DCB novio Credit Card
DCB Bank · Open to apply
A RuPay credit card from DCB Bank and Credilio's novio app, issued against a fixed deposit (a free physical card needs FDs of ₹10,000), with no joining or annual fee and a 1% fuel surcharge waiver. The Select variant has one domestic lounge visit a quarter. The novio rewards are set in the novio app and not in DCB's documents.
- Annual fee
- Lifetime free
- Joining fee
- None
- Base rate
- No reward rate stated by DCB: 0% cashback (about 0% at cash value)
- Lounges
- Domestic: 1 visit a calendar quarter
- Forex markup
- 2.5%
- Data
- From bank documents, checked 6 Nov 2026
Earns nothing on
- No reward rate stated by DCB
Terms the calculator does not value
- The novio rewards (rates, the quarterly spend milestone, how they are redeemed) are governed by the novio app's terms and are not in DCB's documents; the SBM novio card pays 5 novio Coins per ₹100 under the same programme but DCB's rate is not confirmed.
- DCB's product page lists, beyond the MITC, "up to 10% novio Coin Rewards on UPI transactions", "welcome benefits worth ₹5,000" and "monthly instant discounts" on Amazon, BookMyShow, Zepto and Swiggy, with no rates, conditions or novioCoin value. Terms sit in the novio app; not entered.
Sources
- DCB novio Credit Card Key Fact Statement (April 2026, v1.1) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- MITC for DCB novio Credit Card (April 2026, v1.1) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- DCB novio Credit Card page (Product page, the bank's own, read 6 Nov 2026)