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DCB Bank credit cards: 6 you can apply for

The best one for most people is DCB PayLess Select Credit Card.

₹4,000a year after fees, at ₹75,000 a month

DCB PayLess Select Credit Card

₹4,000 a year, after fees

₹0 joining + ₹1,000/yr · Lounges in India and abroad

Ranked lower: includes ₹4,000 in vouchers

Keep

It pays back the most of the 2 DCB Bank cards open to apply that we can value.

Rank all 6 at your own spend in the card finder

Verified 7 sources

Points and where they go

DCB Bank's cards pay cash back, not points: 2 cards credit rupees to your statement.

Recent changes

We have no dated change to any DCB Bank card on record.

All 6 DCB Bank cards

Fees run ₹0 to ₹1,000, and 4 of them are genuinely free for life. We cannot value 4 of them: DCB Bank publishes no earn table for those cards, so they are listed as "Not valued". Each card shows what it pays back a year after its fee at ₹75,000 a month, and our verdict: 6 keep, 0 downgrade, 0 cancel.

Open to apply 6

  1. DCB PayLess Select Credit Card

    ₹4,000 a year, after fees

    ₹0 joining + ₹1,000/yr · Lounges in India and abroad

    Ranked lower: includes ₹4,000 in vouchers

    Keep

  5. DCB ZET Credit Card

    Not valued fee or rewards not published

    ₹0 fee · 2.49% forex markup

    Keep

Filter DCB Bank cards by fee, lounges or forex

Standard charges

The charges DCB Bank words the same way on most of its cards, from each card's most important terms and conditions. A card that differs prints its own figure on its own page.

DCB Bank's standard charges
ChargeWhat the bank saysOur readCards
Late payment feeNil ≤₹100; ₹100 (₹101–1,000); ₹500 (>₹1,000)6 of 6

Cards counts the DCB Bank cards whose terms print this exact wording, out of those whose terms print the charge at all.

DCB Bank in RBI's figures

Cards in force
39,512
0.0% of India's cards
Spent in August 2026
₹13 crore
42% of it online
Spend per card
₹3,254
a month, on average

Source: the Reserve Bank of India's monthly card statistics, August 2026. Every bank's figures

Sources

The DCB Bank documents that state its fees and charges, and RBI's release. Each card's page lists its own sources too.

  1. Official Key Fact Statement — Nil joining, Nil annual, Nil forex markup on the Visa network, credit limit 90% of the savings-account lien read
  2. Official Key Fact Statement — Nil joining, Nil annual, Nil waiver threshold; 2.49% forex markup; 42% a year on revolving credit; ₹499 closure within a year read
  3. Official Key Fact Statement, April 2026 — both novio variants at Nil joining and Nil annual fee, 2.5% forex markup, ₹599 closure within a year read
  4. Official Most Important Terms & Conditions, April 2026 — the lounge table granting the Select variant 1 visit per quarter and the Platinum variant none read
  5. Official Product page and FAQs — four domestic lounge visits a year, Nil joining, ₹350 annual waived at ₹50,000, ₹250 cashback on ₹50,000 of quarterly spend, ₹15,000 minimum FD, 3.5% forex read
  6. Official Product page and FAQs — nine lounge visits a year (2 domestic a quarter, 1 international a year), Nil joining, ₹1,000 annual waived at ₹2,00,000, and ₹1,000 cashback on ₹1,00,000 of quarterly spend read
  7. Official Reserve Bank of India: ATM, Acceptance Infrastructure and Card Statistics for the Month of August 2026 read