DCB Bank LimitedRuPay Network

Verified

Direct Bank Application via Official Issuer Portal

Rewards Lifetime Free UPI / RuPay Low Annual Fee Entry Level Secured / FD Backed

2026 Edition

DCB novio Go Credit Card

Lifetime-Free Secured RuPay Platinum Card with Up to 10% novio Coins on UPI

Best Suited For

Credit building, new-to-credit customers, and daily UPI payments via novio app with zero annual fees.

Rewards Lifetime Free UPI / RuPay Low Annual Fee

Joining Fee

Free

One-time upfront

Annual Fee

Free

Lifetime Free — no renewal fee

Base Rewards

Up to 10% novio Coins on merchant UPI spends via novio UPI

On eligible spends

Forex Markup

2.50% + GST

Cross-currency spends

Apply Now Compare Card Official Terms

Last verified 25 Oct 2026

Why Consider This Card?

Objective editorial assessment, ideal spender profile, and primary trade-offs

Editorial Verdict

The DCB novio Go Credit Card is an accessible entry-level secured card for credit building. Because it requires only an FD and KYC verification, approval is assured without income proof or CIBIL history. The 10% return in novio Coins is rewarding for merchant UPI payments inside the novio app ecosystem; however, novio Coins have no fixed INR monetary value and can only be redeemed for brand vouchers (some requiring partial cash payment). Note that the Go / Platinum variant does not provide airport lounge access.

Ideal For:Credit building, new-to-credit customers, and daily UPI payments via novio app with zero annual fees.

Rewards Lifetime Free UPI / RuPay

Additional Cardholder Privileges

Welcome

Up to ₹5,000 voucher package

Welcome Benefits Worth Up to ₹5,000

Activate your card, make at least one transaction, and spend a cumulative ₹2,500 within the first 30 days of card issuance to unlock brand e-vouchers across Amazon, Swiggy, Zepto, and BookMyShow inside the novio app. Vouchers expire 90 days from issuance and cannot be exchanged for cash.

Fuel

1% waiver up to ₹100/cycle

1% Fuel Surcharge Waiver

Enjoy 1% surcharge waiver across all petrol pumps in India on fuel transactions up to ₹5,000. Maximum waiver capped at ₹100 per billing cycle.

Other

Up to 7.00% p.a. FD interest

High-Yield DCB Fixed Deposit

Your deposit is securely held with DCB Bank Limited (RBI-regulated scheduled commercial bank) and earns guaranteed interest up to 7.00% p.a. while providing credit collateral for a 90% credit limit.

Rewards & Cashback Structure

Base earning rates, partner merchant acceleration, redemption options, and exclusions

Reward Program Name: novio Coins
Reward Currency: novio Coins
Base Earn Rate: Up to 10% novio Coins on merchant UPI spends via novio UPI
Point Value (INR): Variable based on redemption channel
Redemption Channels: Refer to bank rewards portal
Reward Point Expiry: Spend-based coins have no expiration date unless communicated. Promotional campaign coins carry specific validity periods visible in app.

Category Accelerated Earn RatesPublished Terms

Spend Category	Earn Rate	Reward Cap	Conditions
UPI Merchant Payments via novio UPI	10% novio Coins (5% card earn + 5% novio UPI earn) on merchant P2M payments	500 Other Points / per transaction	Excludes rent, wallet, gambling, gaming, utilities, government, education, insurance, and quasi-cash. Max 500 coins/day.
General Card Purchases	5% novio Coins on standard card spends	No Cap	Excludes rent, wallet loading, online gaming, gambling, fuel, and cash withdrawals per DCB MITC.

Explore top credit cards and rewards across top verified merchant brands.Browse Merchant Hubs

Estimate Your Custom Monthly Rewards

Calculate estimated net cashback and points across your actual spending pattern.

Open Rewards Calculator

Reward Exclusions: Fuel transactions, wallet loading, cash withdrawals, rent payments, educational payments, and government services are generally excluded from base and accelerated reward point accrual across all Indian card issuers.

