DCB PayLess Platinum Credit Card
Keep₹15,000 in an FD and ₹350 a year buys four lounge visits — no salary slip, no credit history.
a year at ₹40,000 a month, after the fee
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Read the ₹0.4L figure carefully: ₹1,000 of its ₹1,000 gross is a voucher or a hotel night, not points — worth that only if you would have bought it anyway.
Welcome: None published — DCB carries no welcome benefit for the PayLess range.
Priced on the everyday mix — 30% groceries · 10% utilities · 20% travel · 6% fuel · 34% everything else — with this card's published category rules applied: it earns nothing on fuel here, so that spend is dropped, not paid at the headline, and stops pacing milestones and the waiver. Plus milestones, minus the fee. No accelerator credit — the ranking model on /compare adds ~20% of spend at the card's best accelerator, so its ₹ for this card reads higher.
How these numbers are computed — and why the rankings show a bigger one →
Spend tiers, milestones and fee waivers included, at our house ₹/point. Portal and category multipliers can push higher — run your exact number →
Breaks even only by erasing its fee at ₹5,000 a month
At ₹5,000 a month — ₹60,000 a year — on the everyday mix this card returns ₹0 gross against a fee of ₹0 — the ₹350 is waived, the spend having cleared ₹50,000 a year = ₹0 net — the first rung at or above ₹0. The ladder runs in ₹1,000 steps to ₹1,00,000 a month and ₹10,000 steps to ₹5,00,000; figures are rounded to the hundred, and the accelerator is never credited.
3 notes on the card itself: how it is issued · the network variants · why it ranks #410
Why #410 A ₹15,000 fixed deposit and ₹350 a year buys four domestic lounge visits — the cheapest lounge door on the board, and it needs no income proof and no credit file. It pays almost nothing to spend on, so it ranks on access and on nothing else.
PayLess Platinum pays no points. The entire reward is ₹250 of statement cashback for a quarter in which you spend ₹50,000 on eligible categories — 0.5% at exactly the threshold, and a smaller percentage every rupee above it, because the ₹250 does not scale. Rent, wallet loads, fuel, gaming, gambling and cash do not count.
The take
This is the cheapest airport lounge in India, and it comes with no questions asked. Park ₹15,000 in a DCB fixed deposit, which keeps earning its own interest, and DCB issues a RuPay card with one complimentary domestic lounge visit a quarter for ₹350 a year — free to take out, and free to keep if you spent ₹50,000 in the previous calendar year, which is ₹4,200 a month. There is no income proof, no credit check and no branch visit; the whole thing happens in the DCB app. What it will not do is pay you. DCB's rewards FAQ is one row: ₹250 cashback for a quarter in which you spend ₹50,000 — 0.5% if you land exactly on the number and less every rupee after, with rent, wallet loads, fuel, gaming and cash struck out of the count. Foreign spend carries the full 3.5% markup. The extras are RuPay's, not DCB's: a ₹2,00,000 personal accident cover and a concierge line NPCI runs for every Platinum RuPay card. Take it for the lounge and the credit file. If you want the international lounge visit and the ₹1,000-a-quarter cheque, the Select variant is the same card with a ₹1,50,000 deposit.
Your renewal — keep, downgrade or cancel
This card reaches break-even by ERASING its fee, not by out-earning it: the waiver is the decision.
Keep, downgrade or cancel
₹350/yr at stake · 5 spend bands
The charge ₹0 joining, then ₹350/yr
The waiver ₹50,000 of spend in the year before renewal — about ₹4,167 a month — and the renewal fee is not charged.
Break-even ₹5,000 a month — ₹60,000 a year — is where this card's value crosses its fee, and it gets there by erasing the fee at the waiver rather than out-earning it.
