DCB Bank Credit Card. How to apply for a credit card, DCB Bank Net banking, Check Eligibility, status, bill payment
DCB Bank offers the PayLess Credit Card which comes with remarkable membership benefits, incomparable offers and discounts, attractive rewards programme and much more. The main highlight of this credit card is that it is through the placement of a customer’s fixed deposit account as a collateral and because of this, customers can enjoy a high credit limit. Interested to know more? Read on.
Best credit cards in India
What are the Features and Benefits of DCB Credit Card?
With remarkable membership benefits, incomparable offers and attractive rewards programme, DCB Bank offers the PayLess credit card to its customers. The highlight of this credit card is that it is through the placement of a customer’s fixed deposit account as a collateral so that the customers can enjoy a high credit limit.
Customers can enjoy the privilege of choosing their own credit limit as well as cash limit Sensible interest rate for overdue payment at Annual Percentage Rate (APR) of just 24%
This credit card assists the cardholder to make a positive impact on his/her credit score
Card holders can enjoy 15 to 45 days of credit period at no additional cost on all spends and/or cash withdrawal
Customers can avail zero fuel surcharge on INR 20,000 worth of annual spend at fuel stations across India
At no extra cost the customers can transfer their balance from their existing credit card to the DCB Bank Payless credit card.
Customers will get an introductory offer of Rs 350 as a cashback on Rs 5000 worth of spend on their card. This offer is valid only during the first 3 months from the date of issue.
Customers will be offered up to Rs 1 lakh as a personal accident cover from DCB Bank.
Customers can pay their utility bills online with no processing fee.
Why choose DCB Credit Card?
Being a bank with fantastic products and services, DCB Bank aims at robust customer care services amd latest technology. DCB may be relatively new in terms of expertise but their credit card is unknown for its unique features, benefits and its affordability. Following are the reasons why an individual should choose DCB credit card.
Unique Benefits and Features - Though DCB Bank provides just one credit card (as of now) it comes loaded with a number of benefits and features to satisfy its customers. To reduce the burden on the cardholder this card is secured against a fixed deposit.
Easy Application - DCB Bank credit card can be applied either online or offline. These two convenient methods of applications will ensure that customers are able to avail their credit card without too many hassles. The process is customer centric and transparent.
Customer Care Support - DCB Bank offers a robust customer care service which makes a difference. When it comes to a bank or financial institution not all may understand the way certain products work. So in case of doubts or queries, please do contact the customer care service team.
What is the Eligibility and Documents required to avail DCB Credit Card?
ELIGIBILITY: Before applying for a DCB Bank credit card, the applicant must be eligible to own one. Each and every bank has its own eligibility criteria, likewise DCB bank has certain rules to be followed before providing the credit card to its customers. The customer should satisfy the bank’s needs by proving that he/she is eligible to own a DCB Bank credit card
|Age||21 to 65|
|Income Requirement||Minimum ficed deposit of Rs.25000|
|Employment||Salaried or Self Employed|
|Interest free period||Upto 48 days|
|ATM Cash Withdrawal Charges||3.0% of amount withdrawn|
DOCUMENTATION: When applying for DCB Bank credit cards, you will have to submit a few important documents - address proof, identity proof and income proof. The documents required will be communicated by DCB Bank at the time of applying for a credit card. You need to submit the following documents to avail a DCB Bank credit card-
Address proof – Passport/ Driving Licence/ Voters ID etc.
Identity proof – Bank Statement/ Voter Id/ Driving Licence/ Pension Book etc.
Income Proof – Bank Statement/ Pay Slip/ Income Tax return
Passport size photo
How to Apply for DCB Credit Card?
Since DCB Bank issues only one type of credit card, it is very easy to apply it through the official website of the bank. The features of the card will be mentioned and if you think it would be suitable for your lifestyle, then you can proceed further. Follow the steps given below to apply for DCB credit card
Step 1: Visit the official website of DCB Bank and click on ‘Quick Links’ which is on top of the page.
Step 2: A drop down menu will appear wherein you will have to choose ‘Cards and Offers’.
Step 3: You will be redirected to the next page, you will have to select ‘DCB Cards’. From the drop down menu, ‘Payless’ will have to be chosen which is presently the only credit card offered by this company.
You can either download the form, fill it and then upload it or submit it to the nearest branch of DCB Bank or can fill in the required details under the ‘Leave Your Number’ section post which the representatives of the bank will contact you directly.
You can also apply for the DCB Bank credit card offline. This can be done by visiting the nearby branch of DCB Bank. You 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 anytime for any queries or doubts regarding the same.