Reward Calculator

Estimate Your Annual Rewards

Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.

Verified Rates & Caps

Quick Select:

Total Monthly Spend:₹30,000 / month

₹5,000 / mo₹1 lakh / mo₹2 lakh / mo

Category Spend Allocation

Customize monthly spend in each category. Category amounts sum directly to your monthly spend.

Assumed spend distribution

UPI Merchant Payments via novio UPI10.00%

Cap: ₹500/per_transaction

₹

General Card Purchases5.00%

No published cap

₹

Excluded / Non-Reward Spends0%

Fuel, rent, wallet, govt, cash

₹

Category / Reward Bucket	Monthly Spend	Rate	Effective Rate	Cap Period	Eligible Reward	Cap Status
UPI Merchant Payments via novio UPI	₹12,000	10% novio Coins (5% card earn + 5% novio UPI earn) on merchant P2M payments	—	₹500/per_transaction	Calculating...	Under cap
General Card Purchases	₹18,000	5% novio Coins on standard card spends	—	None	Calculating...	Under cap
Total Monthly Cashback	₹30,000	-	—	-	₹0 / mo	Zero cap loss

Annual Spends

₹3.6 lakh

12 billing cycles

Annual Capped Rewards

₹0

0% blended return

Effective Fee

₹0

Standard renewal

Net Annual Value

+₹0 / yr

Rewards - Fee

*Calculation based on verified card reward rates, applicable monthly caps, and fee-waiver thresholds (fee waived).

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Airport Lounge Access

Domestic and international lounge privileges, spend hurdles, and participating terminals

No Airport Lounge Access Included

This card is tailored primarily for shopping rewards, cashback, or specific co-branded spend and does not include complimentary airport lounge visits.

Fees & Charges

Complete breakdown of joining, renewal, forex, financing APR, and transaction charges

1. Card Membership Fees

Joining Fee (1st Year): Free
Annual / Renewal Fee (2nd Year Onwards): Free
Annual Spend Fee Waiver: Lifetime Free — no renewal fee
Fee Terms Notes: Verified Lifetime Free. Early closure fee within first year is ₹599 + GST. Card replacement/reissue is ₹250 + GST. 1% fuel surcharge waiver up to ₹100 per statement cycle.

2. International Spends

Foreign Currency Markup (Forex): 2.50% + GST
Dynamic Currency Conversion (DCC): Standard 1% mark-up on cross-currency INR transactions where applicable

3. Borrowing & Financing

Monthly Interest Rate (Finance Charges): 3.00% per month
Annualized Interest Rate (APR): 36.00% p.a.
Cash Advance / ATM Withdrawal Fee: Refer to official schedule of charges
Interest-Free Period: Up to 50 Days

4. Other Charges & Taxes

Late Payment Charges: Outstanding ≤ ₹100: NIL; ₹101 to ₹1,000: ₹100; > ₹1,000: ₹500 (plus applicable GST)
Fuel Surcharge Waiver: 1% fuel surcharge waiver up to ₹100 per statement cycle.

Regulatory Tax Notice: Goods and Services Tax (GST) of 18% is applicable on all card fees, interest charges, and milestone fees as mandated by the Government of India.

