DCB novio Credit Card

DCB Bank · Lifetime free

A lifetime free RuPay card backed by a fixed deposit, which works on UPI and includes lounge visits.

What the bank says

• Lifetime free: no joining fee and no annual charge
• Credit limit is 90% of your DCB fixed deposit
• Up to 4 complimentary airport lounge visits a year, from an FD of ₹25,000
• Up to 10% in novio Coins on UPI transactions
• Works on UPI through the novio app, PhonePe and Google Pay

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.
• The page does not say whether the lounge visits are domestic or international.

Joining fee: ₹0. Foreign currency markup: 2.5%.

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

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