DCB Bank Credit Card

A bank with fantastic products and services, DCB Bank places emphasis on robust customer care service and latest technology. In terms of expertise, DCB may be relatively new but their credit card is known for its unique features, benefits as well as affordability. Following are the reasons that would compel an individual to opt for the DCB bank credit card.

1. Unique Benefits and Features - DCB Bank as of now provides just one credit card but it comes loaded with a number of benefits and features. This card is also secured against a fixed deposit, thus reducing the burden on you.
2. Easy Application - You can apply for your DCB Bank credit card either online or offline. These two convenient methods of applications will ensure that you can procure the credit card without too many hassles. The process is customer centric and transparent.
3. Customer Care Support - A robust customer care service makes all the difference when it comes to a bank or a financial institution as not all may understand the way certain products and services work. In case of doubts or queries, all individuals need to do is call the customer care service or drop an email.

Apply for DCB Bank Credit Card

If there is one product that has changed the face of the economy today, it is the credit card. These plastic cards may look small and unimportant but wield a significant influence in the financial world. Ever since their inception, credit cards have been used for various purposes and is also highly popular due to the sheer number of benefits and features provided by them.

Firstly, credit cards are firstly highly convenient. It is easier to carry around a small card that can be swiped at most locations. It is also much more secure than carrying around a bundle of cash. Additionally, using credit cards can result in you availing Reward Points, AirMiles and other discounts that can be utilised later. Through credit cards, you can also purchase products and services both within and outside the country through online shopping. The list of benefits goes on and on.

However, despite the numerous benefits offered by this financial tool, if misused it can cause a serious dent in your finances. You are advised to pay your bill in full because not doing so will result in you having to pay an additional interest. Paying just the minimum amount due is also allowed but strictly not advised. If bills are not paid on time, you will have to end up paying a hefty amount and may result in you spiralling into a debt trap. Therefore, not all can procure credit cards but only those who meet the necessary eligibility criteria can avail the same.

However, diligent usage of a credit card is highly beneficial and recommended as well. There are a number of companies today that provide customers with credit cards with DCB Bank being one of the top providers. Individuals can avail DCB credit cards either online or offline.

Apply for DCB Bank Credit Card Online

One of the foremost banking service providers in the country, DCB Bank is renowned for their products and services along with robust customer care service. DCB Bank provides you with a number of cards such as debit, credit as well as prepaid cards. Individuals can apply for a DCB Bank credit card online by visiting the website of the bank.

Apply for DCB Credit Card through DCB Bank Website

1. Step 1: You should first visit the official website of DCB Bank and click on 'Quick Links' which is on top of the page.
2. Step 2: A drop down menu will appear wherein you will have to choose 'Cards and Offers'.
3. Step 3: Once you are redirected to the next page, you will have to select 'DCB Cards'.
4. Step 4: From the drop down menu, 'Payless' will have to be chosen which is currently the only credit card offered by this company.
5. Step 5: You can either download the form, fill it and then upload it or submit it to the nearest branch of DCB Bank or you can fill in the required details under the 'Leave Your Number' section post which the representatives of the bank will contact them you directly.

You can also drop a mail to the bank and will be contacted by them the bank directly.

Apply for DCB Bank Credit Card Offline

Individuals can also apply for the DCB Bank credit card offline. This can be done by visiting the nearest branch of DCB Bank. Individuals will have to fill in the required form along with the necessary documents. If you meet the eligibility criteria that has been put forth, you can procure the credit card.

Applicants can also contact the customer care service of DCB Bank through their toll free number at any given point of time for any queries or doubts regarding the same.

DCB Payless Credit Card

A secured credit card that provides a plethora of benefits and features, the DCB PayLess credit card is the only credit card that is currently provided by DCB Bank. This credit card as the name suggests is secured against a fixed deposit, thereby providing more savings and flexibility. Secured credit cards also usually procured by first time credit card holders or those that do not have a good credit score.

Through the DCB PayLess credit card, you can save more and pay less at the same time. This credit card comes with a multitude of benefits and features.

Features and Benefits of DCB PayLess Credit Cards

1. You have the unique option of being able to choose your own credit limit as well as the cash limit.
2. The annual percentage rate at 24% per annum is lower than what most other banks or credit card providers offer.
3. You can enjoy a free credit period of 15 days to 45 days on your cash withdrawals and spends.
4. Upon spending Rs.20,000 or more through the card per year, you can enjoy zero fuel surcharge across petrol pumps in the country.
5. In case you wish to transfer balance from your existing credit card to your DCB Bank PayLess credit card, you can do so without having to pay any processing fee.
6. One of the biggest advantages that can be availed by you is the complimentary personal accident insurance of Rs.1 lakh which covers rail, road and air travel.
7. Additionally, you also receive a complimentary lost card insurance of Rs.1.5 lakh on your card.
8. As an introductory offer, your can avail a cashback of Rs.350 when you charge Rs.5,000 on your card within the first three months.
9. Online shopping is the latest fad today and customers can shop online without any security concerns thanks to the Verified by Visa feature on your credit cards.
10. You can track your spends online thanks to the free SMS alerts that you receive for all your card transactions.
11. As a DCB Bank PayLess credit cardholder, you can pay your utility bills online very conveniently for free.
12. Through proper usage of your credit card, you can also increase your credit score.

Fees and Charges of the DCB Payless Credit Card

Eligibility and Documentation of DCB Bank Credit Card

You will have to be above the age of 18 and should have a fixed deposit with DCB Bank.

For further details regarding the same, you are advised to contact the bank directly.

DCB Bank is a new generation bank that provides you with a number of unique products and services that are customer friendly as well. These products can be procured quite easily without any hassles. The PayLess credit card by DCB Bank is secured against a fixed deposit and can be availed by those who do not have good credit scores or have never owned a credit card before. Using this card judiciously can help you build your credit while enjoying the numerous benefits provided by this credit card. Individuals can apply for this card by either visiting the nearest branch of DCB Bank or by visiting the official website of the bank.

Credit cards make payments easy for all expenses online and offline while offering various benefits

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