How to Check Application Status of DCB Bank Credit Card?
The application status can be checked easily through online. An alternate way of checking DCB Bank credit card application status can be done by contacting the customer care. Since that is a little painful process for most of the customers, DCB Bank has made it tension free by allowing the customers to check it through online. The user has to visit the official portal of American Express Bank. The status can be checked using the following:
The credit card application reference number and application form number: You can visit the official website of the bank. You can go to the credit cards section in the webpage. You can view the progress of your credit card application by providing details of your application reference number, application form number, mobile number or date of birth.
Through Mobile number: You need to visit the official website of DCB Bank and go the credit cards section. Enter the mobile number that you registered for credit card application. The mobile number will be verified mostly with an OTP. Following the verification, you can see the status of your credit card application.
Through AirWay Bill number: Once the card is approved, the applicant will receive a letter with the AirWay bill number of the shipment carrying the credit card. You can track your credit card status by using the AirWay bill number. Go to the official website of DCB Bank and select ‘Track your credit card’. Now, you will be redirected to another page where you will have to enter your AirWay bill number. Once the number is verified, you will be able to track your credit card location and when it will reach you.
Offline method: When you do not have internet access, you can simply check your credit card application status offline. You can either call the 24X7 credit card customer care or also walk into the nearby DCB Bank branch with your e-reference number, application form number and date of birth. The executives of the bank will help and guide you track the credit card application status immediately.
DCB Bank Net Banking
With the world going digital many people prefer paying their bills through online methods. DCB Bank has also understood this advancement and setup multiple ways that a person can pay their credit card bills. You can log onto the DCB Bank website and register for free. Once you get a User ID and password, you can check your credit card balance online at your convenience at anytime, anywhere. You do not have to wait for your monthly bill and statement to arrive in the mail. Net banking is useful to check your balance online and get the credit card statement for the month.
DCB Bank Net Banking:
To utilize the DCB Bank Net Banking facility, DCB Bank’s savings and current account holders should register for this service. Online payments can be done by customers only after registration. Customers can also link their DCB Bank credit cards to Net Banking account, once they login to their DCB Bank Net Banking account. The ATM PIN can be used to link the DCB Bank credit card to the Net Banking account.
Customers can access or view their DCB Bank credit card information, credit card statements and unbilled transactions using the net banking facility for up to six months. All the Net Banking account will display the billed/unbilled transactions, credit limit, due dates, reward points earned and outstanding dues. To make payment towards your credit card, log in to the net banking facility through the bank website and go into the credit card tab and select the “Credit Card Payment Option”. Pay your bills using your DCB Bank savings account.
DCB Bank Mobile Banking Application:
DCB Bank Mobile Banking application can be used to make outstanding bill payments by DCB Bank credit card customers. Customers will have to download the app on their mobiles and after installation use their customer ID to log into the app. It contains all the features that are present in the Net banking portal. To pay off the credit card dues, the user has to go into the credit card tab and select the “Credit Card Payment Option”. With highly enhanced security for credit card accounts using 128-bit SSL protection a user can pay or transact for anything from anywhere accessing their savings account using their Mobile app.
What kind of requests can be raised using DCB bank netbanking account?
Once you register to DCB bank credit card for internet banking, you can avail a lot of online services. Given below are some of the services offered by DCB Bank netbanking.
- Credit card statement related requests: To access the history of transactions, activate or deactivate the reception of physical statements, the customers can use their netbanking facility. They can also download soft copies of the statement any time of the day.
- Redemption of reward points: Your netbanking account can be used to check and redeem their reward points.
- Deactivate or activate auto-debit on your card: Cardholders can choose to activate or deactivate auto debit of payments on their DCB Bank credit card that is registered for net banking
- Checking payment due date: Payment due date can be checked by logging into your netbanking account using the internet banking portal once the card has been registered successfully for this service.
- Checking the amount of available credit: You can check the amount of credit available on your registered credit card by using the internet login account.
Benefits of Registering for DCB Bank Netbanking account: By introducing netbanking, DCB bank helps its customers to easily keep a track of the various financial products and services that they use. Some of the benefits are listed below:
- Different kinds of services: Once the cardholder registers his card for netbanking, he can access important information and service related to their card through the portal. Services like reporting a stolen or damaged card and blocking it, from generating PIN to linking it to easy bill payment can be availed using net banking. Through DCB bank credit card login account, you can also check and redeem their rewards points.
