashion brands.
Ideally Yes Reserve 5x should be used only for online spends in all the above categories, and the points earned should be redeemed only for flights (because both domestic and international hotels are always available at 25 to 35% discount on Cleartrip with various credit cards).

4. For all spends, if possible, ask the merchant to send a payment link by SMS, email or WhatsApp, so that you can pay online instead of offline to get the extra 2.25% (Marquee) or extra 1.5%.(Reserv 3x and 5x)

YES Reserv: https://www.yesbank.in/personal-banking/cards/credit-card/reserv-credit-card
YES Marquee: https://www.yesbank.in/personal-banking/yes-individual/cards/credit-cards/marquee-credit-card
Subscription Plan: https://www.yesbank.in/credit-card-services/rewards-subscription-plan
Lounge conditions: https://www.yesbank.in/pdf?name=yesbank_creditcard_tnc.pdf

Spends threshold for Annual and Joining Fee reversal will exclude Rent and Wallet Transactions

A Gentle Warning: YES Bank updates since Apr'23, expect more in your membership period (this means its unstable at this point)..

1. Rent/Wallet surcharge 0.5%
2. Rent/Wallet surcharge 0.75%
3. Rent/Wallet surcharge 1%
4. Priority pass related update (adjusted visit count)
5. Adjusted categories in subscription and limits
6. Rental and Wallet spends will not accrue any Reward Points
6. Capping of Reward Points earned on Utility Spends - Rewards to be earned upto spends of INR 15,000 per statement cycle
6. Forex Markup Fee of 1% on Dynamic Currency Conversion (DCC)* Spends
7. utility limit changed twice or thrice
8. Increased spends for lounge access (twice or thrice)
9. 1% surcharge on utility
10. Updates on 1% surcharge on utility
11. Modified select categories 4th time.

 

[tdot]

Can one change card to Reserv from Marquee or vice versa ? I’m told Marquee has higher qualifying criteria from Bank’s side . I’m torn between these 2 cards

 

[helloworld]

That's not how you compare cards. The main moot of both cards is for online spending only, so don't compare it for offline spending and special MCC spending.

The real gap that SBI CB/Yes Marquee/Yes Reserv really fills in is for the non accelerated spending (for which GV doesn't exist on Gyftr).

So only and only for online non accelerated spending, I was thinking is there still a usecase of Yes Marquee being better than SBI CB?

Btw - Mind you, 1L is already quite high just for non accelerated online spends (given that most often abused MCC are excluded already, and that's a really good step from Yes Bank as well). Most people who have high spends would be having large chunk of them on amazon etc where GVs exist already, and Yes bank cards would be way suboptimal over there.

For fx spends I agree, Marquee definitely is a very good option and outweighs SBI CB anyday. But for me, fx spends aren't a majority of my expenses each month.

Like you're having requirements here (online, amzn gv, no fx, only gyftr etc.), if people have mentioned features in table as requirement they'll pick - YES Marquee.

and if bank not providing that card, they'll compare with - YES Reserv

hence the post..

we never know whether one need card for only online or offline or special categories.. Some people have other than amzn have spend requirement, for their own preference.

you're like me not using fx but that person who read may find it useful compared to other cards.

as mentioned, if solo purpose online shopping and preferred redemption cashback then none of the cards even marketing jargon premium or super premium cards beat sbi cb, including accelarated spends.

And, note atlas card is for hotel/miles transfer and this card is for revenue booking. If we use atlas revenue booking its only 2% and also as mentioned to get 5% they have to do travel transactions (like your online only card requirement, they have travel only requirement card).

Mostly this post is in "yes cards" section, not "credit card comparison" section.

https://www.technofino.in/community/threads/please-suggest-me-my-10th-credit-card.15522/post-286612

SImilarly, if below spends is the requirement, they can not get better rewards with SBI CB and have to choose other cards.

https://www.technofino.in/community...card-huge-devaluation-alert.11788/post-321695



Some people like these cards, and hate SBI with their own reasons and some other will hate Axis even more with different reasons. Its upto them.

Anyway, for your requirement these two cardss are not good. SBI CB is the only card providing 5% cashback for online spends, cashback redemption, and amzn gift vouchers.

Btw, this post no way recommending two cards. Its just a comparison between two cards of same bank.

