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DCB Novio RuPay Credit Card: Lifetime Free Card with Benefits Worth Up to ₹23,000
Get benefits worth up to ₹23,000 with the Lifetime Free DCB Novio RuPay Credit Card. Start with a fixed deposit of just ₹2,000 and enjoy eligible UPI rewards, shopping discounts, movie ticket offers, food delivery savings and more.
Start with just ₹2,000 FD and explore exciting card benefits.
Apply Now →Check the latest eligibility and offer conditions before applying.
DCB Novio RuPay Credit Card: Key Highlights
| Feature | Details |
|---|---|
| Joining Fee | ₹0 |
| Annual Fee | ₹0 |
| Minimum FD | ₹2,000 |
| Credit Limit | Up to 90% of FD |
| Card Network | RuPay |
| UPI Rewards | Up to 15% Novio Coins on eligible spends |
| Age | 21 to 65 years |
| Airport Lounge | 4 visits yearly with Select variant, subject to conditions |
DCB Novio RuPay Credit Card Benefits
Explore DCB Novio Card Offers
Here are some of the key offers available with the card, subject to current terms.
Fees and Charges
| Fee Type | Charges |
|---|---|
| Joining Fee | Nil |
| Annual Fee | Nil |
| Minimum FD | ₹2,000 |
Other charges, including interest, late payment fees and applicable taxes, may apply. Refer to the latest official schedule of charges.
Eligibility Criteria
- Minimum age: 21 years.
- Maximum age: 65 years.
- Minimum FD: ₹2,000.
- Virtual card: FD between ₹2,000 and ₹9,999.
- Physical card: FD of ₹10,000 and above.
Credit limit can be up to 90% of the FD. You may increase the deposit to request a higher credit limit, subject to the bank's rules.
Interested in the DCB Novio RuPay Credit Card?
Explore the official application process and check the latest card benefits.
Apply Now →Frequently Asked Questions (FAQs)
1. Is the DCB Novio RuPay Credit Card lifetime free?
Yes. The stated joining fee and annual fee are both nil. Other applicable charges may still apply.
2. What is the minimum FD required?
The minimum fixed deposit requirement is ₹2,000.
3. Can I get a physical card with a ₹2,000 FD?
According to the provided details, FDs between ₹2,000 and ₹9,999 qualify for a virtual card. Physical cards are available for FDs of ₹10,000 and above.
4. What is the credit limit?
The credit limit can be up to 90% of the fixed deposit amount, subject to bank conditions.
5. Does the card offer UPI rewards?
Yes. Eligible UPI transactions through Novio UPI can earn up to 15% Novio Coins, subject to reward conditions.
6. Does the card offer airport lounge access?
The Select variant offers one complimentary domestic airport lounge visit per quarter, with a minimum FD of ₹25,000 and subject to applicable conditions.
7. What is the age eligibility?
The stated age eligibility is 21 to 65 years.
8. Can I increase the credit limit?
You may top up your fixed deposit to request a higher credit limit, subject to the bank's applicable rules.
Terms and Conditions
- All benefits are subject to the latest DCB Bank terms and conditions.
- Reward rates, discounts and offer limits may change.
- FD and card issuance are subject to eligibility and bank verification.
- Airport lounge access is available only on eligible variants and qualifying FDs.
- Merchant offers may have minimum transaction values, redemption limits and exclusions.
- Review the official card documentation and schedule of charges before applying.