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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.
Annual fee
₹1,000
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 utilities. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 0.5% base rate
- Domestic lounge access: 2 complimentary domestic airport lounge visits per quarter (8/year)
- International lounge access: 1 complimentary international airport lounge visit per year
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
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹2,00,000
- 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- Cash advance charges: 3% of the withdrawn amount at ATMs in India and abroad, billed to the next statement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
- 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