 

[helloworld]

Can one change card to Reserv from Marquee or vice versa ? I’m told Marquee has higher qualifying criteria from Bank’s side . I’m torn between these 2 cards

Not possiple at the moment. bank denying converting mastercard to VISA. Drop a mail, we never know when they change their settings at the backend.

 

[wncjs]

Anyway, for your requirement these two cardss are not good. SBI CB is the only card providing 5% cashback for online spends, cashback redemption, and amzn gift vouchers.

Which card offers more than 5% RP rate bro for non accelerated online spending (barring special MCC)?

You're right, I wasn't trying to generalise earlier, I was asking for my own requirement only. I wanted to understand where I can fit either Yes Marquee/Yes Reserv for what kind of subset of spends. And it seems like that subset would be non accelerated online spends only. Since for GV based spends, other cards can give far higher return. Hence the query about the same, and comparison with SBI CB card for the same reason. Yes Marquee/Yes Reserv had they been giving airmiles it'd have been a completely different thing - but they give points similar to cashback only end of the day - if anything cashback is more valuable "relatively speaking", since tomorrow they can add premium to their flight/hotel booking portal just like Smartbuy has done. Had it been airmiles, I'd have preferred for it any day over cashback, but unfortunately that's not the case with both Yes Marquee/Reserv.

Atlas is 4% RP rate, no card offers better return rate than Atlas for offline non accelerated spending as of date. It's not just a travel spending focused card. @helloworld

 

[drsel]

Category	MARQUÉE	RESERV
Renewal fee / waiver or benefits (Rent/Wallet spends excluded for fee waiver)	5,900 / waived if spend 10L or 5,000 if fee charged	2,360 / waived if spend 3L or 2,000 if fee charged
Subscription options	None	4,130 (3x on all spends) 5,900 (5x on travel, dining, fashion, healthcare)
First year fee / benefits (+/- net)	11,800 / 15,000 (+3,200)	6,490 / 2,360 (-4,130) (Considered with 40k spends JF waived and 3x subscription for below values)
Redemption	Some vouchers / flights/ hotel - 0.25p Other vouchers / Statement credit - 0.15p	flights/hotels - 0.25p Some vouchers - 0.20p Other vouchers - 0.15p Statement credit and favourite vouchers - 0.10p
Special categories (utilities, insurance, grocery, supermarket, govt. payments, education fee)	1.25% (10 per 200) (-1.18% if Utility if >15k and no rewards for that)	2.25% (18 per 200) (-1.18% if Utility if >15k and no rewards for that)
Offline Spends	2.25% (18 per 200)	4.5% (36 per 200)
Online Spends	4.5% (36 per 200)	6% (48 per 200)
Max. Rewards per statement cycle	1L points	36k points (base) + 75k (subscription points)
Wallet / Rent MCC	0%	0%
Domestic Lounge	6 / Quarter (both primary and add-on)	3 / Quarter (only primary)
International Lounge	Unlimited (both primary and add-on)	6 / Year (only primary)
Guest Visits (domestic or Intl. Lounge)	8 / Year	-
Bookmyshow	50% (max. 3 free per month upto 800 per ticket)	25% (max. once upto 250 per ticket)
Foreign Currency Markup	1.18%	2.07%
		Below calculation with 3x subscription plan
On 3L spends in first year = 1.5L spends online 1L spends special 0.5L spends offline	= 36500 RP + 60000 RP (if joining fee paid) + 20000 RP (if renewal fee paid) = 116500 RP = 116500 RP * 0.25 = 29,125 = 29,125 - 11,800 (JF paid) -5,900 (RF paid) = 11,425 Net return = 3.8%	= 54000 RP + (JF waived) + (RF waived) = 54000 RP = 54000 RP * 0.25 = 13,500 = 13,500 - 4,130 (sub. fee) = 9,370 Net return = 3.12%
On 7L spends in first year = 4L online 2L Special 1L offline	Net return = 3.57%	Net return = 4.12%

Note: Above return values considered 1 RP = 0.25p (max. potential for these cards) on both Reserv and Marquee. Also, considered Reserv joining fee, renewal fee waived with spends and all values are with 3x subscription plan.

