Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • DCB Bank Credit Card

    DCB, a top contender in the private sector, is a scheduled commercial bank that is regulated by the Reserve Bank of India. This bank boasts of over 300 branches across 19 states in the country and provides a plethora of products and services.

    DCB Bank was established in the 1930s and the Aga Khan Fund for Economic Development is State-of-the-art technology and robust customer care service is given utmost priority by this new generation bank. DCB Bank also provides you with internet, personal as well as business banking services.

    The various segments of DCB are SME, Retail, Micro-SME, Commodities, Agriculture, Indian Banks, Government Public Sector, Non-Banking Finance Companies and Co-operative Banks. As part of their retail banking portfolio, DCB Bank provides you with a plethora of products and services such as credit cards, prepaid cards and debit cards.

    Why Choose DCB Bank Credit Cards?

    A bank with fantastic products and services, DCB Bank places emphasis on robust customer care service and latest technology. In terms of expertise, DCB may be relatively new but their credit card is known for its unique features, benefits as well as affordability. Following are the reasons that would compel an individual to opt for the DCB bank credit card.

    • Unique Benefits and Features - DCB Bank as of now provides just one credit card but it comes loaded with a number of benefits and features. This card is also secured against a fixed deposit, thus reducing the burden on you.
    • Easy Application - You can apply for your DCB Bank credit card either online or offline. These two convenient methods of applications will ensure that you can procure the credit card without too many hassles. The process is customer centric and transparent.
    • Customer Care Support - A robust customer care service makes all the difference when it comes to a bank or a financial institution as not all may understand the way certain products and services work. In case of doubts or queries, all individuals need to do is call the customer care service or drop an email.

    Apply for DCB Bank Credit Card

    If there is one product that has changed the face of the economy today, it is the credit card. These plastic cards may look small and unimportant but wield a significant influence in the financial world. Ever since their inception, credit cards have been used for various purposes and is also highly popular due to the sheer number of benefits and features provided by them.

    Firstly, credit cards are firstly highly convenient. It is easier to carry around a small card that can be swiped at most locations. It is also much more secure than carrying around a bundle of cash. Additionally, using credit cards can result in you availing Reward Points, AirMiles and other discounts that can be utilised later. Through credit cards, you can also purchase products and services both within and outside the country through online shopping. The list of benefits goes on and on.

    However, despite the numerous benefits offered by this financial tool, if misused it can cause a serious dent in your finances. You are advised to pay your bill in full because not doing so will result in you having to pay an additional interest. Paying just the minimum amount due is also allowed but strictly not advised. If bills are not paid on time, you will have to end up paying a hefty amount and may result in you spiralling into a debt trap. Therefore, not all can procure credit cards but only those who meet the necessary eligibility criteria can avail the same.

    However, diligent usage of a credit card is highly beneficial and recommended as well. There are a number of companies today that provide customers with credit cards with DCB Bank being one of the top providers. Individuals can avail DCB credit cards either online or offline.

    Apply for DCB Bank Credit Card Online

    One of the foremost banking service providers in the country, DCB Bank is renowned for their products and services along with robust customer care service. DCB Bank provides you with a number of cards such as debit, credit as well as prepaid cards. Individuals can apply for a DCB Bank credit card online by visiting the website of the bank.

    Apply for DCB Credit Card through DCB Bank Website

    • Step 1: You should first visit the official website of DCB Bank and click on ‘Quick Links’ which is on top of the page.
    • Step 2: A drop down menu will appear wherein you will have to choose ‘Cards and Offers’.
    • Step 3: Once you are redirected to the next page, you will have to select ‘DCB Cards’.
    • Step 4: From the drop down menu, ‘Payless’ will have to be chosen which is currently the only credit card offered by this company.
    • Step 5: You can either download the form, fill it and then upload it or submit it to the nearest branch of DCB Bank or you can fill in the required details under the ‘Leave Your Number’ section post which the representatives of the bank will contact them you directly.

    You can also drop a mail to the bank and will be contacted by them the bank directly.

    Apply for DCB Bank Credit Card Offline

    Individuals can also apply for the DCB Bank credit card offline. This can be done by visiting the nearest branch of DCB Bank. Individuals will have to fill in the required form along with the necessary documents. If you meet the eligibility criteria that has been put forth, you can procure the credit card.

    Applicants can also contact the customer care service of DCB Bank through their toll free number at any given point of time for any queries or doubts regarding the same.

