M16S / DCB Bank / DCB PayLess Platinum Credit Card
entry · secured, cashback, upi
DCB PayLess Platinum Credit Card
The DCB PayLess Platinum Credit Card costs Rs 350 a year, waived if you spend Rs 50,000 in a year. Its base return is 0.5% (Rs 250 cashback on Rs 50,000 quarterly spend). The forex markup is 3.5%. Lounge visits in India: 1 per quarter (4 a year), RuPay / NPCI programme. Read from the issuer's own documents on 31 Oct 2026.
- Annual fee
- Rs 350+ GST
- Fee waived at
- Rs 50,000annual spend
- Base return
- 0.5%
- Forex markup
- 3.5%
- Interest
- 3%a month
Apply on dcb.bank.inOpens the bank’s own page.
Fees
| Joining fee | Free |
|---|---|
| Annual feeunverified | Rs 350 |
| Annual spend that waives the feeunverified | Rs 50,000 |
| Fee notes | Joining nil; annual Rs 350 from the 13th month, waived on Rs 50,000 spend (mapping to be confirmed). |
Rewards
| Reward currency | Cashback |
|---|---|
| Base earn | Rs 250 cashback on Rs 50,000 quarterly spend |
| Base return | 0.5% |
| Point value | Cashback credited in the first month of the following quarter |
| Caps | Fixed milestone amount per quarter; nothing below the threshold. |
| Spends that earn nothing | Rent, wallet loading, online gaming, gambling, fuel, cash withdrawals. |
| Milestone benefits | Quarterly spend cashback as above. |
| Reward notes | base_return_pct = Rs 250 / Rs 50,000, only if the quarterly threshold is hit exactly; zero below it. |
Travel and perks
| Domestic lounge | 1 per quarter (4 a year), RuPay / NPCI programme |
|---|---|
| International lounge | None |
| Lounge conditions | Unused visits lapse at quarter end; Rs 2 non-refundable authorisation; programme can be changed by NPCI. |
| Forex markup | 3.5% |
| Fuel surcharge waiver | 1% waiver on fuel txns up to Rs 5,000, cap Rs 100 per statement cycle |
Charges and eligibility
| Interest per month | 3% |
|---|---|
| Late payment fee | Nil up to Rs 100 outstanding; Rs 100 above Rs 100 up to Rs 1,000; Rs 500 above Rs 1,000 (per month) |
| Cash advance fee | 2.5% or Rs 250, whichever is higher |
| Eligibility | Requires a DCB Bank fixed deposit; credit limit 90% of the linked FD; minimum FD not stated. |
| Fine-print notes | FD-backed: limit 90% of linked DCB fixed deposit; cash limit 50% of credit limit. Bank may break the FD if minimum due is unpaid by day 85 or outstanding reaches 95% of FD. The fee table in the MITC/KFS text extracted without clear column labels; the Platinum/Select mapping of annual fee and waiver (Rs 350 / Rs 50,000 vs Rs 1,000 / Rs 2,00,000) follows the order of figures and should be confirmed. DCB's product pages returned no terms to the reader. Minimum FD not stated. |
Questions
- What is the annual fee of the DCB PayLess Platinum Credit Card?
- Rs 350 a year, before GST. It is waived if you spend Rs 50,000 in a year.
- Does the DCB PayLess Platinum Credit Card give airport lounge access?
- Yes. In India: 1 per quarter (4 a year), RuPay / NPCI programme. Outside India: none listed. Conditions: Unused visits lapse at quarter end; Rs 2 non-refundable authorisation; programme can be changed by NPCI.
- What is the forex markup on the DCB PayLess Platinum Credit Card?
- 3.5% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the DCB PayLess Platinum Credit Card?
- Rent, wallet loading, online gaming, gambling, fuel, cash withdrawals.