All cards / DCB Bank
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.
Annual fee
₹0
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. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 0.5% base rate
Benefits by category
- 🌍 Forex / international spend
2.49% forex markup on international transactions
Eligibility
- 0
- Employment: salaried, self-employed
Fees & charges
- Foreign currency markup: 2.49%
- Interest rate: 42% p.a.
- Cash advance charges: 3.5% of the transaction value or ₹300, whichever is higher, at domestic and international ATMs.
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