Fees
Annual feeNil (Lifetime Free)
Joining feeINR 0
Renewal feeNil (Lifetime Free)
Fee waiverLifetime free - no spend condition required
Interest rate2.0% per month (24.0% per annum (p.a.))
Late paymentNil for ≤INR 500; INR 500 for INR 501-INR 5,000; INR 750 for INR 5,001-INR 10,000; INR 1,000 above INR 10,000
Forex markup3.50%
Cash advance2.5% of transaction value or INR 250 (whichever higher)
Eligibility
Min income (salaried)No income requirement (FD-backed secured card)
Min income (self-emp.)No income requirement (FD-backed secured card)
Income requirementSalaried: No income requirement (FD-backed secured card); Self-employed: No income requirement (FD-backed secured card)
Credit scoreNot mandatory (secured against FD; 0-650 acceptable)
Age range18 to 75
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rateNo accelerated category
Cashback %Introductory cashback of INR 350 on first INR 5,000 spend within 3 months of issuance
Cashback capINR 350 one-time welcome cashback only
Redemption optionsBank's own online redemption store; Gift Vouchers
Points expiry2 years from date of accumulation
Travel & lounge
Domestic lounge0 visits (no lounge benefit)
International lounge0 visits (no lounge benefit)
Lounge conditionsNA - no lounge access
Travel insuranceNo
Hotel/flight offers0% - 5% via partner merchants
ConciergeNo
Forex waiver3.5% (Standard Rate - no waiver)
Lifestyle
Dining benefitsNo
Dining discountsNo
Fuel surchargeYes - 1% waiver on fuel transactions up to INR 5,000/statement; max INR 100/cycle
OTT subscriptionsNo
E-commerce offersNo
Credit limit & EMI
Default limit80%-90% of FD amount (minimum FD INR 15,000)
Max limitUp to 90% of pledged FD (max FD INR 1.5 lakh)
Cash withdrawal20%-40% of credit limit
EMI optionsPost-purchase; Yes - available at select merchants
EMI conversionPost-purchase
Min EMI amountINR 2,500 - INR 3,000
Balance transferYes - zero processing fee on balance transfer
BT interest rateAs per bank schedule (APR ~24%)
Insurance & protection
Purchase protectionNo
Lost card liabilityYes - zero liability if reported within 3 working days
Coverage detailsPersonal Accident Cover: INR 2 lakh
Digital & security
ContactlessYes
Virtual cardYes - via DCB Mobile Banking App
App featuresReal-time Spend Alerts; Card Lock/Unlock; View Statements & Due Dates; Autopay Setup; Block Lost/Stolen Card; Secure Login Options
Card controlsBlock/Unblock Card; Enable/Disable International Usage; Enable/Disable Online Transactions; Set Transaction Limits; Card PIN Reset; Report Lost/Stolen Card
Fraud protectionReal-time Transaction Alerts; OTP for Online Transactions; Tokenization (RBI Mandated); Instant Card Block Option
Zero liabilityZero liability if fraud reported within 3 working days; Limited liability if reported within 4-7 working days
WhatsApp supportYes - DCB WhatsApp Banking