DCB novio Credit Card: key details
People who want a secured credit card and a simpler path to starting credit history. Compare the fee, reward structure, caps, exclusions and eligibility before applying.
Joining fee₹0
Annual fee₹0
Fee waiverLifetime free structure stated in current KFS
Reward typeRewards / card benefits
Base rewardSee current DCB Novio terms
Accelerated rewardSee current DCB terms
Caps / exclusionsCheck current KFS and product terms
AgeIssuer criteria
IncomeFD-backed eligibility
FD requirement₹10,000 cumulative FD for free physical card eligibility stated in KFS
Why someone might consider it
- No joining fee in current KFS
- No annual fee in current KFS
- FD-backed option
Things to check before applying
Late-payment and cash-withdrawal charges can apply; read the KFS before applying.
Official source
DCB Bank official Key Fact Statement ↗
Frequently asked questions
Who may consider the DCB novio Credit Card?
People who want a secured credit card and a simpler path to starting credit history.
What are the fees for the DCB novio Credit Card?
Joining fee: ₹0. Annual fee: ₹0. Lifetime free structure stated in current KFS
How does the DCB novio Credit Card reward spending?
Secured-card proposition focused on access and credit-building rather than premium rewards.
What should I check before applying for the DCB novio Credit Card?
Late-payment and cash-withdrawal charges can apply; read the KFS before applying.
Where can I verify the latest DCB novio Credit Card terms?
Use the official issuer source linked on this page. CardClue's data review date is 2026-10-02.