01
Pay by scanUPI
Pay by scanning a QR
Details
Use the RuPay credit card for eligible merchant UPI payments through ZET UPI.
DCB ZET Credit Card
- Minimum FD
- ₹2,000
- Annual fee
- ₹0
- Credit limit
- ₹1,800 to ₹2,00,000
Currently listed as available
At a glance
- Bank name
- DCB Bank
- Partner name
- ZET
- Minimum FD
- ₹2,000
- Credit limit
- ₹1,800 to ₹2,00,000
- UPI payments
- Available
- Card network
- RuPay
Rewards & benefits
02
Earn as you spend2%
Earn more with optional ZET Plus
Details
Published benefits include 2% cashback on eligible ZET UPI payments with the paid ZET Plus subscription.
03
Instant savingsSave
Save across familiar brands
Details
ZET publishes discounts across food delivery, entertainment, shopping vouchers and other participating brands.
04
Ready soonerInstant
Get a virtual card quickly
Details
ZET describes virtual-card activation within about ten minutes after completing the digital journey.
Your credit limit
Example FD₹10,000
Published ratio90%
Example credit limit₹9,000
How the bank sets the final limit
The 90% credit-limit relationship is documented by DCB Bank. Offer discounts are excluded from estimated annual value. Final approval and the available limit remain with DCB Bank.
Calculate your card value
Credit limit₹9,000
From the published FD ratio
- FD interest a yearAt 7% a year, before tax
- ₹700
Rewards aren't added here, because a reward point has no published rupee value for this card.
The 90% credit-limit relationship is documented by DCB Bank. Offer discounts are excluded from estimated annual value.
How it works
- 01₹2,000+
Start with an FD
Your deposit keeps earning.
- 0290%
Unlock card limit
Your FD secures the card.
- 03Reuse
Repay. Get it back.
Paid limit becomes available again.
Issued by DCB Bank
Card partner ZET
Everything else
01Eligibility
- Indian resident meeting partner-bank KYC
- New fixed deposit booked in the ZET journey
- PAN and video KYC requirements
- Issuer allocation and final approval remain with ZET's partner bank
02Fees and charges
Minimum fixed deposit₹2,000
Joining fee₹0
Annual fee₹0
Credit limit90% of FD
ZET PlusOptional, ₹3 per day
FD interestUp to 7% p.a., as published
Interest-free period15 to 45 days, when the previous bill is paid in full
Interest after the free period3.5% a month (42% a year)
Physical cardFree once your total FD with DCB Bank is ₹5,000 or more
Late payment feeNil up to ₹100 due, ₹100 up to ₹1,000, ₹500 above
Card replacement₹249 + GST
Closure within 1 year₹499 + GST
Foreign currency transactions2.49%
GST, late-payment fees, exclusions, waivers and other issuer charges can apply. Read the current official documents before proceeding.
03Card closure and FD release
- 01
Clear the full card outstanding. Pay the billed and unbilled balance, linked EMIs, fees and any other amount due.
- 02
Ask for card closure. Use the issuing bank's current closure channel and keep the acknowledgement.
- 03
Wait for the lien to be released. Once the bank confirms closure and no dues, it can release the lien under its current process.
- 04
Know what happens on default. If dues remain unpaid, the bank may set off or liquidate the secured FD under the card and deposit terms.
Questions
Why is a fixed deposit required?
The deposit secures the credit line. This lets the issuer assess the application without relying only on salary documents or an existing credit history.
Does the fixed deposit keep earning interest?
Yes. It earns the applicable bank deposit rate while it remains under lien. It generally cannot be withdrawn while card dues or the lien remain.
How much do I need to deposit?
The published starting fixed deposit is ₹2,000. The issuer can set eligible amounts, tenure, and deposit conditions.
How is the credit limit decided?
The published limit basis is 90% of the FD value. Final sanction and limits remain with the issuer.
Can I pay through UPI?
Yes. The RuPay credit card can be used for eligible merchant UPI transactions through the supported ZET journey.
Is 2% UPI cashback included for everyone?
ZET states that the 2% UPI cashback requires an active ZET Plus subscription, currently published at ₹3 per day.
Currently listed as available