DCB Bank Credit Card

Features of DCB Credit Cards Fees and Charges DCB Credit Card Eligibility & Documents Required How to Apply DCB Credit Card Customer Care FAQs

The DCB PayLess Credit Card offered by DCB can only be issued against a fixed deposit. It is a secured credit card that offers more savings and flexibility. Read more about the features of this card:

Best Suited For: Lifestyle

Key Highlights

Introductory Cashback- Get introductory cashback of Rs.350 on purchases of Rs.5000 on your card within the first 3 months of cards issuance.

Free Credit Period- Avail free credit period of 15-45 days on your spend and cash withdrawals.

Fuel Surcharge Waiver- Avail the benefit of zero fuel surcharge at all petrol pumps across the country up to spends of Rs.20,000 annually.

Zero Processing Fee- There is no processing fee on balance transfers from your card.

Low APR- With this credit card, you get an Annual Percentage Rate of 24.00%.

SMS Alerts & Bill Payments- Get free SMS alerts for all transactions on your card and free online utility bill payments.

Complimentary Insurance Cover- Avail personal accident (Road / Rail / Air Travel) insurance of Rs.1 lakh.

Lost Card Insurance- Get complimentary lost card insurance of Rs.2 lakh on your card.

Annual Savings of Rs.5000- Save up to Rs.5000 annually with your card. Given below is the value chart for your annual savings.

 

Benefits	Annual Savings
Interest savings (36% p.a.) on your credit card for 6 months	Rs.3000
Waiver of 2% processing fee	Rs.1000
Waiver of 2% fuel surcharge on spends of Rs.20,000	Rs.500
Complimentary Insurance Premium	Rs.500
Total Savings on your DCB PayLess Credit Card	Rs.5000

Description of Charges	Charges on DCB PayLess Credit Card
Annual Fee	Rs.350
Finance Charges	24% per annum or 2% per month
Domestic Cash Withdrawal Fee	2.5% or Rs.250 whichever is higher
Late Payment Charges	Rs.100
Over Credit Limit Charge	2.5% per month of the amount over credit limit
Reissue of lost or stolen card	Rs.150
Foreign Currency Transaction	Cross currency markup of 3.5%
Statement Request	No charge for e-statements Rs.50 per page for duplicate physical statement

DCB has set certain eligibility criteria that you need to meet in order to get your credit card. The basic criteria include your income, age credit score and more. Also,  the criteria varies according to the chosen variant and bank reserves the right to accept or reject your application on the basis of that.

Documents Required- Given below is the list of relevant documents that are required to be submitted along with your credit card application form.

Proof of Identity	PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI
Proof of Address	Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 month’s old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement
Proof of Income	Latest one or 2 salary slip (not more than 3 months old), Latest Form 16, Last 3 months’ bank statement

If you wish to apply for DCB PayLess Credit Card you can easily do so by visiting the nearest bank branch. Follow the below instructions for credit card application:

Step 1- Visit the nearest DCB branch.

Step 2- Go to the bank’s representative and ask for the credit card application form.

Step 3- Fill the form with all the relevant details.

Step 4- Submit the duly filled form along with the required documents.

Step 5- Upon submission of the form the bank will verify your application. Also, it is to be noted that the bank solely holds the right to accept or reject your application on the basis of certain eligibility norms.

Step 6- After successful verification, the bank will dispatch your card to the registered address.

For all the credit card related queries or complaints, you can contact the 24X7 available bank’s customer care. The contact details are listed below:

 

Customer Type	Contact Details
For NRIs	Call:  91 22 61271000 Email: nri@dcbank.com
India Toll Free	Call: 1800 123 5363 / 1800 209 5363 Email: nri@dcbank.com
For Resident Indians	Call: 1800 123 5363 / 1800 209 5363 Email: customercare@dcbbank.com

 

Postal Address: DCB Bank Limited,

P.O. Box No. 7643, Malad (West), Mumbai 400064, India

Can I withdraw cash from ATMs using my DCB Credit Card?

Yes, you can withdraw cash using your DCB PayLess Credit Card.

When will my credit card statement be generated?

Your DCB PayLess Credit Card statement will be generated at the end of the billing cycle and the payment will have to be made within 15-20 days of the same.

Is DCB Credit Card globally accepted?

Yes, DCB PayLess Credit Card is globally accepted.

What should I do if I lose my card or it is stolen?

If in case you lose your credit card you should immediately call on the bank’s helpline numbers and get the card blocked.