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DCB Bank PayLess Platinum Credit Card
Despite the 'Platinum' name, this FD-backed DCB card is actually cheaper than PayLess Select — a lower ₹350 fee with an easier ₹50,000 spend waiver, plus basic lounge access.
Annual fee
₹350
Joining fee
₹0
Reward type
cashback
Base reward rate
0.5%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to applicants who clear the standard eligibility bar whose spend is concentrated in dining, groceries. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 0.5% base rate
- Domestic lounge access: 4 complimentary domestic airport lounge visits per year (1 per quarter)
Benefits by category
- 🍽️ Dining & food delivery
1% reward rate
- 🛒 Groceries
1% reward rate
- ✈️ Travel
Complimentary domestic airport lounge access
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- 0
- Employment: salaried, self-employed
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹50,000
- Foreign currency markup: 3.5%
- Cash advance charges: 3% of the withdrawn amount at ATMs in India and abroad, billed to the next statement
Benefits
- FD-backed secured card; credit limit set against the linked fixed deposit — no income proof required
- Complimentary domestic airport lounge access
Pros
- + Lower fee and easier waiver threshold than PayLess Select
- + Domestic lounge access despite being FD-secured
- + No income proof needed
Cons
- − Confusingly named — 'Platinum' is actually the cheaper, more accessible variant
- − Credit limit capped by the linked FD