DCB Bank Credit Card | DCB Bank Credit Card Apply Online


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Usage of credit cards is becoming very popular these days. Almost every one of us has a credit card. All the banks & various financial institutions offer credit cards with a lot of attractive offers and benefits. One of them is DCB Bank’s credit card. In this post, we have discussed the DCB Bank Credit Cardeligibility, benefits, how to apply, etc. in detail.


DCB Bank Credit Card


DCB Bank offers various types of cards to their customers. The credit card they offer is the DCB PAYLESS CREDIT CARD. DCB PayLess Credit Card is a secured credit card against a fixed deposit that brings you a host of benefits and services with more savings, more flexibility, and exciting offers. DCB PayLess Credit Card helps you Pay Less and Save More.



DCB Bank Credit Card Benefits

DCB Bank Payless Credit Card provides the following benefits to its customers

  • Low APR – 24% p.a.
  • Free credit period of 15-45 days on your spending and cash withdrawals.
  • Zero fuel surcharge at all petrol pumps across the country up to spends of Rs.20,000 annually.
  • No processing fee on balance transfers from your existing credit cards.
  • Complimentary personal accident (Road / Rail / Air travel) insurance of Rs.1 lakh.
  • Complimentary lost card insurance of Rs.2 lakh on your card.
  • Enjoy introductory cashback of Rs. 350 on spends of Rs. 5000 on your card in the first 3 months.
  • Secure online shopping with Verified by Visa / One Time Password (OTP)Free SMS alerts for all transactions on your card.
  • Free online utility bill payments.
  • You can save upto Rs. 5,000 with DCB Bank Credit card.


BenefitsAnnual Savings
Balance Transfer of Rs. 50,000
Interest savings vis-a-vis 36% p.a. on your other credit cards for 6 monthsRs. 3,000
Waiver of 2% processing feeRs. 1000
Waiver of 2.5% fuel surcharge on spends of Rs.20,000Rs. 500
Complimentary Insurance PremiumRs. 500
Total Savings on your DCB PayLess CardRs. 5,000



DCB Bank Credit Card Eligibility



DCB Bank Credit Card Apply Online

  • To apply for DCB Bank Credit Card apply online, Click here.
  • After that a new page will be opened. In there you have to fill few details about yourself.
  • Fill all the details there.
  • Agree to the terms & conditions.
  • Then finally submit the form.
  • After that, within few days, you will receive a call from DCB Bank and they will guide you for further processes.  


DCB Bank Credit Card Charges

Description of ChargesCharges on the DCB PayLess Account
Annual feeIntroductory offer – Rs. 350 annually
Finance charges on all transactions – merchant
establishments, cash withdrawal and balance transfer.
24% per annum or 2% per month
Domestic Cash Withdrawal Fee2.5% or Rs. 250 whichever is higher
Late payment charges (per month)Rs. 100
Over credit limit charge2.5% per month of the amount over credit limit
Cheque bounce chargeRs. 250 per returned cheque
Petrol transaction charge2.5% (subject to a minimum of Rs. 10) waived for DCB PayLess Card members at all petrol pumps
to a maximum of Rs. 500 per Card member per financial year
Railway ticket booking or Cancellation surcharge2.5% of the transaction value (subject to a minimum of Rs. 25)
Statement requestNo charge for e-statements Rs. 50 per page for duplicate physical statement
Reissue of lost or stolen cardRs. 150
Replacement of damaged cardFree
Balance transfer processing fee2% processing fee waived off
Foreign currency transactionsCross currency markup of 3.5%
International usage at Visa ATMs – Balance enquiryRs. 25 per transaction
International usage at Visa ATMs – Cash withdrawalRs.125 per transaction
Outstation cheque charge<= Rs.10,000 – Rs. 50, Rs. 10,001 to Rs. 1,00,000 – Rs. 100, >= Rs. 1,00,001 – Rs. 150
Account ClosureRs. 500 if closed within a year, else Rs. 200


DCB Bank Credit Card Payment

You can pay your DCB Bank Credit Card Bill in different ways.

  1. You can pay your DCB bank credit card bill with CRED and get great rewards & cashback. Click to know how to pay credit card bill with CRED.
  2. You can pay your DCB bank credit card bill with Amazon Pay, Paytm, Mobikwik, Phonepay, and Google pay applications.

DCB Bank Credit Card Customer Care

For any queries or doubts, you can reach out to the customer care of DCB Bank.

For Resident Indians (IST 8:00am to 8:00pm) 

For NRIs


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