All cards / DCB Bank
DCB Bank RuPay Select Credit Card
RuPay
DCB Bank RuPay Select Credit Card
DCB Bank's RuPay Select sits alongside its Payless Platinum/Select, Zet, and Niyo Global cards, offering the standard RuPay Select lounge tier with slightly better rewards on dining and online shopping.
Rates and fees last verified 15 July 2026 · No bank pays us to rank higher.
Annual fee
₹1,000
Joining fee
₹1,000
Reward type
points
Base reward rate
1%
Card network
RuPay
Card tier
Mid
Who this card fits
Best suited to applicants with a credit score of roughly 720+ whose spend is concentrated in dining, online shopping. Its annual fee waives if you can comfortably clear the spend threshold.
Benefits by category
- 🍽️ Dining & food delivery
1.5% reward rate
- ✈️ Travel
2 complimentary domestic lounge visits per year via the RuPay Select programme
- 🛍️ Shopping
1.5% reward rate
- ⛽ Fuel
1% fuel surcharge waiver at all fuel stations across India on transactions between ₹400 and ₹5,000, capped monthly
- 🌍 Forex / international spend
3% forex markup on international transactions
Eligibility
- Minimum credit score: 720
- Minimum monthly income: ₹30,000
- Employment: salaried, self-employed
- Age: 21–65
Benefits
- 1% fuel surcharge waiver at all fuel stations across India on transactions between ₹400 and ₹5,000, capped monthly
- 2 complimentary domestic lounge visits per year via the RuPay Select programme
Pros
- + Domestic lounge access twice a year
- + Better rewards on dining and online shopping than DCB's Payless cards
- + Reasonable fee waiver threshold
Cons
- − DCB's own Zet and Niyo Global cards may offer better value for digital-first spenders
- − RuPay-only acceptance for international transactions
- − No premium travel benefits