Dcb bank scc discussion

[Azurean]

I recently got a DCB credit card where, to get a limit of ₹5,000, I need to keep a lien of ₹5,500 — meaning 90% of the lien amount becomes my card limit.

Now, suppose I have to make payments totaling ₹25,000. That would require me to keep a lien amount of roughly ₹27,800 to get that limit.

My question is:
After completing those payments, can I withdraw around ₹22,300 (reducing the lien to ₹5,500, which is the minimum required to keep the card active) and then add some extra funds to that withdrawn amount to pay off my credit card bill?

Or does the bank not allow reducing the lien until the outstanding credit card bill is fully paid?

Would really appreciate it if anyone familiar with the DCB secured credit card could clarify how this works in practice.

[saraswathi.r]

Hey @Azurean

Thanks for reaching out and sharing your detailed query.

As of now, the bank doesn’t allow reducing the lien amount until the outstanding credit card bill is fully paid. This ensures smooth repayment and account security. However, we’re happy to share that this feature is expected to be rolled out soon — along with several other exciting enhancements to make your experience even better!

Stay tuned for updates!