    DCB Payless Credit Card

    A secured credit card that provides a plethora of benefits and features, the DCB PayLess credit card is the only credit card that is currently provided by DCB Bank. This credit card as the name suggests is secured against a fixed deposit, thereby providing more savings and flexibility. Secured credit cards also usually procured by first time credit card holders or those that do not have a good credit score.

    Through the DCB PayLess credit card, you can save more and pay less at the same time. This credit card comes with a multitude of benefits and features.

    Features and Benefits of DCB PayLess Credit Cards

    • You have the unique option of being able to choose your own credit limit as well as the cash limit.
    • The annual percentage rate at 24% per annum is lower than what most other banks or credit card providers offer.
    • You can enjoy a free credit period of 15 days to 45 days on your cash withdrawals and spends.
    • Upon spending Rs.20,000 or more through the card per year, you can enjoy zero fuel surcharge across petrol pumps in the country.
    • In case you wish to transfer balance from your existing credit card to your DCB Bank PayLess credit card, you can do so without having to pay any processing fee.
    • One of the biggest advantages that can be availed by you is the complimentary personal accident insurance of Rs.1 lakh which covers rail, road and air travel.
    • Additionally, you also receive a complimentary lost card insurance of Rs.1.5 lakh on your card.
    • As an introductory offer, your can avail a cashback of Rs.350 when you charge Rs.5,000 on your card within the first three months.
    • Online shopping is the latest fad today and customers can shop online without any security concerns thanks to the Verified by Visa feature on your credit cards.
    • You can track your spends online thanks to the free SMS alerts that you receive for all your card transactions.
    • As a DCB Bank PayLess credit cardholder, you can pay your utility bills online very conveniently for free.
    • Through proper usage of your credit card, you can also increase your credit score.

    Fees and Charges of the DCB Payless Credit Card

    Particulars Charge
    Annual fee Rs.350
    Finance charges 24% per annum or 2% per month
    Domestic Cash Withdrawal Fee 2.5% or Rs.250, whichever is higher
    Late payment charges (per month) Rs.100
    Overlimit charge 2.5% per month of the amount over credit limit
    Cheque bounce charge Rs.250 per returned cheque
    Petrol transaction charge 2.5% (subject to a minimum of Rs.10) This charge is waived at all petrol pumps to a maximum of Rs.500 per card every year
    Railway ticket booking or Cancellation surcharge 2.5% of the transaction value (subject to a minimum of Rs.25)
    Statement request
    • e-statements- NIL
    • Rs.50 per page for physical statement
    Reissue of lost or stolen card Rs.150
    Replacement of damaged card Free NIL
    Balance transfer processing fee 2% processing fee waived off
    Foreign currency transactions 3.5%
    International usage at Visa ATMs Balance enquiry Rs.25 per transaction
    International usage at Visa ATMs - Cash withdrawal Rs.125 per transaction
    Outstation cheque charge Less than Rs.10,000 - Rs.50, Rs.10,001 to Rs.1 lakh- Rs.100, More than Rs.1,00,001 – Rs.150
    Account Closure
    • Rs.500 if the account is closed within a year.
    • If the account is closed after one year, the fee is Rs.200

    Eligibility and Documentation of DCB Bank Credit Card

    You will have to be above the age of 18 and should have a fixed deposit with DCB Bank.

    For further details regarding the same, you are advised to contact the bank directly.

    DCB Bank is a new generation bank that provides you with a number of unique products and services that are customer friendly as well. These products can be procured quite easily without any hassles. The PayLess credit card by DCB Bank is secured against a fixed deposit and can be availed by those who do not have good credit scores or have never owned a credit card before. Using this card judiciously can help you build your credit while enjoying the numerous benefits provided by this credit card. Individuals can apply for this card by either visiting the nearest branch of DCB Bank or by visiting the official website of the bank.

    FAQs on DCB Bank Credit Card

    1. Which number should I call if I have queries about my credit card?

      You can reach the DCB credit card customer care at 022 6899 7777 or 040 6815 7777.

    2. What are the late payment charges per month?

      The late payment charge is Rs.100 every month.

    3. Can I close my credit card account when I want?

      Yes, you can close your credit card account. However, you will have to pay a fee of Rs.500 if you close the account before a year and Rs.200 if you close the account after a year.


