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DCB Bank
DCB Bank PayLess Platinum Credit Card
RuPay
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.
Rates and fees last verified 15 July 2026.
Annual fee
₹350
Joining fee
₹0
Reward type
cashback
Base reward rate
0.5%
Card network
RuPay
Card tier
Entry
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
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