At your spend
₹1,000 a year, net of the fee, at ₹3,00,000 of annual spend — this clears the waiver, so no fee is charged
₹1,000 a year, net of the fee, at ₹6,00,000 of annual spend — this clears the waiver, so no fee is charged
₹1,000 a year, net of the fee, at ₹12,00,000 of annual spend — this clears the waiver, so no fee is charged
₹1,000 a year, net of the fee, at ₹36,00,000 of annual spend — this clears the waiver, so no fee is charged
₹1,000 a year, net of the fee, at ₹60,00,000 of annual spend — this clears the waiver, so no fee is charged
Everyday earn plus milestones, minus the fee — the same model as the value panel above, so the two cannot disagree. run your exact spend →
Your copy of this card
You hold this card.
Kept on this device, in your browser. It is never sent to us, never synced, and nothing else on the site reads it yet.
The downgrade
DCB Bank publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and the numbers above are the whole of it.
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- Four complimentary domestic lounge visits a year — 1 per quarter on NPCI's RuPay list
- Nil joining fee; ₹350 a year from the 13th month, waived on ₹50,000 of previous-calendar-year spend
- ₹250 cashback for any quarter in which you spend ₹50,000 on eligible categories
- The lowest FD door of any lounge card here — ₹15,000, and the deposit keeps earning DCB's FD rate
- No income proof and no credit history; the credit limit is 90% of the deposit, up to ₹9,00,000
- ₹2,00,000 RuPay personal accident cover, plus a complimentary RuPay concierge line
- 1% fuel-surcharge waiver up to ₹100 a statement cycle on fuel transactions up to ₹5,000
Watch out
- NO per-swipe reward of any kind — the entire return is one ₹250 cashback per qualifying quarter, and it does not scale above ₹50,000
- Rent, wallet loads, online gaming, gambling, fuel and cash withdrawals are excluded from the milestone count by MCC
- 3.5% foreign-currency markup, and no international lounge visit — that is the Select variant's benefit, not this one's
- 36% a year (3% a month) on revolving credit; ₹500 late fee above ₹1,000 outstanding
- ₹250 to close the card within a year; ₹250 to reissue or replace it
- ATM cash costs 2.5% or ₹250, whichever is higher, is capped at 50% of the limit, and interest runs from the day of withdrawal
- Tax Saver, minor, joint, HUF, NRI, trust and partnership fixed deposits are all ineligible as collateral
- Don't activate within 30 days and the card is closed on day 37; go a year without using it and DCB closes it too
What these points actually fly
No live transfer route takes Statement cashback (₹) into a programme that publishes an award chart. These points buy catalogue and portal redemptions, not award seats — so this page has no flight to show you, and will not invent one.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
What earns, what doesn't
8 sourced rules · 3 pay zero
DCB publishes ONE list and it does two jobs at once, because there is only one thing to qualify for. The card has no per-swipe reward — the entire programme is ₹250 of cashback for a quarter in which ₹50,000 is spent — so a category that is struck out of the milestone count earns nothing at all, and a category that counts earns exactly its share of ₹250. The exclusion is quoted on the product page in two places, once as prose and once as MCCs: "Transactions made for rent payment, wallet loading, online gaming, gambling, fuel, cash withdrawal will not be considered (MCC- 6010, 6011, 6012, 6051, 6513, 6540, 7800, 7801, 7995, 8651, 5541, 5542, 5172)."
- Rent & property management · excluded Named in the exclusion prose and by MCC 6513. Rent neither earns nor counts toward the quarterly ₹50,000
- Wallet loads · excluded "Wallet loading" is named in the prose and MCC 6540 in the list
- Fuel · excluded Excluded from the reward count by MCC 5541, 5542 and 5172 — but those are the same three MCCs the 1% fuel-surcharge waiver runs on, capped at ₹100 a statement cycle for transactions up to ₹5,000. Fuel gets the surcharge back and never counts toward the quarterly milestone
Does your spend count toward the fee waiver?
not published — and we say which
₹50,000 a year is the bar that waives the ₹350 fee. A different question from the one above — earning points and counting toward a threshold are separate rules, and issuers write them separately.
