DCB PayLess Select Credit Card That Pays Back On Every Swipe

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.

30 Jun 26
3 mins

Shreyansh Singh

08 Mins
30-06-26

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Table of Contents

DCB PayLess Select Credit Card Benefits
DCB PayLess Select Card Charges

Earn ₹1,000 cashback after spending ₹1,00,000 in a quarter.
The credit limit is up to 90% fixed deposit value.
Enjoy 9 airport lounge visits every calendar year.
Annual fee ₹1,000 waived after spending ₹2,00,000 yearly.
Get personal accident insurance cover of ₹10,00,000.

The DCB PayLess Select Credit Card is a RuPay-powered card that offers useful features for daily spending. Cardholders receive travel perks, protection benefits, lifestyle services, and attractive partner offers.

The card is available as a secured variant linked to a DCB Bank fixed deposit. It offers a credit limit of up to 90% of the deposit amount without requiring the provision of income proof.

Cardholders can earn ₹1,000 cashback after spending ₹1,00,000 in a quarter. The card has no joining fee but carries an annual fee of ₹1,000.

Thinking, what’s more? Keep reading to discover!

DCB PayLess Select Credit Card Benefits

Cardholders receive a 1% fuel surcharge waiver on transactions up to ₹5,000, with a limit of ₹100 per statement cycle. The card also supports UPI payments for flexible usage.

Here are the other DCB PayLess Select Credit Card features that make it a practical choice:

Lounge Access: The DCB PayLess Select Credit Card lounge access offers 9 visits each year, which includes 1 international visit annually and 2 domestic visits every quarter.
Personal Accident Insurance: Cardholders receive complimentary personal accident insurance cover of ₹10,00,000.
Enhanced Security: The card includes EMV chip security for safer transactions. Cardholders can enable or block payment features with ease.
Shopping and Lifestyle Offers: Exclusive dining, shopping, and entertainment offers appear from time to time across partner brands through RuPay.
Concierge Services: Services include gift delivery, flower delivery, restaurant booking, car rental referral, golf reservation, or movie ticket booking.

DCB PayLess Select Card Charges

Though the DCB PayLess Select Card carries an annual fee, it can be waived when cardholders spend ₹2,00,000 in the previous calendar year.

The table below outlines the schedule of charges applicable to this credit card:

Parameters	Charges
Finance Charges	3% monthly or 36% annually
Cash Withdrawal Charges	2.5% or ₹250, whichever is higher
Reissue or Replacement Charges	₹250
Statement Request Fee	NIL for e-statement.₹50 per page for a physical statement.
Late Payment Fees	NIL for balance less than or equal to ₹100.₹100 for balance greater than ₹100 or less than or equal to ₹1,000.₹500 for a balance greater than ₹1,000

💡Do not let late payment charges add up and affect your monthly budget. Install the secure and GST-compliant Pice app on your smartphone to receive bill reminders, pay credit card dues easily, and track payment status from one platform.

Footnotes

For concierge assistance or service requests, contact the support helpline at 1800-26-78729.
Foreign currency transactions attract a cross-currency markup of 3.5% of the transaction value.
Card closure attracts a ₹250 fee if the card is closed within 1 year.

FAQs

What are the fixed deposit requirements for this card?

The DCB PayLess Select Credit Card eligibility for a secure card requires a minimum fixed deposit of ₹1,50,000. The deposit must remain active with at least 1 year tenure.

What credit limit can cardholders receive on this card?

The minimum card limit begins at ₹13,500 with a linked deposit of ₹15,000. The maximum limit may reach ₹9,00,000 on a deposit of ₹10,00,000 or more.

Can cardholders change their credit card billing cycle?

Cardholders can change the billing cycle through the DCB mobile banking app. The change is allowed only once during the card's lifetime after clearing all dues.