Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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  • DCB Bank Credit Card is Rated as "Excellent!" by 5 Users

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    Credit Card BYTES FROM OUR KITCHEN
    rated 4.5/5.0 by 5 users

    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 customers 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 customers 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 the cardholder.
    • Easy Application - Customers can apply for their DCB Bank credit card either online or offline. These two convenient methods of applications will ensure that customers are able to procure their 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 the cardholder availing Reward Points, AirMiles and other discounts that can be utilised later. Through credit cards, customers 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 the cardholder’s finances. Customers are always advised to pay their bill in full because not doing so will result in their 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, customers will have to end up paying a hefty amount and may result in their 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 customers 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

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

    Additionally, customers can also drop a mail to the bank and will be contacted by them 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 they meet the eligibility criteria that has been put forth, they 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, customers 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

    • Cardholders have the unique option of being able to choose their 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.
    • Cardholders can enjoy a free credit period of 15 days to 45 days on their cash withdrawals and spends.
    • Upon spending Rs.20,000 or more through the card per year, cardholders can enjoy zero fuel surcharge across petrol pumps in the country.
    • In case individuals wish to transfer balance from their existing credit card to their DCB Bank PayLess credit card, they can do so without having to pay any processing fee.
    • One of the biggest advantages that can be availed by cardholders is the complimentary personal accident insurance of Rs.1 lakh which covers rail, road and air travel.
    • Additionally, cardholders also receive a complimentary lost card insurance of Rs.1.5 lakh on their card.
    • As an introductory offer, cardholders can avail a cashback of Rs.350 when they charge Rs.5,000 on their 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 their credit cards.
    • Customers can track their spends online thanks to the free SMS alerts that they receive for all their card transactions.
    • DCB Bank PayLess credit cardholders can pay their utility bills online very conveniently for free.
    • Through proper usage of their credit card, customers can also increase their credit score.

    Eligibility and Documentation of DCB Bank Credit Card

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

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

    DCB Bank Credit Card Offers

    Category Merchant Offer Offer Validity
    Health and Wellness Apollo Customers can avail a discount of upto 15% when they use their DCB Bank credit card to pay the bill at Apollo Pharmacy 30 June, 2018

    DCB Bank is a new generation bank that provides customers 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 customers build their 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.

    Updated on November, 2017

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    DCB Bank Credit Cards Reviews

    • DCB Bank Credit Card
      "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? 0
      , coimbatore
      Reviewed on Jul 12, 2017
    • DCB Bank Credit Card
      "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? 0
      , hyderabad
      Reviewed on Jun 06, 2017
    • DCB Bank Credit Card
      "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? 1
      , mumbai
      Reviewed on Sep 19, 2016
    • DCB Bank Credit Card
      "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? 8
      , new delhi
      Reviewed on Sep 18, 2015
    • DCB Bank Credit Card
      "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? 17
      , hyderabad
      Reviewed on Aug 28, 2015
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