DCB Niyo Credit Card

DCB Bank · Lifetime free

A lifetime free Visa card backed by your DCB savings balance, with no forex markup.

What the bank says

• Lifetime free: no joining, annual or issuance fee
• Zero markup on foreign currency transactions
• Credit limit is 90% of the amount you mark as a lien on a DCB savings account
• No credit score or paperwork needed

Things that catch people out

• It is a secured card, backed by a fixed deposit or savings balance with DCB Bank.
• Its rewards are discounts and coins with no stated rupee value, so we do not rank it.

Joining fee: ₹0. Foreign currency markup: 0%.

Read from DCB Bank’s own page on 2026-09-30.

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