Not published. DCB Bank states what the DCB PayLess Platinum Credit Card earns and does not earn, but has not published which spend categories count toward the fee waiver — the ₹50,000 bar. We won't guess it from the earn table or from a sibling card: Axis published three cards' rules on one day and all three lists differed. If you hold this card and have it in writing from the issuer, send us the document and we'll source it.
Lounge access
17 of 793 tracked doors
Opens 17 of 793 tracked lounge doors across 10 airports , via RuPay — see the full map →
Can you get it?
income, age and the route in
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Direct application — no invite list, no banking relationship required.
No income proof, no credit history and no branch visit. Open the DCB Mobile Banking app, tap the Credit Card tile, pick or create a DCB fixed deposit of at least ₹15,000, choose the Platinum variant, confirm the embossing name, nominee and delivery address, and the card arrives in five to seven working days. Applicants must be 18–75, resident in India, with full KYC and no non-performing loan at the time of applying; the deposit must be single-name, at least a year long, and free of lien or freeze. The credit limit is 90% of the deposit — ₹13,500 on the ₹15,000 minimum — and rises instantly when you link another FD, to a ceiling of ₹9,00,000.
per the official DCB Bank MITC — figures marked (community) aren't in the PDF; the issuer won't say · filter the board by what you can get →
The fine print
4 of 7 MITC rows published
What the MITC actually says — the rates, fees and cutoffs the brochure skips.
FEE COLUMNS: DCB publishes TWO, labelled literally "Joining Fee" and "Annual Fee", and they are NOT inverted — the FAQ restates the pair as "Joining Fee / Annual fee (from 13th month of card statement cycle)". Joining Nil, annual ₹350 from the 13th month, waived on ₹50,000 of previous-calendar-year spend. A "( ₹0 as part of limited offer )" parenthetical sits beside the ₹350 and is a live promotion, not the standing fee. NO MITC OR KFS PDF IS PUBLISHED for the PayLess range — the product page's own tables are the primary document, and the only PDF linked from it is a Credit-Card-on-UPI FAQ. Secured on a DCB fixed deposit from ₹15,000 (single-name, minimum 365 days, no lien or freeze; Tax Saver, minor, joint, HUF, NRI, trust and partnership deposits ineligible); credit limit 90% of the deposit, ₹13,500 minimum to ₹9,00,000 maximum. REWARDS ARE A QUARTERLY MILESTONE AND NOTHING ELSE: ₹250 cashback for a quarter in which ₹50,000 is spent, credited in the first month of the next quarter, with rent, wallet loading, online gaming, gambling, fuel and cash withdrawal excluded (MCC 6010, 6011, 6012, 6051, 6513, 6540, 7800, 7801, 7995, 8651, 5541, 5542, 5172). There is no per-swipe rate at all. Lounge: 1 domestic visit per quarter, 4 a year, on NPCI's RuPay list; no international entitlement. 1% fuel-surcharge waiver up to ₹100 a statement cycle on fuel transactions up to ₹5,000 (MCC 5541, 5542, 5172). ₹2,00,000 RuPay personal accident cover and a RuPay concierge line, both NPCI benefits. Statement ₹50 per page for a physical duplicate, e-statement free. Reissue and replacement ₹250 each. Closure ₹250 within a year. DORMANCY: not activated within 30 days and the card closes on day 37; unused for a year and DCB closes it.
per the official DCB Bank MITC · reviewed 10 Jul 2026
What's changed for this card
nothing tracked yet — which is itself a fact
No tracked devaluations or changes yet — this card's history starts here.
Verified against DCB Bank's own documents on · the net-annual-value engine, at our house ₹/point
Every document behind this page — 2 of them, each with the day we read it
- 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
- official DCB's cards hub — the PayLess Platinum is listed and open for application, filed under Secured Credit Card