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CREDIT CARD

DCB Niyo Credit Card

DCB Bank

Savings-account-lien-backed credit card with a lifetime free fee structure, no credit score check or documentation, and zero forex markup.

Credit limit is 90% of the lien amount (₹5,000 minimum, ₹25 Lakh maximum). Needs an active DCB Niyo Savings account and full KYC; applied via the Niyo Global app.

DCB Niyo Credit Card
ANNUAL FEE
No annual fee
JOINING FEE
No joining fee
REWARDS
Not stated
Earning terms not yet recorded
KEY BENEFIT
Zero markup on foreign currency transactions, at the Visa exchange rate.
BEST FOR
Included: May suit those with an active DCB Niyo Savings account who want a card without credit score check or documentation.
Included: May suit foreign currency spends given zero forex markup.
Included: May suit those building a credit score using a lien on their savings balance.
Included: May suit those wanting a lifetime free card with no joining or annual fee.
Limitation: Those without a DCB Niyo Savings account or who want rewards may wish to compare other cards.
Limitation: Those without a DCB Niyo Savings account may wish to compare other cards.
Limitation: Those wanting to avoid a late payment charge of up to ₹500 a month may wish to compare other cards.
Limitation: Those seeking rewards or lounge benefits, none being stated on the page may wish to compare other cards.
Typical fit only. This is not personalised advice and not an indication of approval.
GOOD TO KNOW
Condition: Virtual card can be used from the day after application; the physical card arrives within 5 to 7 working days.
Condition: Finance charge is 36% per annum or 3% per month; ATM cash withdrawal costs 2.5% or ₹250, whichever is higher.

Rewards & real value

What the card earns, and what changes that figure in practice.
WHAT THE CARD EARNS
EVERYTHING ELSE
Not stated
No earning rate recorded for this card
REWARD POINT VALUE
Not stated
Effective return cannot be calculated without it

Eligibility

Minimum income
Not stated
Minimum age
18
Maximum age
75

Fees & ownership

Joining fee
No joining fee
Annual / renewal fee
No annual fee
Fee waived at
Not stated
Forex markup
0%
Finance charge
36% per month
Cash withdrawal fee
2.5% of the amount
Late-payment charge
Not stated
Interest-free period
Not stated

Benefits & privileges

TRAVEL
Domestic airport lounge
Not stated
International airport lounge
Not stated
Railway lounge
Not stated
Lounge spend requirement
Not stated
Lounge programme
Not stated
EVERYDAY
Fuel
Not stated
Dining
Not stated
RuPay / UPI
Not stated

Caps, exclusions and redemption

Major excluded categories
Not stated
Categories earning nothing
Not stated
Monthly reward cap
Not stated
Annual reward cap
Not stated
Reward point value
Not stated
Points expiry
Not stated
Redemption fee
Not stated
Minimum redemption
Not stated
Credited automatically
Not stated

Who this card may suit

MAY SUIT
Included: Zero markup on foreign currency transactions, at the Visa exchange rate.
Included: Secured by a lien on a DCB Savings Account; the lien can be changed any time and the Savings account keeps earning interest.
Included: No credit score check and no documentation; apply through the Niyo Global app.
Included: Virtual card is usable from the very next day of application.
MAY NOT SUIT
Not stated
Typical fit only, based on the card’s own published terms. This is not personalised advice and not an indication of approval.
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Figures last checked 31 Oct 2026 against the issuer’s published terms.