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    DCB Bank Credit Card Reviews

    • DCB Bank
      "Good service"
      0.5 5.0/5 "Blown Away!"
      DEVELOPMENT CREDIT BANK has offered me annual fee chargeable card of 500 rupees and there is no waiver off option based on usage. I have been using this credit card for past 10 years. But the limit is low of 50K, they need to enhance it. The customer service is good. Mobile app is user friendly and all details are updated on time. I would suggest to provide some benefits for the customer's.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 04, 2020
    • DCB Bank
      DCB Bank
      0.5 5.0/5 "Blown Away!"
      I have a EMI card with DCB and I can take loans on the card. It has to be paid within 45 days if not it will be converted into EMI for 24 months. ROI is pretty much good and they charge only 13% same like other banks. And no charge for fore closure that is the best thing. But The customer service is not up to the mark even IVR system need an improvement. I have utilized the full amount on the card and am paying monthly due of Rs.5850.
      Was this review helpful? 2
      , gurgaon
      Reviewed on Mar 27, 2019
    • DCB Bank
      "Good Credit Card to use"
      0.5 4.0/5 "Great!"
      I have DCB card, its a normal credit card as others, I am using this card around four years. They are very transparent and they do send the statement before the due date. The customer support is very good in terms of handling the queries, I haven't found any difficulties.
      Was this review helpful? 3
      , noida
      Reviewed on Feb 21, 2019
    • DCB Bank
      "Its a Good Credit Card"
      0.5 4.0/5 "Great!"
      There is nothing special in DCB credit card, I have been using couple of months. I use this card for certain transaction, the customer service is very good the helpline is directly reachable to the executive without any IVR options its really helpful.
      Was this review helpful? 2
      , mumbai
      Reviewed on Nov 26, 2018
    • DCB Bank
      "Very good service"
      0.5 5.0/5 "Blown Away!"
      I've a credit card from the DCB Development Credit bank. I've got personal connections with the bank. The credit limit is very good. The main advantage of this bank is that there are no additional charges for their services. Overall it was a very good experience.
      Was this review helpful? 1
      , hyderabad
      Reviewed on May 26, 2018
    • DCB Bank
      "Looking for better credit limit"
      0.5 4.0/5 "Great!"
      I have a credit card with DCB from last 1 year, the credit card services are good when compared to other credit cards. I have a credit limit of Rs 36000 which is less in this card and this is a lifetime free card. I did not find any offers and net banking is easy to make payments.
      Was this review helpful? 2
      , thane
      Reviewed on May 02, 2018
    • DCB Bank
      "Average card to use"
      0.5 1.0/5 "Really Bad"
      I haven't used Development bank credit card so far. I have choose DCB pay less credit card just to increase my credit score. I am using this card for past 3 months. The rate of interest is high with Payless card. The credit limit can be increased with DCB in future.
      Was this review helpful? 3
      , coimbatore
      Reviewed on Jul 12, 2017
    • DCB Bank
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I got credit card with Development credit Bank. The credit limit is good and satisfactory. I am fully satisfied with the service as there is no issues with DCB in terms of the credit card. I am getting reward points and cash back offers as well.
      Was this review helpful? 2
      , hyderabad
      Reviewed on Jun 06, 2017
    • DCB Bank
      "Good time period"
      0.5 5.0/5 "Blown Away!"
      15-45 days period is good and the best thing is they update your cibil every month with net banking service and chip and also has 100% cash withdrawal option with very less charges nice looking card and fast helpline service from bank through toll free.....
      Was this review helpful? 3
      , mumbai
      Reviewed on Sep 19, 2016
    • DCB Bank
      "Happy Credits!"
      0.5 5.0/5 "Blown Away!"
      The services are better with Development Credit Bank (DCB) Credit card services. I am having a sufficient limit and for the past 1.5 years I am having the Platinum card with them. Payment can be done through the same bank account in 1 or 2 days. Overall I am really happy with the services offered by them.
      Was this review helpful? 11
      , new delhi
      Reviewed on Sep 18, 2015
    • DCB Bank
      "good help and easy process"
      0.5 5.0/5 "Blown Away!"
      Easy steps of application and use full very one and mostly thanks bankbaar..thanks for team and existing my first time looking simpul processing it is neesary ,lot information in single steps good expirence of my giting card information so every one take that card and use bank baajaar
      Was this review helpful? 19
      , hyderabad
      Reviewed on Aug 28, 2015
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