DCB Niyo Credit Card

Not rated yet - COFFER rates a card only after reading every document the bank publishes for it. How we rate

Open to new applications · Earns points

First-year fee

₹0

NIL

Annual fee

₹0

NIL

Read from 3 DCB Bank documents, last checked 19 Oct 2026.

How it compares

Compared with the cards we have read

No annual fee: one of 78 cards that state none, out of the 274 open cards whose annual fee we have read.

No forex markup: one of 29 cards that state none, out of the 292 open cards whose forex markup we have read.

Fees

Charges

Forex markup
0%
Cash advance fee
2.5% of the transaction value or ₹250, whichever is higher.
Cash advance interest
Interest on cash advance: 36% per annum or 3% per month.
Interest on unpaid balance
36% per annum or 3% per month.
Interest-free period
Interest free credit period could range from 15 to 45 days
Late payment fee
NIL to ₹500
Statement or duplicate statement fee
No charge for e-statement. ₹50 per page for duplicate physical statement.
Card replacement fee
Reissue of lost or stolen card: ₹250. Replacement of damaged card: ₹250.
GST note
All charges exclude GST. GST is applicable on all fees, interest and other charges

Eligibility

Minimum age
18 to 75 years
Documents required
No credit score check and no documentation. PAN details updated and full KYC completed.
Residency
Resident individuals having an active DCB Niyo Savings account.

How we know - 3 documents from DCB Bank, checked 19 Oct 2026

3 documents from DCB Bank, checked 19 Oct 2026.

On these lists

₹0 for life

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