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DCB Bank Novio Credit Card

Best for first-time credit card users, secured card

₹300/yr annual fee

Visa

By FinWiz24 Research Desk · Last reviewed · How we review

FinWiz24 Research Desk

FinWiz24 Research Desk

Verified independently against issuer Terms & Conditions

Editorial Team

Annual fee

₹300/yr

Reward rate

Not published

Min. income

₹1,00,000

Forex markup

Not published

Lounge access

None

Eligibility

₹1 lakh/yr · CIBIL 550+

Reward cap

No cap

Welcome benefit

None beyond the reward rate

Who is this for

  • First-time credit card user
  • Building credit

What we like

  • 1% on everything
  • Very low annual fee

Watch out for

  • Basic benefits only

Fees and charges

Fee Amount Waiver
Joining fee ₹300 Not waivable
Annual fee ₹300 Waived on Rs 50,000 annual spend
Late payment ₹500 Not waivable

Rewards

Spend category Rate Cap Redemption
All spends 1.00 No cap 1.00

Benefits

  • Starter benefits Highlight

    1% cashback on all purchases

  • Fuel surcharge waiver

    1% waiver on fuel transactions Rs 500-3,000

Eligibility

Age
18–70 years
Min. income
₹1,00,000
Min. credit score
550+
Score note
Building credit
Employment
Salaried, self-employed
Documents
PAN, Aadhaar, FD proof

DCB Bank Novio Credit Card is a VISA credit card from DCB Bank. It is best suited for first-time credit card users, secured card.

Fees and rewards

  • Annual fee: Rs 300
  • Joining fee: Rs 300
  • Rewards: 1% cashback on all purchases

Eligibility

PAN, Aadhaar, FD proof

Card data compiled from issuer published fee schedules. Status: active.

Apply for DCB Bank Novio Credit Card

Last reviewed · How we review

FinWiz24 may earn a commission from issuer links. Our editorial process is independent and unbiased.

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Cards with similar benefits, rewards, or eligibility requirements.

Frequently asked questions

Is the DCB Bank Novio Credit Card worth it?
DCB Bank Novio Credit Card is a credit card issued by its bank. Whether it is worth it depends on your monthly spend pattern and whether the annual fee (if any) is waivable. Compare the fee and reward rate on this page against your expected annual spend to make an informed decision.

What is the annual fee for the DCB Bank Novio Credit Card?
DCB Bank Novio Credit Card charges ₹300 as the annual fee. Most issuers waive it on minimum annual spends — check the fee tile on this page for the waiver condition.

How does the DCB Bank Novio Credit Card reward rate work?
DCB Bank Novio Credit Card earns structured rewards that vary by spend category. Check the rewards tile on this page for the full multiplier schedule.

What are the eligibility requirements for the DCB Bank Novio Credit Card?
To qualify for DCB Bank Novio Credit Card, you typically need: minimum annual income ₹1,00,000; CIBIL score of 550+; Salaried / self-employed only. The eligibility tile on this page has the full published criteria.

Does the DCB Bank Novio Credit Card offer airport lounge access?
DCB Bank Novio Credit Card does not publish complimentary airport lounge access as a benefit.

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Disclaimer: Card details are based on publicly available issuer schedule of charges. Eligibility and approval are at the issuer’s sole discretion. FinWiz24 does not guarantee card approval or specific terms. Always read the issuer’s terms and conditions before applying.

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