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REWARD POINTS CARD

DCB Novio Credit Card

DCB Bank

FD-secured RuPay card with a limit up to 90% of the FD value and no joining or annual fee. Offers up to 10% novioCoins on UPI transactions and up to 4 lounge visits a year on the Select variant.

Lounge access needs an FD of ₹25,000 (Select variant). Cash withdrawal costs 2.5% or ₹299, whichever is higher, plus 36% p.a. interest from the withdrawal date. Foreign currency markup is 2.5%.

DCB Novio Credit Card
ANNUAL FEE
No annual fee
JOINING FEE
No joining fee
REWARDS
Not stated
Earning terms not yet recorded
KEY BENEFIT
Up to 10% novioCoins on UPI transactions, redeemable for discounts on brands such as Amazon, Flipkart and Domino’s
BEST FOR
Included: May suit applicants with a DCB Fixed Deposit from ₹2,000 who want a card without income proof or credit history.
Included: May suit people building a credit history through a Fixed Deposit-backed card.
Included: May suit UPI-heavy spenders who want novioCoins on UPI payments.
Included: May suit those with an FD of ₹25,000 or more who want up to 4 lounge visits a year on the Select variant.
Limitation: Cash withdrawals attract 2.5% or ₹299 (whichever is higher) plus interest from the may wish to compare other cards.
Limitation: Those frequent ATM cash users, given the 2.5% or ₹299 fee plus 36% p.a may wish to compare other cards.
Limitation: Those wanting lounge access with an FD below ₹25,000 may wish to compare other cards.
Limitation: Those wanting a fully stated reward rate may wish to compare other cards.
Typical fit only. This is not personalised advice and not an indication of approval.
GOOD TO KNOW
Condition: Welcome benefits worth ₹5,000 are a combination of discounts, vouchers and promotional benefits, subject to terms and conditions.
Condition: An FD of ₹2,000 to ₹9,999 gets a virtual card only (physical on request, issuance fee + GST); the Select variant applies from FD of ₹25,000.

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
2.5%
Finance charge
3% 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 — Up to 4 visits a year (1 per quarter) on Select variant; min FD ₹25,000
International airport lounge
Not stated
Railway lounge
Not stated
Lounge spend requirement
Not stated
Lounge programme
Not stated
EVERYDAY
Fuel
1% up to ₹100 per statement cycle on fuel transactions up to ₹5,000
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: Up to 10% novioCoins on UPI transactions, redeemable for discounts on brands such as Amazon, Flipkart and Domino’s
Included: Fixed Deposit secured RuPay card with a limit up to 90% of FD value; no credit history or income proof required
Included: Monthly instant discounts on Amazon, BookMyShow, Zepto and Swiggy (T&Cs apply)
Included: novioCoins can be redeemed for discounts on brands such as Amazon, Flipkart and Domino’s via the novio Mobile App
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.