A Complete Guide to the DCB PayLess Platinum Credit Card

Bio

Shreyansh Singh, an IIT Kanpur alumnus, has eight years of experience in the finance industry. He has spent 5 years at American Express developing mid to long-term strategies for multiple markets including US, Europe and India. Shreyansh currently leads Growth and Strategy initiatives at Pice.

26 Mar 26
3 mins

Shreyansh Singh

08 Mins
26-03-26

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Table of Contents

DCB Payless Platinum Credit Card Benefits
DCB Payless Platinum Credit Card Eligibility Criteria
Fixed Deposit Requirements for Getting DCB Payless Credit Card
DCB Payless Platinum Credit Card Charges
How to Apply for a DCB Payless Platinum Credit Card?

DCB PayLess Platinum credit card is a secured credit card with an annual fee of ₹350.
People between the ages of 18 and 75 can apply for it.
Offers up to ₹250 cashback on spends of a minimum of ₹50,000 in a quarter.
Need a minimum fixed deposit of ₹15,000.

Looking for a credit card that offers everyday benefits without high entry barriers? The DCB Payless Platinum Credit Card is a practical choice, especially for individuals opting for a secured card against a fixed deposit.

With perks like cashback on quarterly spends, complimentary lounge access and personal accident insurance coverage, it balances affordability with value. Read on to explore its benefits in detail.

DCB Payless Platinum Credit Card Benefits

Get ₹250 cashback on spends of ₹50,000 in a quarter.
Get 4 domestic lounge access every calendar year (1 per quarter).
Avail a personal accident insurance worth ₹2,00,000.

DCB Payless Platinum Credit Card Eligibility Criteria

Individuals aged between 18 and 75 years can apply.
Applicants should be residents of India with self-mode operation bank accounts.
Individuals have to submit their PAN card details, mobile number and updated email ID for KYC.

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Fixed Deposit Requirements for Getting DCB Payless Credit Card

A minimum DCB fixed deposit amount of ₹15,000 is required.
Minimum tenure of fixed deposit must be at least 1 year.
Fixed deposit account details should be updated with DCB Bank.
The fixed deposit should be active without any lien or freeze status.

Note: DCB Tax-Saver deposit, minor and joint fixed deposit accounts are ineligible.

DCB Payless Platinum Credit Card Charges

Parameters	Fees and Charges
Joining Fee	NIL
Annual Fee	₹350
Finance Charge	36% per annum (3% per month)
Domestic ATM Cash Withdrawal Fee	2.5% of the transaction value or ₹250 (whichever is higher)
Replacement of Damaged Card	₹250
Reissue of Lost or Stolen Card	₹250
Foreign Currency Transactions	3.5% of the transaction value

How to Apply for a DCB Payless Platinum Credit Card?

You can easily apply for the DCB Payless Platinum credit card through their mobile application. Here are the steps to follow:

On the homepage, click on the 'credit card' option to begin your application.
Select ‘DCB Payless Platinum’ credit card.
Select the name that you would like to be embossed on the card. Also, provide nominee details.
Review and confirm the delivery of your credit card by entering your address.
Your card will reach you within 5-7 working days.

💡Managing a credit card effectively is just as important as choosing the right one. With the Pice App, you can simplify your financial tasks by managing due credit card bill payments more smartly. So, what are you waiting for? Download the app today!

Footnote

Annual Fee is waived off upon spending of ₹50,000 in the previous calendar year.

FAQs

Is GST applicable to the DCB PayLess Credit Card?

GST is applicable to all charges related to credit cards as per the regulations of the Government of India. Presently, it is levied at 18%.

Can I change my billing cycle?

You can change your credit card billing cycle through the DCB Mobile Banking app. As per the bank’s policy, the billing cycle can be changed only once during the lifetime of the card. You can request this change only after clearing all outstanding dues. The bank provides 4 billing cycle options: 1st, 7th, 14th and 21st of every month.