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DBS Spark Credit Card

Apply For Lifetime Free IDFC First Credit Card
Solution
nabendu21
Received the Spark20 as LTF today .

Reason : Holding a DBS Digibank Corporate Salary Account since Dec 2021. The intention of opening Salary Account back then with DBS was getting a DBS Credit Card in my portfolio of cards . Back then they were in talks of setting up the CC Department but it took them a long time to get to this stage

Process :
As per the CC executive Spark20 is only being offered currently to employees & to pre-approved saving bank holders . You can try checking on the below link

1. Email received on 22nd Feb 2024 / 25th Feb & call received on 29th Feb for LTF (Dear DBS Customer, Exclusive Offer: Lifetime Free DBS Spark Credit Card Just for You! ) . This offer is valid till March 25 2024 . Link seems generic (...
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nabendu21 said:
Received the Spark20 as LTF today .

Reason : Holding a DBS Digibank Corporate Salary Account since Dec 2021. The intention of opening Salary Account back then with DBS was getting a DBS Credit Card in my portfolio of cards . Back then they were in talks of setting up the CC Department but it took them a long time to get to this stage

Process :
As per the CC executive Spark20 is only being offered currently to employees & to pre-approved saving bank holders . You can try checking on the below link

1. Email received on 22nd Feb 2024 / 25th Feb & call received on 29th Feb for LTF (Dear DBS Customer, Exclusive Offer: Lifetime Free DBS Spark Credit Card Just for You! ) . This offer is valid till March 25 2024 . Link seems generic ( https://dbilcreditcards.dbs.com/COSPortal/?evt=sparkcard ) so not sure if existing DBS/ LVB bank members apply it will be LTF or chargable ( does not impact CIBIL at the start page ) .

2. Application Process was simple . Everything was prepopulated from the DBS Digibank Corporate Savings Accounts and no additonal KYC was required

3. Card gets approved instantaneously as it was pre-approved . Good part is you can instantly see the card details on the DBS Card+ app but since it does not show full details you need to wait . Also 1/5th of my actual card limit was showing in the virtual account as the physical card was not received ( though I do not know what is the use of it as I cannot see the full card number & cvv / expiry details on Card+ app ) . Joining Fees/ Annual Fees as LTF

Struggles which I had to face due to change in Residential Address

1. I had applied on 22nd itself but due old residential address showing in DBS Digibank I was not proceeding further with application. Updated the address in DBS Digibank App and while it gets reflected immediately on the DBS Bank portal it does not update the Credit Card Portal

2. The customer care number is hopeless as the Spark Card is currently being served by the Bajaj Supercard team . The customer service does not even know much about the Spark Credit Card and the customer care is below average. I pity the Bajaj Supercard owners . Out of the 6 customer care executives I spoke with only 2 were really supportive and understood the situation and tried to help . 1 customer care placed a callback from the Spark Team Sales guy but he said you should wait for 1 week and the DBS Savings bank address should auto update , but I did not believe him as somehow he did not feel confident

3. On a safer side I reached out to the cardcareindia email id with the request for the Residential Address update. After 3 working days TAT and receiving no response I escalated to the Level 1 which was DBS City Level Managers / Regional Nodal Officers for my region . Instantly got a response someone from the team will contact you

4. 28th Feb 2024 ( same day evening of escalation ) got a call and made him aware of the situation . He mentioned Credit Card Portal picks up information from DBS Saving Bank and since you are preapproved the residential address cannot be changed at the Credit Card Portal . He mentioned to go ahead with the application with the old / incorrect address and once the CC application is approved they would put the dispatch of card on hold till the address update was completed which could be done only at the DBS Branches

5.29th Feb 2024 went to the DBS Main Branch in my city ( Treasures/ SME branch ) as did not want to risk any dramas at smallers branches. The lady took a while to understand that I wanted to update my Residential address for only CC but soon realized it . Asked me to fill the Customer Profile Update Form -Credit Card with the relevant KYC proof . It ask for last 4 digits of CC Number which was already available in the DBS Card+ app . Shared the stamped acknowledgement from DBS to cardcareindia

5.29th Feb 2024 evening the address change was successfully reflecting in my CC account . Card dispatched the same day

6.01st March 2024 received the card in hand from Bluedart in a small package 🙂 . The card design is similar to the OneCard except that Spark Card has plastic build . They have ridged pattern for the lines around X as seen in the card image and it feels nice to hold than the regular plastic cards

Overall : For a card connoisseur like me , it was a no brainer to get the card especially since it was LTF.
Recommend : For LTF a resounding yes. Though there are hickups I would prefer them over some of the other like AU which are devaluing their cards every now and then . Indusind Tiger till its LTF is a no brainer but I guess it will be devalued sooner or later and Bajaj is in bad books for the forceful marketing

Next Cards in my list : HSBC Premier / Slice after taking the NE SFC ( let the game begin ) a
Click to expand...
You are lucky to get Spark20 as LTF card. They offered me Spark5 only as LTF (not even Spark10) even after maintaining savings account with them since 2016. I have taken it and its a good card. They may upgrade me in due course.
 
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prankster said:
Any way to push DBS to offer spark 20 as LTF? They are offering spark 5 LTF with 500 gv
Click to expand...
Currently DBS is in no mood to give Spark 20 LTF, except if you are having salary / HNI account with them. Looks like they are not even offering it LTF for their employees 🤣.
So for now just settle with Spark5 LTF and use it for Bookmyshow B1G1 and other small discounts. Also note that they are giving airport longue access without any minimum monthly spends criteria unlike other common LTF cards.
 
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I'm also getting 500gv offer.
Still not much enticed yet since card is so useless that I won't even be able to spend 100 rupees in this card for a year.
Don't want to over-leverage and waste an enquiry for only one additional lounge access per quarter.
 
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Got spark5 LTF
Right now, its seems to be only good for swiggy instamart offer and free lounge access.
But it was nice to receive a call from the bank, with the person explaining the features of the card as well as point redemption process and also the charges for redemption.
 
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