DCB novio 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

What it gives back

Up to 10% novio Coin Rewards on UPI transactions

Read from 3 DCB Bank documents, last checked 13 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.

2.5% forex markup: of the 291 other open cards whose forex markup we have read, 64 state a lower one, 7 state the same and 220 state a higher one.

Fees

Welcome offer

Rewards

Reward rate
Up to 10% novio Coin Rewards on UPI transactions
Reward exclusions
Transactions done for rent payment, wallet loading, online gaming, gambling, fuel, and cash withdrawal will not be considered to calculate the reward.

Card benefits

Domestic lounge access
Select Variant: 1 per Quarter.
Milestone benefits
Rewards will be given in the first month of the next Quarter on achieving the spend based milestone.

Also included

Fuel surcharge waiver
1% surcharge waiver up to ₹100 per statement cycle (will be applicable on fuel transactions value up to ₹5,000)
Insurance benefit
DCB novio Select Credit Card and DCB Novio Platinum Card variants have complimentary insurance cover on the Card. The policy coverage starts from the date of the credit card activation.
Lost card liability
Zero lost card purchase liability.

Charges

Forex markup
2.5% on foreign currency transactions.
Cash advance fee
2.5% of the transaction value or ₹299, whichever is higher.
Cash withdrawal limit
50% of the credit limit or ₹1,00,000, whichever is lower.
Interest on unpaid balance
3% per month (or 36% annualised per year)
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.
Charge for lounge visits beyond the free limit
Beyond the eligible limit, charged as per the regular access rates (plus applicable taxes) prescribed by the lounge
GST note
GST is applicable on all fees, interest and other charges
Minimum amount due
The minimum amount due covers all your installments, interest/ other charges and at least 5% of your principal

Eligibility

In the terms, not the brochure

Whether carrying a balance ends the interest-free period
No interest free period if the previous month's balance is not paid in full, including on the new purchases. If a part payment is made, there would be no interest free period and interest charges would be applicable, including on fresh purchases
What must be paid with the card for the cover to apply
Inactive cards and cards that are overdue for payment will not qualify for complimentary insurance covers. The cover is for the primary cardholder and will be given only if the nomination details are updated

3 documents from DCB Bank, checked 13 Oct 2026.

On these lists

₹0 for life

Apply