M16S / DCB Bank / DCB Niyo Global Credit Card
entry · secured, travel, cobrand, lifetime-free
DCB Niyo Global Credit Card
The DCB Niyo Global Credit Card charges no annual fee and no joining fee. Accelerated earn: 3% Niyo Coins on travel bookings made through Niyo. The forex markup is 0%. Read from the issuer's own documents on 11 Oct 2026.
- Annual fee
- Free
- Fee waived at
- —
- Base return
- —
- Forex markup
- 0%
- Interest
- 3%a month
Apply on goniyo.comOpens the bank’s own page.
Fees
| Joining fee | Free |
|---|---|
| Annual fee | Free |
| Fee notes | Joining and annual fee nil. Replacement / reissue Rs 250. |
Rewards
| Reward currency | Niyo Coins |
|---|---|
| Base earnunverified | Niyo blog: 2% Niyo Coins on domestic online transactions; 1% on international online transactions |
| Accelerated earnunverified | 3% Niyo Coins on travel bookings made through Niyo |
| Reward notes | Rates are from Niyo's blog, not the DCB MITC; Niyo Coin rupee value, caps and offline-spend earn not found, so base return is not computed. |
Travel and perks
| Lounge conditions | Niyo blog mentions lounge access without counts or spend thresholds. |
|---|---|
| Forex markup | 0% |
Charges and eligibility
| Interest per month | 3% |
|---|---|
| Late payment fee | Nil up to Rs 100 outstanding; Rs 100 above Rs 100 up to Rs 1,000; Rs 500 above Rs 1,000 (per month) |
| Cash advance fee | 2.5% or Rs 250, whichever is higher; cash limit 50% of credit limit or Rs 1 lakh, whichever is lower |
| Eligibility | Secured by a lien on the customer's DCB Niyo savings account; credit limit is 90% of the lien amount. Minimum credit limit to activate is Rs 5,000 (Niyo blog). Non-DCB users first open a DCB Niyo savings account in the Niyo app; no credit check. |
| Fine-print notes | KFS/MITC state foreign currency markup nil with Visa exchange rates, but also mention a cross-currency markup 'charged on the transaction value' without a rate. Rewards (Niyo coins), lounge access and fuel waiver are not covered in the DCB documents; only Niyo's blog post was read on the partner side. Not valid for forex transactions in Nepal or Bhutan. |
Questions
- What is the annual fee of the DCB Niyo Global Credit Card?
- No annual fee.
- What is the forex markup on the DCB Niyo Global Credit Card?
- 0% of each foreign-currency transaction, before GST.