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CASHBACK CARD

DCB PayLess Platinum Credit Card

DCB Bank

Secured against a DCB Fixed Deposit with a limit up to 90% of the FD value. Offers ₹250 cashback on ₹50,000 quarterly spend and 1 domestic airport lounge visit per quarter (4 a year).

Cashback excludes rent, wallet loading, online gaming, gambling, fuel and cash withdrawals. Annual fee ₹350 + GST applies from the 13th month unless ₹50,000 is spent in the previous calendar year; FD of at least ₹15,000 is needed.

DCB PayLess Platinum Credit Card
ANNUAL FEE
₹350 + GST
JOINING FEE
No joining fee
REWARDS
Not stated
Earning terms not yet recorded
KEY BENEFIT
₹250 cashback on spending ₹50,000 in a quarter, credited in the first month of the next quarter
BEST FOR
Included: May suit applicants with a DCB Fixed Deposit of at least ₹15,000 who want a card without income proof or credit history.
Included: May suit spenders who put about ₹50,000 a quarter on categories that count towards cashback.
Included: May suit people who hold or plan a DCB Fixed Deposit of ₹15,000 or more and want a card without income proof.
Included: May suit travellers who make about one domestic airport lounge visit a quarter.
Limitation: Spenders who mainly pay rent, fuel or wallet top-ups may wish to compare other cards.
Limitation: Those who mainly spend on fuel, rent or wallet loading may wish to compare other cards.
Limitation: Applicants who cannot place a DCB Fixed Deposit of at least ₹15,000 for 1 year or more may wish to compare other cards.
Limitation: Those wanting international lounge access may wish to compare other cards.
Typical fit only. This is not personalised advice and not an indication of approval.
GOOD TO KNOW
Condition: Cashback is given in the first month of the next quarter after the spend milestone is achieved.
Condition: The credit limit is up to 90% of the linked FD value; the limit may vary and is set by the Bank.

Rewards & real value

What the card earns, and what changes that figure in practice.
WHAT THE CARD EARNS
EVERYTHING ELSE
Not stated
No earning rate recorded for this card
REWARD POINT VALUE
Not stated
Effective return cannot be calculated without it

Eligibility

Minimum income
Not stated
Minimum age
18
Maximum age
75

Fees & ownership

Joining fee
No joining fee
Annual / renewal fee
₹350 + GST
Fee waived at
₹50,000 spend in the previous calendar year
Forex markup
3.5%
Finance charge
3% per month
Cash withdrawal fee
2.5% of the amount
Late-payment charge
Not stated
Interest-free period
Not stated

Benefits & privileges

TRAVEL
Domestic airport lounge
4 visits per quarter — 4 visits per calendar year (1 per quarter) · Select RuPay-listed airport lounges; Platinum variant. No spend condition or guest terms on the page.
International airport lounge
Not stated
Railway lounge
Not stated
Lounge spend requirement
Not stated
Lounge programme
RuPay select airport lounges (rupay.co.in/lounges)
EVERYDAY
Fuel
1% up to ₹100 per statement cycle on fuel transactions up to ₹5,000
Dining
Not stated
RuPay / UPI
Not stated

Caps, exclusions and redemption

Major excluded categories
Rent payment, wallet loading, online gaming, gambling, fuel and cash withdrawals do not count towards cashback (MCC 6010, 6011, 6012, 6051, 6513, 6540, 7800, 7801, 7995, 8651, 5541, 5542, 5172); Rent payment, wallet loading, online gaming, gambling, fuel and cash withdrawals earn no quarterly spend credit.
Categories earning nothing
Not stated
Monthly reward cap
Not stated
Annual reward cap
Not stated
Reward point value
Not stated
Points expiry
Not stated
Redemption fee
Not stated
Minimum redemption
Not stated
Credited automatically
Not stated

Who this card may suit

MAY SUIT
Included: ₹250 cashback on spending ₹50,000 in a quarter, credited in the first month of the next quarter
Included: Secured against your DCB Fixed Deposit; limit up to 90% of FD value, with no credit history or income proof required.
Included: Complimentary personal accident insurance cover of ₹2,00,000, provided by RuPay (NPCI).
Included: Complimentary RuPay concierge services such as gift and flower delivery, restaurant reservation and car rental.
MAY NOT SUIT
Not stated
Typical fit only, based on the card’s own published terms. This is not personalised advice and not an indication of approval.
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Figures last checked 31 Oct 2026 against the issuer’s published terms.