YES Reserv: https://www.yesbank.in/personal-banking/cards/credit-card/reserv-credit-card
YES Marquee: https://www.yesbank.in/personal-banking/yes-individual/cards/credit-cards/marquee-credit-card
Subscription Plan: https://www.yesbank.in/credit-card-services/rewards-subscription-plan

Spends threshold for Annual and Joining Fee reversal will exclude Rent and Wallet Transactions

A Gentle Warning: YES Bank updates since Apr'23, expect more in your membership period..

1. Rent/Wallet surcharge 0.5%
2. Rent/Wallet surcharge 0.75%
3. Rent/Wallet surcharge 1%
4. Priority pass related update (adjusted visit count)
5. Adjusted categories in subscription and limits
6. Rental and Wallet spends will not accrue any Reward Points
6. Capping of Reward Points earned on Utility Spends - Rewards to be earned upto spends of INR 15,000 per statement cycle
6. Forex Markup Fee of 1% on Dynamic Currency Conversion (DCC)* Spends
7. utility limit changed twice or thrice
8. Increased spends for lounge access (twice or thrice)
9. 1% surcharge on utility
10. Updates on 1% surcharge on utility
11. Modified select categories 4th time.

Excellent comparison, really professionally done!
So does Reserv 3x still give 2.25% return on income tax and property tax?
is this the highest in the market?

 

[drsel]

Category	MARQUÉE	RESERV
Renewal fee / waiver or benefits (Rent/Wallet spends excluded for fee waiver)	5,900 / waived if spend 10L or 5,000 if fee charged	2,360 / waived if spend 3L or 2,000 if fee charged
Subscription options	None	4,130 (3x on all spends) 5,900 (5x on travel, dining, fashion, healthcare)
First year fee / benefits (+/- net)	11,800 / 15,000 (+3,200)	6,490 / 2,360 (-4,130) (Considered with 40k spends JF waived and 3x subscription for below values)
Redemption	Some vouchers / flights/ hotel - 0.25p Other vouchers / Statement credit - 0.15p	flights/hotels - 0.25p Some vouchers - 0.20p Other vouchers - 0.15p Statement credit and favourite vouchers - 0.10p
Special categories (utilities, insurance, grocery, supermarket, govt. payments, education fee)	1.25% (10 per 200) (-1.18% if Utility if >15k and no rewards for that)	2.25% (18 per 200) (-1.18% if Utility if >15k and no rewards for that)
Offline Spends	2.25% (18 per 200)	4.5% (36 per 200)
Online Spends	4.5% (36 per 200)	6% (48 per 200)
Max. Rewards per statement cycle	1L points	36k points (base) + 75k (subscription points)
Wallet / Rent MCC	0%	0%
Domestic Lounge	6 / Quarter (both primary and add-on)	3 / Quarter (only primary)
International Lounge	Unlimited (both primary and add-on)	6 / Year (only primary)
Guest Visits (domestic or Intl. Lounge)	8 / Year	-
Bookmyshow	50% (max. 3 free per month upto 800 per ticket)	25% (max. once upto 250 per ticket)
Foreign Currency Markup	1.18%	2.07%
		Below calculation with 3x subscription plan
On 3L spends in first year = 1.5L spends online 1L spends special 0.5L spends offline	= 36500 RP + 60000 RP (if joining fee paid) + 20000 RP (if renewal fee paid) = 116500 RP = 116500 RP * 0.25 = 29,125 = 29,125 - 11,800 (JF paid) -5,900 (RF paid) = 11,425 Net return = 3.8%	= 54000 RP + (JF waived) + (RF waived) = 54000 RP = 54000 RP * 0.25 = 13,500 = 13,500 - 4,130 (sub. fee) = 9,370 Net return = 3.12%
On 7L spends in first year = 4L online 2L Special 1L offline	Net return = 3.57%	Net return = 4.12%

Note: Above return values considered 1 RP = 0.25p (max. potential for these cards) on both Reserv and Marquee. Also, considered Reserv joining fee, renewal fee waived with spends and all values are with 3x subscription plan.

YES Reserv: https://www.yesbank.in/personal-banking/cards/credit-card/reserv-credit-card
YES Marquee: https://www.yesbank.in/personal-banking/yes-individual/cards/credit-cards/marquee-credit-card
Subscription Plan: https://www.yesbank.in/credit-card-services/rewards-subscription-plan

Spends threshold for Annual and Joining Fee reversal will exclude Rent and Wallet Transactions

A Gentle Warning: YES Bank updates since Apr'23, expect more in your membership period..

