A unique Savings Account that provides you ease and convenience of UPI along with the joy of earning cashback on UPI transactions. Now earn cashback on all domestic UPI debit and credit transactions using the linked DCB Special Savings Account.
Get a complimentary DCB Special Savings Account Platinum Debit Card loaded with benefits and attractive brand offers along with higher transaction and withdrawal limits.
Earn cashback upto ₹16,500 on eligible UPI transactions in a FY
Access to Visa ATMs in India & Overseas.
Waiver of upto 50% on locker fee.
Waiver of upto 50% on loan processing fee.
Average Monthly Balance requirement of only ₹5,000*.
*Waived if average relationship of ₹5 lakh is maintained across all accounts in a month.
| Average account balance in a quarter | Min transaction amount for cashback eligibility | Maximum eligible UPI transactions per month | Cashback per transaction | Maximum cashback amount per month | Maximum cashback allowed in a Financial Year |
|---|---|---|---|---|---|
| ₹25,000 | ₹250 | 5 | ₹10 | ₹50 | ₹600 |
| ₹50,000 | 10 | ₹15 | ₹150 | ₹1,800 | |
| ₹1,00,000 | 15 | ₹20 | ₹300 | ₹3,600 | |
| ₹2,00,000 | 25 | ₹25 | ₹625 | ₹7,500 | |
| ₹3,00,000 | 25 | ₹35 | ₹875 | ₹10,500 | |
| ₹5,00,000 | 25 | ₹55 | ₹1,375 | ₹16,500 |
*Minimum Average Monthly Balance (AMB) to be maintained in DCB Special Savings Account is ₹5,000 and for cashback eligibility, the AQB to be maintained is ₹25,000.
*Cashback for a particular quarter will be credited to customer's account in the first month of the following quarter.
*DCB Special Savings Account is applicable only for Resident Indian Individuals.
*Terms & conditions apply. The Bank reserves the right to vary, amend or withdraw any of the features, offers or terms and conditions at any time without prior notice.
With effect from 06th March, 2026
| Balance Range (₹) | Interest Rate (% p.a.) |
|---|---|
| On balances up to 1 lakh | 1.50% |
| On balances above 1 lakh to less than 5 lakh | 2.25% |
| On balances from 5 lakh to less than 10 lakh | 3.75% |
| On balances from 10 lakh to less than 25 lakh | 5.75% |
| On balances from 25 lakh to less than 50 lakh | 6.85% |
| On balances from 50 lakh to less than 2 crore | 6.70% |
| On balances from 2 crore to less than 10 crore | 6.60% |
| On balances from 10 crore to less than 300 crore | 6.00% |
| On balances from 300 crore and above | 5.50% |
Important Terms and Conditions
*Interest will be calculated daily based on end of day clear balance in the account and will be paid quarterly.
*Rates mentioned are applicable for the incremental balances that are present corresponding to the amount slabs mentioned.
*These interest rates are applicable to resident, NRE and NRO savings accounts, and subject to change without prior notice.
*Additional interest to be charged on overdrawn amounts for Savings Bank Account and Current Accounts. The Bank will levy interest @ 2% per month (monthly basis) on overdrawn balances for the period any Savings or Current account remains overdrawn.
The minimum spends required per transaction is ₹500.
Yes, the maximum cashback amount is ₹625 a month and ₹7,500 in a financial year. Please refer to the cashback rewards table for details.
Cashback for a particular quarter will be credited to the customer’s account in the first month of the following quarter.
It is valid only on valid, genuine and regulatory accepted domestic transactions done on the UPI platform. The transactions are subject to checks at the Bank before pay-out.
The transaction will not be considered for cashback.
The Bank reserves the right to withdraw and or amend the cashback benefit at its sole discretion.
You have various ways to access the DCB Special Savings account, such as: