DCB PayLess Select Credit Card
DCB Bank · Open to apply
The premium fixed-deposit-backed RuPay credit card from DCB Bank: a deposit of ₹1,50,000 gives a limit of 90% of it. It pays ₹1,000 cashback on ₹1 lakh spent in a quarter, with two domestic lounge visits a quarter and one international a year, and a ₹1,000 annual fee waived on ₹2 lakh of spend (nil as a limited offer).
- Annual fee
- ₹1,000 + GST a year
- Joining fee
- None
- Fee waiver
- Annual fee waived on ₹2,00,000 spend a calendar year
- Base rate
- No cashback on everyday spends, only the quarterly spend bonus: 0% cashback (about 0% at cash value)
- Lounges
- Domestic: 2 visits a calendar quarter; International: 1 visit a calendar year
- Forex markup
- 3.5%
- Data
- From bank documents, checked 6 Nov 2026
Earns nothing on
- No cashback on everyday spends, only the quarterly spend bonus
- Rent, wallet loads, online gaming, gambling, fuel and cash do not count towards the cashback
Terms the calculator does not value
- The page shows the annual fee as "₹0 as part of limited offer" with no end date or conditions, so the standard fee (₹1,000, waived on spend) is entered; if the offer holds, the fee is nil for new holders.
- The page's "High Reward Rate" cashback is a flat amount per quarter and is the only reward stated; the T&C of the quarterly cashback (how it is paid, whether it is lost on a late payment) are not published on the page.
Sources
- DCB PayLess Select Credit Card product page (fees and charges, features, FD requirements) (Product page, the bank's own, read 6 Nov 2026)