1. Rent/Wallet surcharge 0.5%
2. Rent/Wallet surcharge 0.75%
3. Rent/Wallet surcharge 1%
4. Priority pass related update (adjusted visit count)
5. Adjusted categories in subscription and limits
6. Rental and Wallet spends will not accrue any Reward Points
6. Capping of Reward Points earned on Utility Spends - Rewards to be earned upto spends of INR 15,000 per statement cycle
6. Forex Markup Fee of 1% on Dynamic Currency Conversion (DCC)* Spends
7. utility limit changed twice or thrice
8. Increased spends for lounge access (twice or thrice)
9. 1% surcharge on utility
10. Updates on 1% surcharge on utility
11. Modified select categories 4th time.

This is a fabulous comparison!
I have Yes FIRST BUSINESS card LTF , which cannot be converted to ether MARQUEE or RESERVE and because I have this card I cannot even apply for Marquee or Reserve, because only one card is allowed per person.

so I need to close this First Business LTF card and then wait 6 months and then apply for the Marquee or Reserve.
Is there any better solution?

 

[sourpai]

Yes Reserv with subscription is like a Paid card with joining and renewal fees without any joining and renewal benefits.

Would anyone of you have taken this card (for that matter any card!!) if it came with Joining and renewal fees upfront without benefits? Think about it.

All calculations of 3L spend and 7L spend etc look good in theory. What happens if things get devalued suddenly?

In this context, I feel Marquee is far better card than Reserve irrespective of all calculations

P.S: Great effort by helloworld in putting together this comparison

 

[drsel]

Pioneer SSV has already confirmed that Marquee is a much better card

 

[wncjs]

Yes Reserv with subscription is like a Paid card with joining and renewal fees without any joining and renewal benefits.

Would anyone of you have taken this card (for that matter any card!!) if it came with Joining and renewal fees upfront without benefits? Think about it.

All calculations of 3L spend and 7L spend etc look good in theory. What happens if things get devalued suddenly?

In this context, I feel Marquee is far better card than Reserve irrespective of all calculations

P.S: Great effort by helloworld in putting together this comparison

But you can't predict things like devaluation with banks right? They already have more than sufficient MS restrictions in place to prevent gamers, which is already good and makes it very less likely for abuse. What if they don't devalue any of them anytime soon. Another way to look at it is that, yes bank only fairly recently rebranded and changed benefits on all it's cards - that must have been after giving good thought to it right? Why will they do all this revamp, and devalue it so soon as well. I'm not saying they wouldn't, just trying to say there can be different logical perspectives, and one can't really predict for these things.

Also, The joining and renewal fee can practically be waived off easily with spends on Yes reserv. So it can easily be made to a LTF card.

So the only cost to pay for is really just the 3x plan price, which is ultimately the customer's choice. And for what it charges it does give a sizeable upside as well.

 

[helloworld]

So does Reserv 3x still give 2.25% return on income tax and property tax?
is this the highest in the market?

I'm not expert in this category but considering both of them now under 'govt. payments' and many cards day by day removing this category from earning points, not expecting to rely on any of these cards much.

Consider milestone cards (if allow these payments for consideration) but yes, seems like this is the highest AFAI can find at the moment.

This is a fabulous comparison!
I have Yes FIRST BUSINESS card LTF , which cannot be converted to ether MARQUEE or RESERVE and because I have this card I cannot even apply for Marquee or Reserve, because only one card is allowed per person.

so I need to close this First Business LTF card and then wait 6 months and then apply for the Marquee or Reserve.
Is there any better solution?

Did you drop a mail, what response you got? Might try nearby branch, they may help.

Note: As mentioned in main post, in last 6 months these cards have so many changes, so consider switching fast or better for stable version pick 'Marquee' for longer reliability.

 

[helloworld]

Not sure if you aware about it or not, this is the bank once upon a time competes with HDFC in terms of accelarated benefits through their dedicated portal called 'YES CART' before "that Scam" happened.



thats 15% rewards..


then that Scam happened, Other major bank bought something from it, then slowly bank reducing benefits, conditions etc. until last year.

Now, it try to restart again with new names and cards with more stable benefits (agreed, still finding to get that stable part, but actively working unlike last 3 years where its benefits are less than XS Fl.Kart card).

