DCB Novio Credit Card
74/100
·
FREE
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CARD HOLDER
YOUR NAME
EXPIRES
••/••
DCB Bank
DCB Novio Credit Card
RuPay
LIFETIME FREE
Secured Credit Card (FD-Backed)
RUPAY
DCB Novio Credit Card
by DCB Bank · Data verified 4 days ago
DCB Novio Credit Card issued by DCB Bank in partnership with Novio (novio.in).
74
Score
Based on rewards, fees, benefits & eligibility
FREE
Fee
Waiver available on spending
0
Reward Pts
Base earn rate (per transaction slab)
0.00%
Cashback
On eligible transactions
0 RP Earn
base reward rate
4 per year Lounges
complimentary
Lifetime FREE
waiver available
74/100
CardSahayak rating
Reward Calculator
How Much Can You Earn?
Calculate your potential rewards with this card
₹
/month
₹10,000
₹5,00,000
Your Annual Benefits
Reward Points
pts
₹
Net Annual Value
You save per year!
What's Great
- 100% Lifetime Free secured credit card against DCB Fixed Deposit
- Up to 4 domestic and 4 international airport lounge visits per year
- No credit score or income proof required — guaranteed approval
- Earn regular FD interest while spending on your credit line
Things to Consider
- Requires mandatory DCB Fixed Deposit lock-in (min ₹25,000)
- Standard 3.5% foreign transaction fee
Perfect For
Active users of Novio (novio.in) and digital shoppers
About This Card
DCB Novio Credit Card is a next-generation co-branded card offering tailored benefits on Novio (novio.in) and nationwide merchant networks.
Annual Fee
FREE
Joining Fee
FREE
Lifetime Free
Other Charges
Interest Rate (APR)
Monthly on outstanding balance
3.00% - 3.00%
Foreign Transaction Fee
Markup on international txns
3.50%
Fuel Surcharge Waiver
Save on fuel transactions
Up to ₹200/mo
Interest-Free Period
On new purchases if paid in full
50
Cash Advance Fee
Fee for cash withdrawal from ATM
2.5% of amount (min ₹300) + GST
Late Payment Fee
Charged if minimum due not paid on time
Outstanding Due
Penalty
≤₹100
Nil
₹101-₹500
₹100
₹501-₹5,000
₹500
>₹5,000
₹750
0
Reward Pts
₹1.00
Point Value
0.00%
Cashback
Reward Earning by Category
| Category | Reward Rate | Details |
|---|---|---|
| Online E-commerce Spends | 4X | |
| General Retail Spends | 1X |
Point Value: 1 point = ₹1.00
Domestic Lounges
4 per year
Int'l Lounges
4 per year
Fuel Savings
₹200/mo
Movies
- •Buy One Get One Free movie ticket savings up to ₹250 per month via District app
Shopping
- •100% guaranteed approval against DCB Bank Fixed Deposit starting from ₹2,000 up to ₹10 Lakhs
- •Credit limit up to 90% of the FD amount; physical card dispatched upon cumulative FD reaching ₹10,000
- •Underlying DCB Bank Fixed Deposit earns attractive interest of up to 7% p.a.
- •Earn up to 10% novio Coins on UPI transactions and card purchases, redeemable for top brand gift vouchers
- •Rare lounge perk for secured cards: 4 complimentary domestic & international lounge visits for FD >= ₹25,000
- •BookMyShow Buy-1-Get-1 (BOGO) movie ticket discounts and instant savings on Zepto and Swiggy
- •1% fuel surcharge waiver on transactions between ₹400 and ₹5,000
Travel
- •4 complimentary domestic airport lounge visits per year
Partner Benefits
- •Exclusive co-branded rewards and deals on Novio (novio.in) platform
EMI Options
- •Flexible EMI conversion available for retail purchases over ₹2,000
Card Features
Contactless
✓ Yes
Virtual Card
✗ No
International
✓ Yes
Material
Plastic
74
out of 100
CardSahayak Score
"Apply Now" takes you to DCB Bank's official website.
Eligibility
Salaried
₹25,000/mo
Self-Employed
₹30,000/mo
Age
18-75 yrs
CIBIL
720+
Employment
Salaried / Self-Employed
Card Variant
Retail Secured
Scores
Rewards
8/100
Fees
98/100
Benefits
38/100
Access
84/100
1 Active Offer
Deals & Offers
Exclusive offers available on DCB Novio Credit Card
RuPay Network Offers
Experience seamless UPI payments with instant 20% savings on food orders and movie tickets with RuPay credit card linkage.
20
Till 31 Dec 2026
RUPAY20
dining
Discount
Flat 20% instant discount
Min Spend
₹299
Max Savings
₹100
Valid Until
31 Dec 2026
How to Avail
Link this RuPay credit card to your favorite UPI app and enter RUPAY20 at checkout.
Terms & Conditions
Valid on UPI transactions done via RuPay credit cards on partner merchant platforms.
Use Code:
RUPAY20
Visit Offer
❓ FAQ
Frequently Asked Questions
Everything you need to know about DCB Novio Credit Card
To be eligible, you need:
- • Min age: 18 years
- • Salaried: ₹25,000/month min
- • Self-employed: ₹30,000/month min
- • CIBIL: 720+ recommended
DCB Novio Credit Card comes with zero annual fee — completely free for life!
You earn 0 reward points per eligible transaction. Each point is worth approximately ₹1.00.
Redeem for flights, hotels, vouchers via DCB Bank rewards portal.
Yes! Complimentary lounge access:
- ✓ Domestic: 4 per year
- ✓ International: 4 per year
- → Up to 4 complimentary domestic and international airport lounge visits per year.
- → Exclusive benefit unlocked for cardholders maintaining a DCB Bank Fixed Deposit of ₹25,000 and above.
- • Instant: Pre-approved DCB Bank customers
- • 24-48 hrs: New customers with documents
- • Delivery: 7-10 working days
Ready to Get Started?
Apply for DCB Novio Credit Card today and unlock amazing rewards and premium experiences.
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