Review published fees, rewards, caps, eligibility and benefits side by side. Return to the catalogue to change your selection.
Compare every selected card in one table.
Swipe sideways to see all 2 cards.
| Feature | DCB Bank DCB Novio Select Credit Card | Federal Bank Federal Bank RuPay Signet Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | DCB Bank | Federal Bank |
| Network | RuPay | RuPay |
| Annual fee | Lifetime free | Lifetime free |
| Annual fee waiver | Not required | Not required |
| Base reward rate | 0% | 0.1% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| Entertainment & movies | No rewards | 0.3% · Entertainment rewards |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | No general cap recorded | No general cap recorded |
| RuPay credit card on UPI | Eligible for merchant UPI payments | Eligible for merchant UPI payments |
| Airport lounge access | 4 domestic airport lounge visits per year | 4 domestic airport lounge visits per year |
| Forex markup | 2.5% | Not published |
| Monthly income requirement | Fixed-deposit backed | Not listed |
| Terms verified | 24 Sept 2026 | 23 Sept 2026 |
| Best suited to | New-to-credit users who can keep a DCB fixed deposit and value app-based UPI rewards. | UPI users wanting a no-fee Federal Bank card with occasional category and lounge benefits. |
| Main trade-off | Novio Coins have no inherent monetary value and cannot be cashed out. Voucher redemption requires a separate UPI contribution and variable discount, so GainFair assigns zero reward value. Lounge access applies to Select, not Platinum. | Federal Bank does not publish one numeric income threshold or product-specific forex markup. Reward redemption starts at 500 points and carries a fee from ₹99; the lounge and Swiggy benefits require ₹20,000 quarterly spend. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