Hope they re-introduce this 'YES CART' (similar to smartbuy or grabdeals) but seeing the bank condition I'm not expecting that anytime sooner.

Note: Anyone going for these cards, be mind that at the moment these cards are very much unstable (Marquee comparatively more stable than Reserv) along with bank. So, take it as secondary or third card and ready to redeem points as soon as it sufficient for your spends.

Till last year reward points valid for 'LIFE TIME', now its only '3 YEARS' and values reducing in provided options.

 

[drsel]

I'm not expert in this category but considering both of them now under 'govt. payments' and many cards day by day removing this category from earning points, not expecting to rely on any of these cards much.

Consider milestone cards (if allow these payments for consideration) but yes, seems like this is the highest AFAI can find at the moment.



Did you drop a mail, what response you got? Might try nearby branch, they may help.

Note: As mentioned in main post, in last 6 months these cards have so many changes, so consider switching fast or better for stable version pick 'Marquee' for longer reliability.

DBS Spark 20 is giving 4% return on utility bills on spends between 20000 to 35000 (4000 to 7000 points max) every card anniversary month.
Plus extra 1% (5000 points @20p) for touching 1 lac every 3 months, which is easily reachable.
Each point is worth 20 paisa

However this card is available only to DBS bank employees and select bank account holders

 

[helloworld]

DBS Spark 20 is giving 4% return on utility bills on spends between 20000 to 35000 (4000 to 7000 points max) every card anniversary month.
Plus extra 1% (5000 points @20p) for touching 1 lac every 3 months, which is easily reachable.
Each point is worth 20 paisa

However this card is available only to DBS bank employees and select bank account holders

works for tax payments, property tax?

 

[drsel]

Can one change card to Reserv from Marquee or vice versa ? I’m told Marquee has higher qualifying criteria from Bank’s side . I’m torn between these 2 cards

Marquee is better unless you have max spends in travel & Healthcare. (More than 3 lacs/yr) Then Reserve 5x is better

 

[drsel]

works for tax payments, property tax?

4% return for utility bills, dining and grocery.
3% return for other online spends
1% return for all offline spend.
1% bonus for touching 1 lakh every 3 months

DBS Spark Credit Card - Rewards and Apply Now

Discover the various features of the DBS Spark Credit Cards, including complimentary lounge access, milestone rewards, and more.

cardinsider.com

 

[wncjs]

4% return for utility bills, dining and grocery.
3% return for other online spends
1% return for all offline spend.
1% bonus for touching 1 lakh every 3 months

DBS Spark Credit Card - Rewards and Apply Now

Discover the various features of the DBS Spark Credit Cards, including complimentary lounge access, milestone rewards, and more.

cardinsider.com

Hey how to apply for this card? @drsel Is opening bank account with DBS mandatory to get this card, or can it be gotten without having DBS bank account as well? If no, does a basic account work for DBS to get this card, or any higher variant HNI account needed with DBS to be eligible with Spark20 card? Would appreciate your insights for the same! @drsel @helloworld

 

[drsel]

Hey how to apply for this card? @drsel Is opening bank account with DBS mandatory to get this card, or can it be gotten without having DBS bank account as well? If no, does a basic account work for DBS to get this card, or any higher variant HNI account needed with DBS to be eligible with Spark20 card? Would appreciate your insights for the same! @drsel @helloworld

Phone DBS customer care and find out and let us all know.

 

[helloworld]

Hey how to apply for this card? Is opening bank account with DBS mandatory to get this card, or can it be gotten without having DBS bank account as well?

looks like you can apply without bank account but these are fee cards.

DBS Spark Credit Card: Unlock Exclusive Offers, Benefits & Rewards

DBS Spark Credit Card: Explore a world of premium benefits, including 0% forex markups, luxury hotel memberships, savings on duty-free shopping, & unlimited airport lounge access.

www.dbs.com

 

[drsel]

looks like you can apply without bank account but these are fee cards.

DBS Spark Credit Card: Unlock Exclusive Offers, Benefits & Rewards

DBS Spark Credit Card: Explore a world of premium benefits, including 0% forex markups, luxury hotel memberships, savings on duty-free shopping, & unlimited airport lounge access.

www.dbs.com

No, the first page asks for the last six digits of your DBS debit card

 

[Harry1]

@helloworld R u able to see unbilled transactions in netbanking/iris today? Giving some error after logging in.