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| Feature | DCB Bank DCB Novio Select Credit Card | SBM Bank India SBM Bank ZET Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | DCB Bank | SBM Bank India |
| Network | RuPay | RuPay |
| Annual fee | Lifetime free | Lifetime free |
| Annual fee waiver | Not required | Not required |
| Base reward rate | 0% | 0% |
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 | No complimentary airport lounge access recorded |
| Forex markup | 2.5% | 2.5% |
| Monthly income requirement | Fixed-deposit backed | Fixed-deposit backed |
| Terms verified | 24 Sept 2026 | 24 Sept 2026 |
| Best suited to | New-to-credit users who can keep a DCB fixed deposit and value app-based UPI rewards. | New-to-credit users willing to place a small fixed deposit and route merchant UPI payments through ZET. |
| 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. | The 2% cashback is not free or card-wide: this catalogue proposition includes the ₹3/day ZET Plus cost and requires an eligible merchant UPI payment through ZET. Ordinary card spend has no assigned reward. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
