DCCHG stands for Decline Charges, which is a common term used in the finance industry to refer to transactions that have been declined by a bank or financial institution. Decline charges can happen for various reasons, such as insufficient funds, incorrect payment details, or suspected fraudulent activity. In Bank of Baroda, DCCHG or dcard fees refer to the debit card maintenance charge for one year. The charges for a normal ATM card are 177 rupees, while for a platinum card or other premium card, it is 295 rupees.