Both cards compared on real rupee returns for AU NOMO vs DCB novio Select which better FD secured credit card with lounge India. We ran the numbers so you can make the right call.
Last updated: October 2026 · Based on current card terms
AU SMALL F
NOMO
ASHOK KUMAR
VS
DCB
DCB NOVIO SELE
ASHOK KUMAR
Our verdict
DCB novio Select Credit Card wins for most people
Card B wins decisively with ₹4,320 annual benefit versus Card A's ₹581, despite less transparent reward mechanics. The superior returns and lifetime-free status make it the clear choice for this spend profile.
Side-by-side comparison
AU Bank NOMO Credit CardDCB novio Select Credit Card ✓
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition →2 reward points per ₹100 on retail spends (0.5%); 1 point per ₹100 on utility and insurance (0.25%); 1 point = ₹0.25; capped at 5,000 points per statement cycle; fuel, EMI and cash earn nothingRewards 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
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition →2 domestic airport lounge visits per quarter, gated behind ₹50,000 spend in the quarter (the bank's FAQ separately says ₹20,000, a conflict we flag), plus 2 railway lounge visits per quarter4 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
Best forFirst credit card for anyone with no credit history who wants an FD-backed card with low forex and some lounge access, and who will spend enough to unlock the quarterly lounge gateFirst-time credit users or those with no credit history wanting genuine lounge access on an FD-secured card, specifically via the Select variant
Choose Card A if you prioritize simplicity and transparent, guaranteed rewards with no app dependency. It's ideal for those uncomfortable with unclear reward structures or preferring straightforward point-based systems.
DCB novio Select Credit Card
Choose Card B if you're willing to engage with the novio app ecosystem and leverage partner vouchers. The dramatically higher annual benefit justifies exploring app-based redemptions for everyday spends.
· Predictable caps prevent over-reliance on rewards
Get DCB novio Select if you…
· ₹4,320 annual benefit — 7.4x higher returns
· Lifetime free with no annual fees
· Partner vouchers offer 20% off on 10+ brands
· Best for maximizing value on budget spend profiles
Partner offer
Roarbank RuPay Credit Card
New-to-credit users who want a lifetime-free RuPay UPI card with a built-in savings account, and who will actively pick and track their monthly cashback categories
Based on our analysis, DCB novio Select Credit Card offers better annual returns for most spend profiles.
AU Bank NOMO Credit Card has an annual fee of ₹199 joining, then free (needs ₹20,000 FD). DCB novio Select Credit Card has an annual fee of 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).
AU Bank NOMO Credit Card offers 2 reward points per ₹100 on retail spends (0.5%); 1 point per ₹100 on utility and insurance (0.25%); 1 point = ₹0.25; capped at 5,000 points per statement cycle; fuel, EMI and cash earn nothing. DCB novio Select Credit Card offers 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.
AU Bank NOMO Credit Card lounge access: 2 domestic airport lounge visits per quarter, gated behind ₹50,000 spend in the quarter (the bank's FAQ separately says ₹20,000, a conflict we flag), plus 2 railway lounge visits per quarter. DCB novio Select Credit Card lounge access: 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.
AU Bank NOMO Credit Card charges 0.99% forex markup. DCB novio Select Credit Card charges 2.5% forex markup.