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DCB PayLess Select Credit Card
DCB Bank

DCB PayLess Select Credit Card

Checked against DCB Bank's 4 documents for this card on 02 Nov 2026
COFFER Safety Stars3.5 of 5See the five checks
Interest
0.5 of 1
Foreign spends
0 of 1
Spend fees
None1 of 1
Clarity
The bank's documents answer 10 of 11 cost questions1 of 1
Fine print
No gaps found1 of 1

Rated 09 Nov 2026 after reading every document the bank publishes for this card. Not a recommendation. How we rate

Open to new applications · Earns points

First-year fee

₹0

Annual fee

₹1,000 a year.

₹1,000; waived off upon spending ₹2,00,000 in the previous calendar year (₹0 as part of limited offer)

What it gives back

₹1,000 cashback upon spending ₹1,00,000 in a quarter.

Read from 4 DCB Bank documents, last checked 8 Nov 2026.

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How it compares

Compared with the cards we have read

₹1,000 annual fee: of the 447 other open cards whose annual fee we have read, 283 state a lower one, 24 state the same and 140 state a higher one.

3.5% forex markup: of the 480 other open cards whose forex markup we have read, 162 state a lower one and 318 state the same.

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Fees

  • Annual feeRenewal fee

    ₹1,000 a year.₹1,000; waived off upon spending ₹2,00,000 in the previous calendar year (₹0 as part of limited offer)

  • Joining fee

    ₹0

  • Fee waiver rule

    Minimum spend for waiver of annual fee

Rewards

  • Reward rate

    ₹1,000 cashback upon spending ₹1,00,000 in a quarter.

Card benefits

  • Domestic lounge access

    Complimentary Lounge access: 2 Domestic per quarter at domestic airport terminals.

  • International lounge access

    Complimentary Lounge access: 1 International per annum at international airport terminals.

  • Concierge

    Complimentary personal concierge facility: Gift delivery, Flowers delivery, Restaurant referral and table reservation, Car rental, limousine referral and reservation, Golf reservation, Movie ticket booking, and more; contact 1800-26-78729

Also included

  • Fuel surcharge waiver

    1% fuel surcharge waiver up to ₹100 per statement cycle (Only for transaction upto ₹5,000)

  • Insurance benefit

    Complimentary personal accidental insurance cover of ₹10,00,000 (feature provided by RuPay)

  • Lost card liability

    DCB Payless Credit Card holders are entitled to zero lost card purchase liability; PIN based transactions such as ATM cash withdrawals are not covered.

  • Purchase to EMI conversion

    The bill cannot be divided into multiple EMI for payment of dues.

Charges

  • Forex markup

    3.5% on foreign currency transactions.3.5% of the transaction value

  • Cash advance fee

    2.5% of the transaction value or ₹250, whichever is higher (domestic ATM)

  • Interest on unpaid balance

    36% per annum or 3% per month.

  • Interest-free period

    15 to 45 days interest free credit period, subject to submission of claims by the merchant

  • Late payment fee

    NIL if outstanding balance is less than or equal to ₹100; ₹100 if greater than ₹100 and less than or equal to ₹1,000; ₹500 if greater than ₹1,000 (per month)

  • Card replacement fee

    Replacement of damaged card ₹250.

Eligibility

  • Age the primary cardholder must be

    18 to 75 years

  • Eligibility

    Resident individuals aged 18-75 years with a DCB Fixed Deposit of minimum ₹1,50,000 and a tenure of at least 1 year (no NPA/loan at the time of applying)

Points expiring? Use Expiry Rescue

How we know - 4 documents from DCB Bank, checked 8 Nov 2026

4 documents from DCB Bank, checked 8 Nov 2026.

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₹1,000 a year

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