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DCB Bank · RuPay · हिन्दी

DCB novio Select Credit Card: full review

The DCB novio Select Credit Card is a genuinely solid FD-secured option specifically because of its confirmed lounge access, a real point of differentiation most cards at this tier don't offer, backed by a lower-than-typical 36% p.a. interest rate. Its actual rewards value depends on engaging with the novio app rather than flat cashback, and the exact earning rate isn't detailed in the bank's own official terms - so treat the "up to 10%" headline as a starting point to verify yourself, not a guarantee.

Apply now ↗Annual fee: Lifetime free
Last updated: October 2026 · Current terms verified
DCB BANK
RuPay
)))
DCB NOVIO SELECT
ASHOK KUMAR
12/28
Lifetime free (nil joining, nil annual), though a ₹599 + GST closure fee applies if closed within the first year; a free physical card requires ₹10,000+ cumulative FD (all confirmed from the official MITC)Annual fee
Rewards are managed entirely through the novio app, not detailed in the official bank MITC; app and third-party sources describe up to 10% combined novioCoins (5% via novio UPI + 5% via the FD card itself) and up to 20% off on 10+ partner brands via voucher redemption - these figures are not independently confirmed by DCB's own official terms; rent, wallet loading, online gaming, gambling, fuel and cash withdrawals are explicitly excluded from earning rewards, confirmed directly from the official MITCReward structure
4 domestic visits/year (1 per quarter) via the RuPay lounge network, with a ₹2 validation charge per visit - confirmed only for the Select variant from the official MITC; the Platinum variant of this same card has no lounge access at allLounge access
FD-secured with no income proof or credit history required for approvalCredit limit set at 90% of the linked FD amount4 domestic lounge visits/year via RuPay network (Select variant only)1% fuel surcharge waiver up to ₹100/statement cycle, on transactions up to ₹5,000Interest rate of 3%/month (36% p.a.), directly confirmed from the official MITCOn-time payments reported to credit bureaus to help build a credit scoreReal, redeemable rewards through the novio app ecosystem, though exact rates aren't confirmed by DCB's own official terms
Apply now ↗ Min. income: No income proof or credit history required (FD-secured); the official app listing specifically qualifies this as "guaranteed approval subject to meeting basic eligibility (age, location, internal policy)" - your credit/income profile itself cannot cause rejection, but other basic checks still apply · Credit score: No credit score required
Pros and cons
Pros
✓ Genuine, confirmed lounge access on an FD-secured card, unusual at this price point
✓ Low ₹10,000 threshold for a free physical card
✓ 36% p.a. interest rate is meaningfully lower than some competing FD-secured cards
✓ Real path to building credit with no income proof needed
Cons
✗ A ₹599 + GST closure fee applies if closed within the first year, effectively locking your FD for that period
✗ Exact rewards rate is not detailed in DCB's own official terms - only in third-party and app-store sources
✗ Fuel transactions are explicitly excluded from earning any rewards at all
✗ The Platinum variant of this same card has no lounge access, so variant choice matters
✗ Rewards are entirely dependent on the separate novio app ecosystem, not simple cashback
Quick facts
Issuer DCB Bank
Network RuPay
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → Lifetime free (nil joining, nil annual), though a ₹599 + GST closure fee applies if closed within the first year; a free physical card requires ₹10,000+ cumulative FD (all confirmed from the official MITC)
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹0
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 4 domestic visits/year (1 per quarter) via the RuPay lounge network, with a ₹2 validation charge per visit - confirmed only for the Select variant from the official MITC; the Platinum variant of this same card has no lounge access at all
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 2.5%
Interest rate 3% per month (36% a year)
Fee waiver Not needed, nil joining and annual fee
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → No income proof or credit history required (FD-secured); the official app listing specifically qualifies this as "guaranteed approval subject to meeting basic eligibility (age, location, internal policy)" - your credit/income profile itself cannot cause rejection, but other basic checks still apply
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → No credit score required
SourceDCB Bank's published card terms and official card page · Last updated October 2026
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Frequently asked questions
The annual fee for DCB novio Select Credit Card is Lifetime free (nil joining, nil annual), though a ₹599 + GST closure fee applies if closed within the first year; a free physical card requires ₹10,000+ cumulative FD (all confirmed from the official MITC). This card is lifetime free with no annual fee.
Rewards are managed entirely through the novio app, not detailed in the official bank MITC; app and third-party sources describe up to 10% combined novioCoins (5% via novio UPI + 5% via the FD card itself) and up to 20% off on 10+ partner brands via voucher redemption - these figures are not independently confirmed by DCB's own official terms; rent, wallet loading, online gaming, gambling, fuel and cash withdrawals are explicitly excluded from earning rewards, confirmed directly from the official MITC
DCB novio Select Credit Card is best for First-time credit users or those with no credit history wanting genuine lounge access on an FD-secured card, specifically via the Select variant. The DCB novio Select Credit Card is a genuinely solid FD-secured option specifically because of its confirmed lounge access, a real point of differentiation most cards at this tier don't offer, backed by a lower-than-typical 36% p.a. interest rate. Its actual rewards value depends on engaging with the novio app rather than flat cashback, and the exact earning rate isn't detailed in the bank's own official terms - so treat the "up to 10%" headline as a starting point to verify yourself, not a guarantee.
The minimum income requirement for DCB novio Select Credit Card is No income proof or credit history required (FD-secured); the official app listing specifically qualifies this as "guaranteed approval subject to meeting basic eligibility (age, location, internal policy)" - your credit/income profile itself cannot cause rejection, but other basic checks still apply. A minimum credit score of No credit score required is also recommended.
Yes, DCB novio Select Credit Card offers 4 domestic visits/year (1 per quarter) via the RuPay lounge network, with a ₹2 validation charge per visit - confirmed only for the Select variant from the official MITC; the Platinum variant of this same card has no lounge access at all.
DCB novio Select Credit Card charges a 2.5% foreign currency markup on international transactions. This is lower than the standard 3.5% charged by most Indian credit cards.
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