Verified Terms & Exclusions Summary

• Joining & Annual Fee: ₹0 (Lifetime Free / VERIFIED_LTF) • Legal Variant: DCB novio Credit Card (RuPay Platinum) • Minimum Fixed Deposit: ₹2,000 (DCB base disclosure; novio live app starts at ₹2,500) • Credit Limit: 90% of linked DCB Fixed Deposit • Cash Advance Limit: 50% of credit limit OR ₹1,00,000 (whichever is lower) • Free Physical Card Threshold: Cumulative FD ≥ ₹10,000 (Instant virtual card provided below ₹10,000) • Fixed Deposit Interest: Earns up to 7.00% p.a. bank interest (separate from credit card rewards) • Rewards Currency: novio Coins (Explicitly non-monetary, no fixed INR cash value, redeemed for brand vouchers) • UPI Reward Earn: 5% card earn + 5% novio UPI earn = 10% novio Coins on merchant P2M payments • Daily Coin Cap: 500 novio Coins/day on P2M; 100 coins/day on P2P • Excluded MCCs: Rent, wallet loading, gaming, gambling, utilities, government, education, insurance, and quasi-cash • Fuel Reward Status: SOURCE_CONFLICT (DCB MITC excludes fuel from baseline card rewards, while novio marketing advertises 10% novio Coins) • Fuel Surcharge Waiver: 1% waiver up to ₹100 per statement cycle on fuel spends up to ₹5,000 • Foreign Currency Markup: 2.50% + GST (Not a zero-forex card) • Finance Charges (APR): 3% per month (36% annualized) • Interest-Free Period: 15–45 days • Late Payment Fees: Outstanding ≤ ₹100: NIL; ₹101 to ₹1,000: ₹100; > ₹1,000: ₹500 (+ GST) • Early Closure Fee: ₹599 + GST if closed within first year • Card Reissue/Replacement: ₹250 + GST • Airport Lounge Access: NONE (Platinum variant has zero domestic and international lounge visits) • Welcome Benefit: Curated brand vouchers worth up to ₹5,000 upon activation, 1 transaction, and ₹2,500 spend within first 30 days

Is the Annual Fee Worth It?

Evaluate whether this card's perks and waiver threshold justify its Free renewal fee.

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Eligibility & Application Requirements

Income criteria, minimum age, CIBIL score benchmark, and verification checklist

Age Requirement: 18 – 65 years
Employment Status: all
Recommended Credit Score (CIBIL): 300+ (Official benchmark)
Residency: Resident Indian
Special Eligibility Notes: No income proof or previous credit history required. Approval is secured by linked DCB Fixed Deposit, subject to standard KYC and regulatory verification.

Mandatory Verification Documents

1. Identity ProofPAN Card (Mandatory), Aadhaar Card, Passport, or Voter ID.

2. Address ProofAadhaar (DigiLocker), Utility Bill (Electricity/Piped Gas), or Rental Agreement.

3. Income ProofLatest 3 months salary slips, Form 16, or latest 2 years ITR computation.

Frequently Asked Questions

Common questions regarding DCB novio Go Credit Card application, fees, reward redemption, and eligibility

What is the joining and annual renewal fee for DCB novio Go Credit Card?

The joining fee for DCB novio Go Credit Card is Free (one-time), and the annual renewal fee is Free from the second year onwards. GST of 18% is applicable on all fee charges.

Can the annual fee on DCB novio Go Credit Card be waived?

DCB novio Go Credit Card is a Lifetime Free credit card with no annual renewal fee, so no spend-based waiver is required.

What are the primary rewards and cashback earn rates on DCB novio Go Credit Card?

DCB novio Go Credit Card offers Up to 10% novio Coins on merchant UPI spends via novio UPI. Cardholders also enjoy accelerated reward rates on partner merchants and selected digital spend categories.

Does DCB novio Go Credit Card offer complimentary airport lounge access?

No, DCB novio Go Credit Card is designed for daily retail, cashback, or UPI spend and does not currently include complimentary airport lounge visits.

What is the minimum eligibility criteria and CIBIL score required for DCB novio Go Credit Card?

Key eligibility criteria for DCB novio Go Credit Card include age between 18 and 65 years, a recommended CIBIL score of 300+, employment as all, residency status of Resident Indian. Approvals remain subject to card issuer verification and underwriting policies.

How do I apply for DCB novio Go Credit Card online?

You can apply directly through the official DCB Bank Limited portal by clicking the Apply button on this page. Complete the paperless digital application, submit your Aadhaar and PAN details, and complete video KYC for quick dispatch.