CREDIT CARD ISSUER

DCB Bank Limited Credit Cards

Q: How do I apply for a DCB Bank Limited credit card online?

You can apply directly through CardRecommend by clicking 'Apply Online' on your chosen DCB Bank Limited card. You will be redirected securely to DCB Bank Limited's official digital application portal to complete KYC and application verification.

Q: What are the eligibility and credit score requirements for DCB Bank Limited credit cards?

Eligibility criteria and credit score requirements vary by individual card. While entry-level or secured credit cards may be accessible with newer credit histories, premium cards typically require higher income and an established credit profile. Review each individual card's details for exact criteria.

Q: Can I get an annual fee waiver on DCB Bank Limited credit cards?

Many DCB Bank Limited credit cards offer a full annual renewal fee waiver if you achieve the specified annual spend milestone. Spend requirements and waiver terms vary by card; check the specific card fees for exact spend thresholds.

Q: Do DCB Bank Limited credit cards support RuPay UPI payments?

Yes, DCB Bank Limited issues dedicated RuPay credit cards that can be linked to UPI apps (such as Google Pay, PhonePe, and Paytm) for seamless merchant QR scan-and-pay transactions. Look for the RuPay network badge on individual cards in the portfolio.

DCB Bank Limited is a new generation scheduled commercial bank in India with modern digital banking services, offering retail deposits, micro-business loans, SME financing, and innovative co-branded secured credit cards.

Official Portal Support Compare vs Rivals

Total Offerings

2 Active Cards

Fee Range

₹0 (LTF)

Payment Networks

RuPay

Zero Fee / LTF

2 Lifetime Free

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DCB BANK LIMITED PORTFOLIO

DCB Bank Limited Credit Cards

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Showing 2 of 2 verified DCB Bank Limited credit cards

NEW LAUNCH

DCB novio Go Credit Card

RewardsLifetime FreeUPI / RuPay

BEST FOR

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

Annual Fee₹0 (LTF)

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

Lounge AccessNone / Spend-based

Forex Markup2.5%

Last verified 25 Oct 2026

rupay

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NEW LAUNCH

DCB novio Prime Credit Card

RewardsLifetime FreeAirport Lounge

BEST FOR

Secured cardholders seeking complimentary domestic airport lounge access alongside daily UPI rewards.

Annual Fee₹0 (LTF)

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

Lounge Access1 Domestic visits/quarter

Forex Markup2.5%

Last verified 25 Oct 2026

rupay

View Details Compare

COMPETITOR BENCHMARK

Compare DCB Bank Limited vs Competitor Banks (2026)

Benchmark DCB Bank Limited flagship credit cards against top alternatives in the same spending tier.

Cross-Bank Benchmark

DCB Bank Limited vs Competitor Banks (2026 Comparison)

Open Compare Matrix

Bank & Flagship Card	Key Specialization	Annual Fee	Top Highlight / Perk	Action
HDFC BankHDFC Bank Millennia Credit Card	Cashback	₹1,000	5% direct CashBack on top 10 online platforms (Amazon, Flipkart, Swiggy, Zomato, Myntra, Uber)	Explore
SBI CardCashback SBI Card	Cashback	₹999	Flat 5% cashback on online spends across virtually all e-commerce merchants without partner lock-in	Explore
ICICI BankAmazon Pay ICICI Bank Credit Card	Cashback	Free (LTF)	Lifetime Free credit card with unconditionally zero joining fee and zero annual renewal charges	Explore
Axis BankAirtel Axis Bank Credit Card	Cashback	₹500	25% direct cashback on Airtel mobile, broadband, and DTH payments via the Airtel Thanks App	Explore
IDFC FIRST BankIDFC FIRST Select Credit Card	Travel	Free (LTF)	100% Lifetime Free card with zero joining fee and zero annual maintenance fees forever	Explore
American ExpressAmerican Express Platinum Travel Credit Card	Travel	₹5,000	Flagship ₹20,000 Taj Experiences e-Gift Card milestone upon reaching ₹7 Lakh annual spend	Explore

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About DCB Bank Limited Credit Cards

Issuer history, core reward architecture, and market position

Why Choose DCB Bank Limited Credit Cards?

Distinctive advantages of holding cards from DCB Bank Limited

Reward Program Multipliers

Accelerated points on flight and hotel bookings, partner e-commerce shopping, and flexible point-to-cash redemptions.

Airport Lounge Entitlements

Complimentary domestic and international airport lounge visits per calendar quarter across major airport terminals in India.

Annual Spend Fee Waivers

Full annual renewal fee waiver upon hitting predetermined yearly spend milestones (typically ₹1L to ₹3L spend).

Zero Lost Card Liability

24/7 fraud monitoring, contactless NFC tap-to-pay security, and immediate digital lock through mobile banking.

DCB Bank Limited Card Eligibility & Required Documents

Essential requirements before initiating your digital application

Eligibility Criteria

Card-Specific Terms: Specific eligibility criteria (such as minimum income, age requirements, and credit history) vary by individual credit card.
Credit Profile: Approval and sanctioned credit limits depend on your credit history, existing liabilities, and individual bank underwriting guidelines.
Employment Status: Salaried individuals with steady monthly income or self-employed professionals with filed tax returns (ITRs) are generally eligible.
Residential Status: Resident Indian citizens (and NRIs where supported by specific product terms) with valid KYC documents.

Documentation Checklist

Proof of Identity: PAN Card (mandatory), Aadhaar Card, Passport, or Voter ID.
Proof of Address: Aadhaar Card, utility bills (electricity, water, gas < 3 months old), or driving license.
Income Proof (Salaried): Latest 3 months salary slips, Form 16, and 6 months bank account statements.
Income Proof (Self-Employed): Latest 2 years Income Tax Returns (ITR) with computation of income and audited P&L statement.

Frequently Asked Questions

Frequently Asked Questions About DCB Bank Limited Credit Cards

Get clear answers on fees, reward points redemption, lounge privileges, and online application procedures.

How do I apply for a DCB Bank Limited credit card online?

You can apply directly through CardRecommend by clicking 'Apply Online' on your chosen DCB Bank Limited card. You will be redirected securely to DCB Bank Limited's official digital application portal to complete KYC and application verification.

What are the eligibility and credit score requirements for DCB Bank Limited credit cards?

Eligibility criteria and credit score requirements vary by individual card. While entry-level or secured credit cards may be accessible with newer credit histories, premium cards typically require higher income and an established credit profile. Review each individual card's details for exact criteria.

Can I get an annual fee waiver on DCB Bank Limited credit cards?

Many DCB Bank Limited credit cards offer a full annual renewal fee waiver if you achieve the specified annual spend milestone. Spend requirements and waiver terms vary by card; check the specific card fees for exact spend thresholds.

Do DCB Bank Limited credit cards support RuPay UPI payments?

Yes, DCB Bank Limited issues dedicated RuPay credit cards that can be linked to UPI apps (such as Google Pay, PhonePe, and Paytm) for seamless merchant QR scan-and-pay transactions. Look for the RuPay network badge on individual cards in the portfolio.

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