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    DCB Bank Payless Credit Card Reviews

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    DCB Payless Credit Card

    Fees & Charges

    Promised Interest Rate

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    Overview:

    DCB Bank offers the PayLess Credit Card which comes with remarkable membership benefits, incomparable offers and discounts, attractive rewards programme and much more. The main highlight of this credit card is that it is through the placement of a customer’s fixed deposit account as a collateral and because of this, customers can enjoy a high credit limit.

    DCB Bank is a new generation scheduled commercial bank. It currently has 160 branches across India. The Bank focuses on micro-SME, Retail, SME, Agriculture, mid-Corporate, Commodities, Public Sector, Government, Indian Banks, Non-Banking Finance Companies and Co-operative Banks. DCB Bank provides the latest digital and mobile banking services for its customers.

    Why choose DCB PayLess Credit Card?

    Finally a card for all, and it stops you from overspending!

    DCB – Payless Credit Card is an attractive option since it offers higher flexibility, boosts savings, and regularly brings exciting discount offers. This credit card is linked with your fixed deposit account with DCB Bank. You enjoy credit limit of up to 90% of the fixed deposit amount. Use the Card just like any other credit card and pay the card dues by the due date. Any amount overdue on the card is deducted from the linked fixed deposit account. This unique offer that offers hassle-free banking to customers, is available only on DCB Bank Payless Credit Card. What is more, your DCB Fixed Deposit earns attractive interest.

    Features and Benefits of DCB Payless Credit Card:

    This Card is for you! It lets you enjoy higher credit limit, and also earns a tidy interest income from the linked fixed deposit. For many a credit card is out reach for whatever reason. Well this one isn’t. Don’t we all have a fixed deposit in a bank somewhere or the other? Use that fixed deposit to get this card. Apply for the card and also start a DCB Fixed Deposit, We offer amongst the most attractive fixed deposit interest rates. The card is linked to the DCB Fixed Deposit. Shop online, book tickets or simply keep the Card handy for emergencies.

    Here is what you get with DCB PayLess Credit Card:

    • Enjoy the privilege of choosing your own credit limit as well as cash limit Sensible interest rate for overdue payment at Annual Percentage Rate (APR) of just 24%
    • Assists the cardholder to make a positive impact on his/her credit score
    • Enjoy 15 to 45 days of credit period at no additional cost on all spends and/or cash withdrawal
    • Avail zero fuel surcharge on INR 20,000 worth of annual spend at fuel stations across India
    • Balance transfer from a customer’s existing credit card to the DCB Bank Payless Credit Card at no extra cost
    • Exciting introductory offer get INR 350 as cashback on INR 5000 worth of spend on your card during the first 3 months from the date of issue.
    • You get free personal accident cover of up to INR1 lakh Courtesy DCB Bank
    • Also pay utility bills online no processing fee is levied

    Why apply for DCB Payless Credit Card through BankBazaar?

    BankBazaar is a third-party comparison website for financial products and services, which offers expert and unbiased advice as well as relevant information to its users. By applying for DCB PayLess Credit Card through BankBazaar, you can enjoy a host of privileges, offers and benefits. Here are some of the reasons why BankBazaar is the place to be if you would like to avail a DCB Bank Credit Card:

    • Knowledge Bank: Get all related and relevant information about DCB Payless Credit Card through BankBazaar. You can check your eligibility, conditions to be fulfilled in order to get a credit card, updated interest rates, fees and charges, and much more.
    • Expert Advice: BankBazaar offers accurate, expert and unbiased information to its users and helps you to determine the best and most viable options available as per your profile and requirements.
    • User-friendly Interface: It is easy to navigate through the BankBazaar website and to find all relevant details. The application process is also simplified and in the event of any confusion or queries, the dedicated customer care executives will be available around the clock to assist you.
    • Multiple Actions through a Single Site: Enjoy the privilege of checking all available credit card options, comparing it with DCB credit card, analyzing your best options, checking your eligibility, shortlisting and also applying for a credit card all in one place!

    Applying for DCB Payless Credit Card through BankBazaar?

    BankBazaar provides a simple and uncomplicated interface that is easy to use. Applying for DCB Bank PayLess Credit Card, it is now quick and easy with the BankBazaar online application process. You can apply for this card anywhere and at your convenience without waiting for the Bank’s executives to get in touch with you. Here’s the step-by-step application process for DCB Bank Credit Card through BankBazaar:

    • Visit BankBazaar website and click on the ‘Credit Cards’ option on the main page.
    • You will be redirected to the credit cards page with a detailed display of all available credit cards, related information and issuing banks, including DCB Payless Credit Card.
    • If required, you can also check whether you meet the eligibility criteria of the credit card of your choice by simply clicking on the ‘Check Eligibility’ option and answering a simple questionnaire.
    • You also have the “Explore Card” feature for detailed information about the card, such as its features, benefits, and
    • If you qualify for the credit card you have chosen - the next step would be to click on the ‘Apply Now’ tab and fill in the required information - the form and click submit.
    • And as simple as that, your application process is completed!

    DCB PayLess Credit Card Eligibility and Documentation:

    Eligibility:

    Any individual who wishes to launch a medium and/or small scale start-up, first time credit card users, cautious card users, ITES and BPO employees, housewives, students and others who are willing to open a fixed deposit with DCB Bank with a minimum balance of Rs. 25,000 , are eligible to apply for DCB PayLess Credit Card.

    Documents Required:

    • Applicant’s PAN Card copy or copy of Form 60
    • Proof of residence: Any one of these documents - passport, driving license or ration card
    • Proof of income: Most recent salary slip, latest Form 16 and/or copy of Income Tax Return.

    DCB PayLess Credit Card FAQs:

    1. Can I shop online with my DCB Payless Credit Card?

      Yes, enjoy secure online shopping, which is Verified by Visa.

    2. What are the additional facilities available free with the Card?

      There are several complementary benefits that accompanies the ownership of a DCB Payless Credit Card, some of which are:

      • Stress free tracking of card usage. Free SMS alerts are sent by the Bank to the cardholder. Stay updated on all transactions made with the Card
      • Balance transfer from existing credit cards can be processed at no extra charge
      • Utility bill payments can be made online at no additional charge
    3. Are there any other conditions applicable on the balance transfer from other bank credit cards to DCB Payless Credit Card?

      The balance transfer request will be processed for an amount of INR 5000 and above. If the balance transfer amount is for an amount which is higher than 80% of the funds available in the linked fixed deposit account, the request cannot be processed.

    4. What does the “Verified by Visa” feature of DCB Payless Credit Card entail?

      The “Verified by Visa” feature provided by DCB Bank on its PayLess Credit Card. It offers a secure online shopping experience to its customers as well as protects your card against fraud or other malpractices. The transactions are validated with signature as well as digital receipt and there is also an additional password protection facility.

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