All cards / DCB Bank
DCB Bank
DCB Bank PayLess Select Credit Card
RuPay
DCB Bank PayLess Select Credit Card
DCB PayLess Select is an FD-backed secured RuPay card with a relatively steep ₹1,000 annual fee that needs ₹2,00,000 of yearly spend to waive — the Platinum variant below undercuts it on both counts.
Rates and fees last verified 15 July 2026.
Annual fee
₹1,000
Joining fee
₹0
Reward type
cashback
Base reward rate
0.5%
Card network
RuPay
Card tier
Entry
Benefits by category
- 🧾 Utilities
1% reward rate
- ⛽ Fuel
1% fuel surcharge waiver on eligible transactions
- 🌍 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
- 1% fuel surcharge waiver on eligible transactions
Pros
- + No income proof needed — FD-backed approval
- + Flat cashback on eligible spends
- + Fuel surcharge waiver
Cons
- − Higher annual fee (₹1,000) than the Platinum variant, with a tougher ₹2L waiver threshold
- − Credit limit capped by the linked FD