DCCHG stands for Decline Charges, which refers to transactions that have been declined by a bank or financial institution for various reasons. However, in the context of Bank of Baroda, DCCHG or dcard fees refer to the annual maintenance charge for debit cards. The charges for a normal ATM card are Rs. 236, while for a platinum card or other premium card, the charges are Rs. 354. These charges are excluded from GST, but there is an additional annual maintenance fee of Rs. 200 for the different cards offered by Bank of Baroda, which is subject to GST.