{"id":85918,"date":"2026-03-26T16:29:45","date_gmt":"2026-03-26T10:59:45","guid":{"rendered":"https:\/\/piceapp.com\/blogs\/?p=85918"},"modified":"2026-03-26T16:29:51","modified_gmt":"2026-03-26T10:59:51","slug":"dcb-payless-platinum-credit-card","status":"publish","type":"post","link":"https:\/\/piceapp.com\/blogs\/dcb-payless-platinum-credit-card\/","title":{"rendered":"A Complete Guide to the DCB PayLess Platinum Credit Card"},"content":{"rendered":"\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\" id=\"key-takeaways\"><strong>Key Takeaways<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>DCB PayLess Platinum credit card is a secured credit card with an annual fee of \u20b9350.<\/li>\n\n\n\n<li>People between the ages of 18 and 75 can apply for it.\u00a0<\/li>\n\n\n\n<li>Offers up to \u20b9250 cashback on spends of a minimum of \u20b950,000 in a quarter.<\/li>\n\n\n\n<li>Need a minimum fixed deposit of \u20b915,000.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>Looking for a credit card that offers everyday benefits without high entry barriers? The DCB Payless Platinum Credit Card is a practical choice, especially for individuals opting for a secured card against a fixed deposit.&nbsp;<\/p>\n\n\n\n<p>With perks like cashback on quarterly spends, complimentary lounge access and personal accident insurance coverage, it balances affordability with value. Read on to explore its benefits in detail.<\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Table of Contents<\/h2><nav><ul><li><a href=\"#dcb-payless-platinum-credit-card-benefits\">DCB Payless Platinum Credit Card Benefits<\/a><\/li><li><a href=\"#dcb-payless-platinum-credit-card-eligibility-criteria\">DCB Payless Platinum Credit Card Eligibility Criteria<\/a><\/li><li><a href=\"#fixed-deposit-requirements-for-getting-dcb-payless-credit-card\">Fixed Deposit Requirements for Getting DCB Payless Credit Card<\/a><\/li><li><a href=\"#dcb-payless-platinum-credit-card-charges\">DCB Payless Platinum Credit Card Charges\u00a0<\/a><\/li><li><a href=\"#how-to-apply-for-a-dcb-payless-platinum-credit-card\">How to Apply for a DCB Payless Platinum Credit Card?<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"dcb-payless-platinum-credit-card-benefits\"><strong>DCB Payless Platinum Credit Card Benefits<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"682\" src=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/DCB-PayLess-Benefits-1024x682.jpg\" alt=\"DCB Payless Platinum Credit Card Benefits\" class=\"wp-image-85920\" title=\"\" srcset=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/DCB-PayLess-Benefits-1024x682.jpg 1024w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/DCB-PayLess-Benefits-300x200.jpg 300w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/DCB-PayLess-Benefits-150x100.jpg 150w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/DCB-PayLess-Benefits-768x512.jpg 768w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/DCB-PayLess-Benefits.jpg 1075w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption><\/figcaption><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Get \u20b9250 cashback on spends of \u20b950,000 in a quarter.<\/li>\n\n\n\n<li>Get 4 domestic lounge access every calendar year (1 per quarter).<\/li>\n\n\n\n<li>Avail a personal accident insurance worth \u20b92,00,000.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"dcb-payless-platinum-credit-card-eligibility-criteria\"><strong>DCB Payless Platinum Credit Card Eligibility Criteria<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Individuals aged between 18 and 75 years can apply.<\/li>\n\n\n\n<li>Applicants should be residents of India with self-mode operation bank accounts.<\/li>\n\n\n\n<li>Individuals have to submit their PAN card details, mobile number and updated email ID for KYC.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"fixed-deposit-requirements-for-getting-dcb-payless-credit-card\"><strong>Fixed Deposit Requirements for Getting DCB Payless Credit Card<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A minimum DCB fixed deposit amount of \u20b915,000 is required.<\/li>\n\n\n\n<li>Minimum tenure of fixed deposit must be at least 1 year.<\/li>\n\n\n\n<li>Fixed deposit account details should be updated with DCB Bank.<\/li>\n\n\n\n<li>The fixed deposit should be active without any lien or freeze status.<\/li>\n<\/ul>\n\n\n\n<p><strong>Note<\/strong>: DCB Tax-Saver deposit, minor and joint fixed deposit accounts are ineligible.