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Comparison · हिन्दी

DCB novio Select vs SBI Card UNNATI

Both cards compared on real rupee returns for DCB novio vs SBI Unnati which better FD secured credit card India. We ran the numbers so you can make the right call.

Last updated: October 2026 · Based on current card terms
DCB
DCB NOVIO SELE
ASHOK KUMAR
VS
SBI
CARD UNNATI
ASHOK KUMAR
Our verdict
DCB novio Select Credit Card wins for most people
Card A wins with ₹2,340 annual benefit versus Card B's ₹240, making it nearly 10x more rewarding for this spend profile despite requiring an FD commitment and app-based rewards management.
Side-by-side comparison
DCB novio Select Credit Card ✓ SBI Card UNNATI
Annual benefit ₹2,340 ₹240
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) Free for first 4 years; ₹499 + taxes from Year 5 (requires ₹25,000 Fixed Deposit with SBI)
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition → 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 1 reward point per ₹100 on all eligible spends (0.25%); ₹500 annual cashback on ₹50,000/year spend
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 None
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% 3.5%
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 Beginners and those with no credit history wanting to build CIBIL score safely
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 None required (FD-secured)
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → No credit score required No credit history required
Apply now ↗ Full review →
Apply now ↗ Full review →
When each card wins
DCB novio Select Credit Card
Choose Card A if you can maintain a ₹10,000+ fixed deposit with DCB Bank and are comfortable earning rewards through the novio app. Best for maximizing shopping, dining, and groceries rewards.
SBI Card UNNATI
Choose Card B if you prefer straightforward reward redemption without app dependencies or FD requirements. Better for those wanting simplicity and SBI ecosystem integration with zero annual fees for 4 years.
Who should get which card
Get DCB novio Select if you…
· 9.75x higher annual benefit (₹2,340) despite FD requirement
· Up to 20% off on 10+ partner brands via voucher redemption
· No annual fee if you maintain the FD; genuine lounge access included
· Ideal for high shopping and dining spend
Get SBI Card UNNATI if you…
· No fixed deposit or collateral requirement
· Free for first 4 years with straightforward 0.25% base rewards
· Simple annual ₹500 cashback after ₹50,000 yearly spend
· Better for credit-building without complexity
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
Apply now →
UNITY
ASHOK KUMAR

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Related guides
SBI Card UNNATI vs IDFC FIRST WOW →AU Bank NOMO vs DCB novio Select →Best Lifetime Free Credit Cards →Best Credit Cards for Students →
Frequently asked questions
Based on our analysis, DCB novio Select Credit Card offers better annual returns for most spend profiles.
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). SBI Card UNNATI has an annual fee of Free for first 4 years; ₹499 + taxes from Year 5 (requires ₹25,000 Fixed Deposit with SBI).
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. SBI Card UNNATI offers 1 reward point per ₹100 on all eligible spends (0.25%); ₹500 annual cashback on ₹50,000/year spend.
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. SBI Card UNNATI lounge access: None.
DCB novio Select Credit Card charges 2.5% forex markup. SBI Card UNNATI charges 3.5% forex markup.