- No compromise on the safety and security of card: High quality safety and security measures are provided by DCB Bank to keep customers’ information safe. By registering the credit card for netbanking, they can use the secure methods of banking to make payments towards the credit card.
- Availability of service 24x7: Cardholders can use the 24x7 service to fulfil all such requests at anytime of the day. They can access credit card statement of the past 3 months and convert the outstanding balance on the card into EMIs.
#3. How to Pay my DCB Bank Credit Card Bill?
A credit card holder can make payments online or offline mode every month. The procedures mentioned below are almost similar in all the banks for making the credit card payment. DCB Bank Credit card bill payment too follows the same procedure on and offline methods.
Net banking: Log in to the net banking facility through the bank website to pay your credit card bills. Go to the credit card tab and select the “Credit Card Payment” option. Pay your bills using your bank savings account.
Autopay: If you are having a messed up schedule, you might forget to pay your credit card bills. To avoid late payments, you can opt for autopay facility which deducts the amount that you have used on your credit card.
ATM Funds Transfer: The ATMs available across the country helps you to pay credit card bills. This service is made available to bank’s customers, 24x7. The outstanding amount available on your credit card can be transferred from a savings account or a current account to your credit card account.
Through online payment from another account: You do not necessarily open a bank account to have the respective bank’s credit card, you can also pay your credit card bill using your current bank account. There are many ways that a person with a credit card can pay his/her credit card bills through online transactions using other bank accounts. This is one convenient way of paying your credit card bill through other banks.
Through the Bank’s Website: One of the options is the Bill Desk web page which is set up to make your credit card bill payment. Fill in the required details which also includes the credit card number and payment amount. You are then directed to the bank’s net banking portal to complete the credit card bill payment. You will receive an online transaction confirmation as well as a Transaction Reference Number after a successful transaction. If you have given your email ID, you will also receive an email with all the transaction details. To know if your bank can be used to avail this service you can check the list in the bank’s website.
Through another Bank’s Website: In case you do not have a bank account of the credit card your hold, you can pay your credit card bills by logging into your bank’s online payment portal using your unique net banking ID and password and transfer the due amount. The process is very simple which consists of many more options including NEFT and RTGS. The payment of the bill will take 2 working days to be credited to your bank account.
Cash Payment: You can pay your credit card bills by paying in cash at any one of the branches near you in your city. A processing fee per payment will be charged by the bank at the time of bill payment.
Cheque Payment: If you choose to pay your credit card bills using cheques, then you can do so in the same way as you would pay your credit card bills by paying cash. You can also drop off the cheques mentioning your credit card number and other required details at the bank ATMs where there are drop boxes for this purpose. The payment will get cleared within 3 business days.
DCB Customer Care Number
DCB Bank provides its credit card holders a system to get quick redressal of their concerns, complaints and grievance. There is a toll free line to get information on your account as well as to speak to the customer care team. Also, customers can find easy ways to contact DCB Credit Card customer service through the bank’s website, email, and postal address. There is also a process to escalate your case in the event that you are unsatisfied with the resolution provided by the customer care team.
Customers can contact DCB Bank with any credit card related queries on their toll free helpline at 1800 209 5363.
If you wish to reach DCB Bank via email, you can write to firstname.lastname@example.org.
NRI customers can use email@example.com
You can also address your queries and issue your mail to the following address
DCB Bank Limited,
P.O. Box No. 7643,
Mumbai - 400064
About DCB Bank and Credit Card
With 160 branches serving around 4.5 lakh customers, DCB Bank is a scheduled Commercial Bank which operates in the private sector. DCB Bank is spread across 2 union territories and 17 states in India. Its operations span in Retail, SME, micro-SME, mid-Corporate, Commodities, Agriculture, Public Sector, Government, Co-operative Banks, Indian Banks, and Non-Banking Finance Companies. DCB is a new generation bank with contemporary technology as well as infrastructure.
DCB Bank Ltd. is a private sector bank which has its headquarters in Mumbai, India. It provides products to individuals, small and medium businesses, rural banking and mid corporates across its network of branches in India.
DCB – Payless Credit Card is an attractive option which offers higher flexibility, boosts savings, and regularly brings exciting discount offers. This credit card will be linked with your fixed deposit account with DCB Bank. You can enjoy credit limit of up to 90% of the fixed deposit amount. Use the card just like any other credit card and pay the card dues before the due date. Any amount overdue on the card will be deducted from the linked fixed deposit account. This unique offer that offers hassle-free banking to its customers, is available only on DCB Bank Payless credit card. What is more, your DCB Fixed Deposit earns attractive interest.
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