M16S / DCB Bank / DCB ZET Credit Card
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DCB ZET Credit Card
The DCB ZET Credit Card charges no annual fee and no joining fee. The forex markup is 2.49%. Read from the issuer's own documents on 11 Oct 2026.
- Annual fee
- Free
- Fee waived at
- —
- Base return
- —
- Forex markup
- 2.49%
- Interest
- 3.5%a month
Fees
| Joining fee | Free |
|---|---|
| Annual fee | Free |
| Fee notes | Joining and annual fee nil. Replacement / reissue Rs 249. Card closure within one year Rs 499. |
Travel and perks
| Forex markup | 2.49% |
|---|
Charges and eligibility
| Interest per month | 3.5% |
|---|---|
| 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 | 3.5% or Rs 300, whichever is higher; cash limit 50% of credit limit |
| Eligibility | FD-backed: credit limit 90% of linked DCB fixed deposit. Free physical card once cumulative FD reaches Rs 5,000. |
| Fine-print notes | Variant in the KFS is 'DCB ZET Card (RuPay Select)'; the MITC insurance section also names Select and Platinum variants without separate terms. Rewards, cashback, lounge and fuel waiver are not in the DCB documents and ZET's own pages were not read. FD can be liquidated if minimum due is unpaid to 85 days past due or dues breach 95% of FD. Rs 499 fee if closed within a year. |
Questions
- What is the annual fee of the DCB ZET Credit Card?
- No annual fee.
- What is the forex markup on the DCB ZET Credit Card?
- 2.49% of each foreign-currency transaction, before GST.