DCB Bank · with novioRuPayLast checked 11 Oct 2026fees only
The DCB novio Credit Card (RuPay Select) charges no annual fee and no joining fee. The forex markup is 2.5%. Lounge visits in India: 1 per quarter (4 a year), RuPay programme. Read from the issuer's own documents on 11 Oct 2026.
DCBDCB novio Credit Card (RuPay Select)Card design not shown
Annual fee
Free
Fee waived at
—
Base return
—
Forex markup
2.5%
Interest
3%a month
Fees
Joining fee
Free
Annual fee
Free
Fee notes
Joining and annual fee nil. Replacement / reissue Rs 250.
Earn rates and caps are not in the MITC or KFS; refer to novio.
Travel and perks
Domestic lounge
1 per quarter (4 a year), RuPay programme
International lounge
None
Lounge conditions
Unused visits lapse; Rs 2 non-refundable authorisation; extra visits at lounge rates.
Forex markup
2.5%
Fuel surcharge waiver
1% waiver on fuel txns up to Rs 5,000, cap Rs 100 per statement cycle
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 299, whichever is higher; cash limit 50% of credit limit or Rs 1 lakh
Eligibility
Requires a DCB Bank fixed deposit; limit 90% of FD. A third-party review cites a starting FD of Rs 2,000 from novio's app listing (unverified).
Fine-print notes
FD-backed: limit 90% of FD; free physical card needs cumulative FD of Rs 10,000+. Rewards programme is 'powered by novio' and the rates are only in the novio app/site, which was not read. Rewards credit in the first month of the quarter after a spend milestone is met. Rs 599 fee if card is closed within one year.
Questions
What is the annual fee of the DCB novio Credit Card (RuPay Select)?
No annual fee.
Does the DCB novio Credit Card (RuPay Select) give airport lounge access?
Yes. In India: 1 per quarter (4 a year), RuPay programme. Outside India: none listed. Conditions: Unused visits lapse; Rs 2 non-refundable authorisation; extra visits at lounge rates.
What is the forex markup on the DCB novio Credit Card (RuPay Select)?
2.5% of each foreign-currency transaction, before GST.
Which spends earn no rewards on the DCB novio Credit Card (RuPay Select)?