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"dcb-payless-platinum-credit-card-charges\"><strong>DCB Payless Platinum Credit Card Charges&nbsp;<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Parameters<\/strong><\/td><td><strong>Fees and Charges<\/strong><\/td><\/tr><tr><td>Joining Fee&nbsp;<\/td><td>NIL<\/td><\/tr><tr><td>Annual Fee<\/td><td>\u20b9350<\/td><\/tr><tr><td>Finance Charge<\/td><td>36% per annum (3% per month)<\/td><\/tr><tr><td>Domestic ATM Cash Withdrawal Fee<\/td><td>2.5% of the transaction value or \u20b9250 (whichever is higher)<\/td><\/tr><tr><td>Replacement of Damaged Card<\/td><td>\u20b9250<\/td><\/tr><tr><td>Reissue of Lost or Stolen Card<\/td><td>\u20b9250<\/td><\/tr><tr><td>Foreign Currency Transactions<\/td><td>3.5% of the transaction value<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how-to-apply-for-a-dcb-payless-platinum-credit-card\"><strong>How to Apply for a DCB Payless Platinum Credit Card?<\/strong><\/h2>\n\n\n\n<p>You can easily apply for the DCB Payless Platinum credit card through their <a href=\"https:\/\/www.dcb.bank.in\/ways-to-bank\/dcb-mobile-banking-app\" target=\"_blank\" rel=\"noopener\">mobile application<\/a>. Here are the steps to follow:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>On the homepage, click on the &#8216;credit card&#8217; option to begin your application.<\/li>\n\n\n\n<li>Select \u2018DCB Payless Platinum\u2019 credit card.<\/li>\n\n\n\n<li>Select the name that you would like to be embossed on the card. Also, provide nominee details.\u00a0<\/li>\n\n\n\n<li>Review and confirm the delivery of your credit card by entering your address.\u00a0<\/li>\n\n\n\n<li>Your card will reach you within 5-7 working days.<\/li>\n<\/ol>\n\n\n\n<p>\ud83d\udca1Managing a credit card effectively is just as important as choosing the right one. With the<a href=\"https:\/\/piceapp.com\/\"> Pice App<\/a>, you can simplify your financial tasks by managing due credit card bill payments more smartly. So, what are you waiting for? Download the app today!<\/p>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\" id=\"footnote\"><strong>Footnote<\/strong><\/h3>\n\n\n\n<p>Annual Fee is waived off upon spending of \u20b950,000 in the previous calendar year.<\/p>\n<\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"fa-qs\">FAQs<\/h3>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1774522465100\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>Is GST applicable to the DCB PayLess Credit Card?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>GST is applicable to all charges related to credit cards as per the regulations of the Government of India. Presently, it is levied at 18%.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1774522483502\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>Can I change my billing cycle?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>You can change your credit card billing cycle through the DCB Mobile Banking app. As per the bank\u2019s policy, the billing cycle can be changed only once during the lifetime of the card. You can request this change only after clearing all outstanding dues. The bank provides 4 billing cycle options: 1st, 7th, 14th and 21st of every month.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Key Takeaways Looking for a credit card that offers everyday benefits without high entry barriers? The DCB Payless Platinum Credit Card is a practical choice, especially for individuals opting for a secured card against a fixed deposit.&nbsp; With perks like cashback on quarterly spends, complimentary lounge access and personal accident insurance coverage, it balances affordability [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":85919,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-85918","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-card"],"_links":{"self":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/85918","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/users\/9"}],"replies":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/comments?post=85918"}],"version-history":[{"count":1,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/85918\/revisions"}],"predecessor-version":[{"id":85921,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/85918\/revisions\/85921"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media\/85919"}],"wp:attachment":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media?parent=85918"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/categories?post=85918"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/tags?post=85918"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}