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DCB Niyo Credit Card

DCB Bank

Annual / renewal fee

₹0 (Nil) annual fee (from 13th month of card statement cycle).

VerifiedMITC – DCB Niyo Global Credit Card Multilingual Consolidated (May 2026)2 Aug 2026, 10:50 PM ISTDCB Bank

Earn rate

Confirm on the official page

Official source not yet captured

View on official site →

This is the issuer's own page for this card. We earn nothing from this link.

You'll land on the issuer's official application portal at dcb.bank.in — if a different card is shown first, use its card selector to pick this one.

Source-traced to issuer Verified 2026-08-02
View on official site →

This is the issuer's own page for this card. We earn nothing from this link.

You'll land on the issuer's official application portal at dcb.bank.in — if a different card is shown first, use its card selector to pick this one.

Overview

DCB Niyo Credit Card by DCB Bank. Facts on this page are extracted and verified automatically from official issuer documents.

Fees

Joining fee

₹0 (Nil) joining fee.

VerifiedMITC – DCB Niyo Global Credit Card Multilingual Consolidated (May 2026)2 Aug 2026, 10:50 PM ISTDCB Bank

Annual / renewal fee

₹0 (Nil) annual fee (from 13th month of card statement cycle).

VerifiedMITC – DCB Niyo Global Credit Card Multilingual Consolidated (May 2026)2 Aug 2026, 10:50 PM ISTDCB Bank

Fee waiver

  • Annual fee is Nil.
  • Minimum spend for waiver of annual fee is Not Applicable (annual fee is already Nil).

VerifiedMITC – DCB Niyo Global Credit Card Multilingual Consolidated (May 2026)2 Aug 2026, 10:50 PM ISTDCB Bank

Rewards

Not published in the official documents on file — see the official T&C link below.

Travel & lounge

Lounge access

Confirm on the official page

Official source not yet captured

Travel benefit

DCB Niyo Secured Credit Card combines secure banking with travel benefits, offering zero forex markup and a convenient way to manage global expenses.

VerifiedDCB Niyo Credit Card product page2 Aug 2026, 10:50 PM ISTDCB Bank

Dining, golf, concierge, insurance, milestones & welcome

Welcome benefit

Confirm on the official page

Official source not yet captured

Eligibility

Eligibility

  • Credit limit is 90% of the lien amount against your DCB Niyo Savings account.
  • Cash withdrawal limit: 50% of the credit limit or ₹1,00,000 whichever is lower (daily cash withdrawal limit set at ₹1 lakh).

VerifiedKey Fact Statement (KFS) – DCB Niyo Credit Card (April 2026)2 Aug 2026, 10:50 PM ISTDCB Bank

Charges & interest

Forex markup

Foreign currency mark-up: NIL cross currency markup on transaction value (Visa Card network exchange rates apply).

VerifiedMITC – DCB Niyo Global Credit Card Multilingual Consolidated (May 2026)2 Aug 2026, 10:50 PM ISTDCB Bank

Charge

  • Finance charge / overdue payment charge on all transactions (merchant establishments and balance transfer): 36% per annum or 3% per month.
  • ATM cash withdrawal fee: 2.5% of transaction value or ₹250, whichever is higher.
  • Interest on Cash Advances: 36% per annum or 3% per month.
  • Late payment charges (per month): outstanding balance up to ₹100 - NIL.
  • Greater than ₹100 up to ₹1,000 - ₹100.
  • Greater than ₹1,000 - ₹500.
  • Statement request: no charge for e-statement, ₹50 per page for duplicate physical statement.
  • Reissue of lost or stolen card: ₹250.
  • Replacement of damaged card: ₹250.
  • Foreign Currency Mark-up: NIL (Visa Card network exchange rates apply).
  • DCB Niyo Global Credit Card closure: NIL.
  • GST applicable on all fees, interest and other charges.

VerifiedKey Fact Statement (KFS) – DCB Niyo Credit Card (April 2026)2 Aug 2026, 10:50 PM ISTDCB Bank

Interest-free period

  • Interest free (grace) period ranges from 15 to 45 days, subject to submission of claims by the merchant.
  • Not applicable if previous month's balance is not cleared in full or if cash was withdrawn from any ATM.

VerifiedKey Fact Statement (KFS) – DCB Niyo Credit Card (April 2026)2 Aug 2026, 10:50 PM ISTDCB Bank

Transfers

Not published in the official documents on file — see the official T&C link below.

Common questions

What is the annual fee on the DCB Niyo Credit Card?

Officially traced: Rs. 0 (Nil) annual fee (from 13th month of card statement cycle).

MITC – DCB Niyo Global Credit Card Multilingual Consolidated (May 2026)

What is the joining fee on the DCB Niyo Credit Card?

Officially traced: Rs. 0 (Nil) joining fee.

MITC – DCB Niyo Global Credit Card Multilingual Consolidated (May 2026)

Is the DCB Niyo Credit Card annual fee ever waived?

Annual fee is Nil.

MITC – DCB Niyo Global Credit Card Multilingual Consolidated (May 2026)

What are the transfer ratios for DCB Niyo Credit Card points?

Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.

What is one point on the DCB Niyo Credit Card worth?

Point value varies by award, route and partner programme, so this page does not publish a rupees-per-point figure.

Other verified details

Not published in the official documents on file — see the official T&C link below.

Official documents & verification

Official issuer pageMITC – DCB Niyo Global Credit Card Multilingual Consolidated (May 2026)Key Fact Statement (KFS) – DCB Niyo Credit Card (April 2026)

Official terms

https://www.dcb.bank.in/personal/cards/secured-card/dcb-niyo-credit-card.

VerifiedDCB Niyo Credit Card product page2 Aug 2026, 10:50 PM ISTDCB Bank

Verified 2026-08-02 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.

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