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DCB Bank
DCB ZET Credit Card
RuPay
DCB ZET Credit Card
DCB's ZET is a fixed-deposit-backed secured credit card for those with no credit history or income proof — a credit-building tool rather than a rewards card.
Rates and fees last verified 15 July 2026.
Annual fee
₹0
Joining fee
₹0
Reward type
cashback
Base reward rate
0.5%
Card network
RuPay
Card tier
Entry
Benefits by category
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- 0
- Employment: salaried, self-employed
Benefits
- FD-backed secured card; credit limit set as a percentage of the linked fixed deposit — no income proof or credit history required
- Flat cashback on eligible spends while the FD continues to earn interest
Pros
- + No credit history or income proof needed
- + Zero joining/annual fee
- + FD continues earning interest while pledged as collateral
Cons
- − Credit limit capped by FD amount
- − Minimal rewards and no lounge or lifestyle benefits