DCB ZET Credit Card
Keep₹2,000 in a deposit, no fee ever, and 2.49% abroad — a credit-builder that is actually usable overseas.
no published earn rate to price
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Welcome: None published — no welcome benefit appears in the KFS, the MITC or the product page.
Not valued. We can't value this card until the issuer publishes how it earns — every net-value number here would be a fee subtracted from rewards nobody has described. Everything we can source — the fee, the charges, the migration that put this card in your hand — is above and stands on its own; this card is simply not on the board, not in the calculator, and cannot win a best-of call until DCB Bank publishes terms we can cite.
Why we decline to value some cards, and what it takes to change that →
3 notes on the card itself: how it is issued · the network variants · why it ranks #411
Why #411 A ₹2,000 deposit, no fee ever and a 2.49% foreign markup — the lowest forex charge on any lifetime-free secured card here. There is no lounge and DCB publishes no reward rate for it, so it ranks as what it is: a credit-file starter with a usable card abroad.
The take
ZET's card is the credit-builder end of DCB's secured range, and it is priced like it. The fixed deposit starts at ₹2,000, the KFS prints Nil against joining, annual and the waiver threshold alike, and there is no income proof and no credit check — a video KYC in the ZET app, a virtual card in about ten minutes and a physical card in five to seven days. Top the deposit up to ₹10 lakh whenever you want and the limit moves with it, at 90% of the deposit. The number worth noticing is the foreign markup: 2.49%, the lowest on any lifetime-free secured card on this board and a full point under the Indian norm. That is a real, if modest, reason to keep it in a drawer for overseas spend, and it is the only travel benefit here — there is no lounge access at all, in any of the three documents. The rewards are a shrug. DCB's own FAQ manages "it offers similar rewards as regular Credit Cards" and stops; there is no rate, no currency, no catalogue. We will not invent one. And the card is dearer to leave than to hold — closing inside a year costs ₹499, and the revolving rate is 42% a year against 36% on DCB's other cards.
Your renewal — keep, downgrade or cancel
There is no renewal arithmetic to run on this card yet — and a break-even we cannot source is not one we will print.
the whole desk — what changed, the downgrade, and what we cannot price →
Keep, downgrade or cancel
what we can and cannot price
Not valued. We can't value this card until the issuer publishes how it earns — every net-value number here would be a fee subtracted from rewards nobody has described. A break-even is the spend at which value crosses a fee, and we are short one side of that sentence — so this desk prints no ladder, no crossing and no ₹0 standing in for either. What we can source about this card is under Sources.
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 we cannot price either side 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
- The lowest entry price on the board alongside novio Platinum — a ₹2,000 fixed deposit that stays yours
- Genuinely lifetime free — the KFS reads Nil joining, Nil annual and Nil waiver threshold
- 2.49% foreign-currency markup, the lowest of any lifetime-free secured card here
- No income proof and no credit history; virtual card in about 10 minutes after approval
- Free physical card once the cumulative deposit reaches ₹5,000; top up to ₹10 lakh to raise the limit
- UPI-linkable RuPay Select — pay from the card through ZET UPI, PhonePe or Google Pay
Watch out
- NO REWARD RATE IS PUBLISHED ANYWHERE — DCB's own FAQ says only that it "offers similar rewards as regular Credit Cards". We will not print a number the bank has not stated
- No lounge access of any kind — no lounge clause appears in the KFS, the MITC or the product page
- DCB CONTRADICTS ITSELF ON FOREX: the KFS, the MITC and the page's own charges table all say 2.49%, while a page FAQ says 3.5%. We carry the three documents that agree
- 42% a year (3.5% a month) on revolving credit — six points above DCB's other secured cards
- ₹499 to close the card within a year, the steepest exit fee in DCB's range
- ATM cash costs 3.5% or ₹300, whichever is higher, and the same 42% interest runs from the day you draw it
- ₹500 late fee above ₹1,000 outstanding; ₹249 to reissue or replace the card
- Everything lives in the ZET app — application, limit, lock/unlock, bill payment
What these points actually fly
DCB Bank has not published what this card earns, so there are no points here to fly with — not zero points, and not points that go nowhere: nothing stated either way. The moment a benefit sheet exists we will price whatever it names.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
Lounge access
0 of 793 tracked doors
No lounge access. This card opens exactly 0 of 793 tracked lounge doors — board with the crowd, or find a card that doesn't →
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. Download the ZET app, sign up with a name and phone number, tap Apply Now, book a DCB fixed deposit of at least ₹2,000 inside the app and complete a video KYC with DCB Bank. The virtual card arrives in about ten minutes after approval and the physical card in five to seven working days, free once the cumulative deposit reaches ₹5,000. Applicants must be 18–75 and resident in India with full KYC; the deposit must be single-name and at least 365 days long, and Tax Saver, minor and joint deposits are ineligible. The credit limit is 90% of the deposit, and you can top the deposit up to ₹10 lakh at any time.
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: the KFS and the MITC carry the SAME three-column table — "Joining Fee / Annual fee (from 13th month of card statement cycle) / Minimum spend for waiver of annual fee" — and the single row reads "DCB ZET Card (Rupay Select) Nil Nil Nil". Lifetime free, sourced three ways. THIS CORRECTS our earlier coverage, which recorded the fees as unresolved because the rendered page carried no fee row; it does now, and both PDFs always did. Secured on a DCB fixed deposit from ₹2,000 (minimum maturity 365 days; Tax Saver, minor and joint deposits ineligible), toppable to ₹10 lakh; credit limit 90% of the deposit; a free physical card once the cumulative deposit reaches ₹5,000. NO LOUNGE ACCESS — the word "lounge" does not appear in the KFS, the MITC or the product page. NO REWARD RATE IS PUBLISHED: the only reward sentence DCB offers is the FAQ's "it offers similar rewards as regular Credit Cards", and the MITC's single "reward" occurrence is a boilerplate set-off clause naming no programme, rate or currency — hence the absent (unpublished) earn rate. Reissue and replacement ₹249 each. Closure ₹499 within a year, the steepest exit in DCB's range. Statement ₹50 per page for a physical duplicate, e-statement free. Note that SBM Bank also fronts a ZET card on its own licence — same brand, different bank, different product.
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
Not published , and we will not invent it: the earn rate and the currency it earns.
Every document behind this page — 3 of them, each with the day we read it
- 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
- official Most Important Terms & Conditions — the same Nil/Nil/Nil fee row and the same 2.49% cross-currency markup, with no lounge clause anywhere in the document
- official Product page and FAQs — ₹2,000 minimum deposit, "Lifetime free with no renewal fee charged", the 2.49% charges table, and the only reward sentence DCB publishes