Product Benefits and Terms and Conditions - DBS Spark Credit Card

Product Benefits and Terms and Conditions - DBS Spark Credit Card

These Product Benefits and Terms and Conditions (the "Terms") apply to and regulate the use of ‘DBS Spark Credit Card’ (the “Credit Card”) issued by DBS Bank India Limited (“DBS Bank”).

These Product Benefits and Terms shall be read along with the Cardmember Agreement and Most Important Terms and Conditions as available on go.dbs.com/sparkmitc (collectively “Credit Card Terms and Conditions"). Product Benefits and Terms shall prevail over Cardmember Agreement to the extent of any conflict between the terms herein and the terms of the Cardmember Agreement.

By Cardholder”, we mean “Primary Cardmember”, “Member”, “Customer”, you, your, him, he, his, or similar pronouns shall mean the individual in whose name the Card has been issued and the Card Account is maintained.

Benefits and Features

The Cardholder(s) shall be entitled to avail the following benefits basis the card variant plan:

1. Joining Benefit:

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.

2. Assured Cash Points

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

3. Monthly Milestone benefit

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.

4. Quarterly Milestone

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:

5. Buy One, Get One free movie ticket

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.

HOW TO AVAIL THE OFFER

• 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.

Detailed Terms & Conditions

Maximum discount per second ticket is capped at Rs. 200 only. If the ticket amount is higher than Rs. 200 then the remaining cost will have to be borne by the customer. 

This offer is valid only for users coming directly to the BookMyShow, website/ mobile app and not via individual cinema sites /app.

Big tree entertainment Terms & Conditions

1. Buy One ticket and Get One Free up to INR 200 on DBS Spark Credit Card.
2. Minimum 2 tickets need to be booked to avail the offer.
3. The Maximum number of transactions in which discount can be availed is once for each card in a calendar month.
4. The free ticket price is capped at INR 200 for DBS Bank Credit Cards. In case the price of ticket is more than INR 200, the difference amount shall be paid by the cardholder using his DBS Bank Credit Card which is being used to avail the offer.
5. Offer is valid for Movies, Events, Concerts, Plays, Sports, Activities. Excluding BMS Stream and FnB
6. In case you have applied for the discount but the transaction doesn't go through for some reason, kindly wait for 20 minutes before trying to avail the discount again
7. The current purchase process at www.bookmyshow.com will remain unchanged till the stage where the eligible card number is provided. After this stage the website will recognize the eligible card, reduce the bill amount and inform the transacting eligible cardholders accordingly.
8. The customer will have to pay internet handling fee as levied on each ticket.
9. This offer cannot be combined with any other offer/promo code/discount on BookMyShow
10. Tickets once bought online, shall be considered sold and cannot be cancelled, refunded or exchanged.
11. Once the booking is committed, the confirmation mail/SMS received from BookMyShow needs to be exchanged with the ticket available at the theatre.
12. Cardholders shall not be entitled to compensation / benefits in any form whatsoever in lieu of the offer being availed.
13. Bigtree & DBS Bank reserves the right to disqualify any cardholder/s from the benefits of the program. If case of any fraudulent activity, prosecution will be carried according to the purpose of availing the benefits under the program.
14. Bigtree & DBS Bank reserves the right to modify/change all or any of the terms applicable to the program without assigning any reasons or without any prior intimation whatsoever.
15. Bigtree & DBS Bank also reserves the right to discontinue the program without assigning any reasons or without any prior intimation whatsoever.
16. Individual cinema rules are applicable.
17. In addition to the above, this offer on the website is also subject to BookMyShow's general Terms of Use. Kindly refer to BookMyShow's Terms & Conditions on the homepage
18. The cardholder shall be required to give personal information and card details online for the tickets purchased on bookmyshow.com. In case of any disputes, Bigtree's decision will be final.

6. Fuel Surcharge Waiver

All fuel spends made between Rs. 500 - Rs. 5000 using the card are eligible for 1% surcharge waiver. There is a monthly capping on the surcharge amount basis the card variant (refer table below). The Fuel transaction surcharge are indicative only. These surcharges are levied by the acquirer (merchant’s bank providing terminal / payment gateway) and actual surcharge might vary across different acquirers.  

Transactions made on fuel purchases will not qualify to earn Cash points.

7. Complimentary Airport Lounge Access

DBS Spark Credit Card offers complimentary access to Domestic Airport lounges round the year. Eligible Cardholders will be allowed access to all Participating Airport Lounges under the Program. Complimentary lounge access is applicable for Primary Cardholder only. No. of complimentary visits will be counted as per calendar quarter (Jan-Mar/Apr-Jun/Jul-Sep/Oct-Dec) as per below table. Any guest accompanying the Primary holder will have to pay a lounge visit fee per visit which would automatically be charged to the Primary Cardholder per visit per guest. Admittance to the lounges is conditional upon presentation of a valid Credit Card only. For full list of valid airport lounges, visit www.loungekey.com/dbscreditcards_india. 

8. Card Annual Fee

Annual fee is applicable on your card as per the table below. The charges are exclusive of applicable taxes. Annual fee will be levied at the beginning of the next membership year. Cardmember spending as per the defined threshold or above, in the previous membership year is eligible for annual fee waiver i.e. Annual fee shall not be levied if the spends criteria is met by the Cardmember in the previous year. For anniversary spends 12 -month period from the card set up date will be considered. 

9. Cash Points redemption

Points can be redeemed in the following ways: 

1. DBS Cards+ IN App; or
2. Netbanking

For details on Rewards Redemption and Terms & Conditions, please visit www.dbsdelights.in

10. Other Terms and Conditions

1. Cash Points are valid only for 2 years from the date of accrual. e.g.: - if you have received Cash Points in the month of May 2020, then the same will expire on 31st May 2022.
2. Value of 1 Cash point = Rs. 0.20
3. The definition of categories (like Fuel, Rent etc.) defined from time to time shall have the same meaning as ascribed to the categories by Card Associations (like Visa, Mastercard, RuPay, etc.) under their respective Merchant Category Codes. The Card associations have listed qualifying criteria for Merchant Establishments to qualify to be listed under a specified category. MCC Codes applicable for the above categories are listed below:

   Fuel – 5983, 5542, 5541, 5172,

   Wallet load – 6540,

   Rent – 6513

   Any further additions/deletions in the list of codes will be updated on timely basis.

4. If a Cardholder having negative Point Balance at the time of voluntary closure, then the equivalent value of such negative points will be automatically converted to statement debit and is required to be paid by the Cardholder along with any other dues. Reverse debit will be calculated at 20 paise per Card Point.
5. The Points do not constitute property of the Cardholder and are not transferable by operation of law or otherwise to any other person or entity,
6. Reward point redemption will be restricted if a Cardmember has made NIL payment beyond 5 days from payment due date.
7. Reward point balance will be forfeited if a Cardmember has made NIL payment beyond 30 days from payment due date
8. In case of transaction reversal, Cash Points credited (Normal/accelerated) will be reversed.
9. Cash points will not be adjusted against outstanding balance.
10. Cash Points earn will be restricted only up to the credit limit allocated to Cardmember. No Cash Points will be credited for overlimit usage.
11. Any purchase converted into EMI will not qualify to earn Cash Points.
12. All Credit Card features will be activated only once physical card is delivered to the Cardmember.
13. Cash Points accrual is subject to change with a 30-day prior notice.