{"id":86639,"date":"2026-06-30T17:21:11","date_gmt":"2026-06-30T11:51:11","guid":{"rendered":"https:\/\/piceapp.com\/blogs\/?p=86639"},"modified":"2026-06-30T17:21:11","modified_gmt":"2026-06-30T11:51:11","slug":"dcb-payless-select-credit-card","status":"publish","type":"post","link":"https:\/\/piceapp.com\/blogs\/dcb-payless-select-credit-card\/","title":{"rendered":"DCB PayLess Select Credit Card That Pays Back On Every Swipe"},"content":{"rendered":"\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\" id=\"key-takeaways\"><strong>Key Takeaways<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Earn \u20b91,000 cashback after spending \u20b91,00,000 in a quarter.<\/li>\n\n\n\n<li>The credit limit is up to 90% fixed deposit value.<\/li>\n\n\n\n<li>Enjoy 9 airport lounge visits every calendar year.<\/li>\n\n\n\n<li>Annual fee \u20b91,000 waived after spending \u20b92,00,000 yearly.<\/li>\n\n\n\n<li>Get personal accident insurance cover of \u20b910,00,000.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>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.<\/p>\n\n\n\n<p>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.<\/p>\n\n\n\n<p>Cardholders can earn \u20b91,000 cashback after spending \u20b91,00,000 in a quarter. The card has no joining fee but carries an annual fee of \u20b91,000.<\/p>\n\n\n\n<p>Thinking, what\u2019s more? Keep reading to discover!<\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Table of Contents<\/h2><nav><ul><li><a href=\"#dcb-pay-less-select-credit-card-benefits\">DCB PayLess Select Credit Card Benefits<\/a><\/li><li><a href=\"#dcb-pay-less-select-card-charges\">DCB PayLess Select Card Charges<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"dcb-pay-less-select-credit-card-benefits\"><strong>DCB PayLess Select Credit Card Benefits<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/06\/DCB-Payless-Credit-Card-Benefits-1024x768.png\" alt=\"DCB PayLess Select Credit Card Benefits\" class=\"wp-image-86645\" title=\"\" srcset=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/06\/DCB-Payless-Credit-Card-Benefits-1024x768.png 1024w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/06\/DCB-Payless-Credit-Card-Benefits-300x225.png 300w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/06\/DCB-Payless-Credit-Card-Benefits-150x113.png 150w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/06\/DCB-Payless-Credit-Card-Benefits-768x576.png 768w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/06\/DCB-Payless-Credit-Card-Benefits.png 1448w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption><\/figcaption><\/figure>\n\n\n\n<p>Cardholders receive a 1% fuel surcharge waiver on transactions up to \u20b95,000, with a limit of \u20b9100 per statement cycle. The card also supports UPI payments for flexible usage.<\/p>\n\n\n\n<p>Here are the other DCB PayLess Select Credit Card features that make it a practical choice:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Lounge Access:<\/strong> 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.<\/li>\n\n\n\n<li><strong>Personal Accident Insurance:<\/strong> Cardholders receive complimentary personal accident insurance cover of \u20b910,00,000.<\/li>\n\n\n\n<li><strong>Enhanced Security:<\/strong> The card includes EMV chip security for safer transactions. Cardholders can enable or block payment features with ease.<\/li>\n\n\n\n<li><strong>Shopping and Lifestyle Offers:<\/strong> Exclusive dining, shopping, and entertainment offers appear from time to time across partner brands through RuPay.<\/li>\n\n\n\n<li><strong>Concierge Services:<\/strong> Services include gift delivery, flower delivery, restaurant booking, car rental referral, golf reservation, or movie ticket booking.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"dcb-pay-less-select-card-charges\"><strong>DCB PayLess Select Card Charges<\/strong><\/h2>\n\n\n\n<p>Though the DCB PayLess Select Card carries an annual fee, it can be waived when cardholders spend \u20b92,00,000 in the previous calendar year.<\/p>\n\n\n\n<p>The table below outlines the <a href=\"https:\/\/www.dcb.bank.in\/api\/dcb\/assets\/2025-09\/DCB-PayLess-Credit-Card-MITC-Multilingual.pdf\" target=\"_blank\" rel=\"noopener\">schedule of charges<\/a> applicable to this credit card:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Parameters<\/strong><\/td><td><strong>Charges<\/strong><\/td><\/tr><tr><td>Finance Charges<\/td><td>3% monthly or 36% annually<\/td><\/tr><tr><td>Cash Withdrawal Charges<\/td><td>2.5% or \u20b9250, whichever is higher<\/td><\/tr><tr><td>Reissue or Replacement Charges<\/td><td>\u20b9250<\/td><\/tr><tr><td>Statement Request Fee<\/td><td>NIL for e-statement.\u20b950 per page for a physical statement.<\/td><\/tr><tr><td>Late Payment Fees<\/td><td>NIL for balance less than or equal to \u20b9100.\u20b9100 for balance greater than \u20b9100 or less than or equal to \u20b91,000.\u20b9500 for a balance greater than \u20b91,000<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\ud83d\udca1Do not let late payment charges add up and affect your monthly budget. Install the secure and GST-compliant <a href=\"https:\/\/piceapp.com\/\">Pice app<\/a> on your smartphone to receive bill reminders, pay credit card dues easily, and track payment status from one platform.<\/p>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\" id=\"footnotes\">Footnotes<\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li>For concierge assistance or service requests, contact the support helpline at 1800-26-78729.<\/li>\n\n\n\n<li>Foreign currency transactions attract a cross-currency markup of 3.5% of the transaction value.<\/li>\n\n\n\n<li>Card closure attracts a \u20b9250 fee if the card is closed within 1 year.<\/li>\n<\/ol>\n<\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"fa-qs\">FAQs<\/h3>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1782801797755\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>What are the fixed deposit requirements for this card?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>The DCB PayLess Select Credit Card eligibility for a secure card requires a minimum fixed deposit of \u20b91,50,000. The deposit must remain active with at least 1 year tenure.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1782801814413\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>What credit limit can cardholders receive on this card?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>The minimum card limit begins at \u20b913,500 with a linked deposit of \u20b915,000. The maximum limit may reach \u20b99,00,000 on a deposit of \u20b910,00,000 or more.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1782801830379\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>Can cardholders change their credit card billing cycle?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Cardholders can change the billing cycle through the DCB mobile banking app. The change is allowed only once during the card&#8217;s lifetime after clearing all dues.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Key Takeaways 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% [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":86643,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-86639","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-card"],"_links":{"self":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/86639","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/users\/9"}],"replies":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/comments?post=86639"}],"version-history":[{"count":3,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/86639\/revisions"}],"predecessor-version":[{"id":86644,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/86639\/revisions\/86644"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media\/86643"}],"wp:attachment":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media?parent=86639"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/categories?post=86639"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/tags?post=86639"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}