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Feature	Indian Overseas Bank IOB ZET Credit Card	DCB Bank DCB Novio Select Credit Card
Card essentials Start with pricing, network and the baseline earning rate.
Issuer	Indian Overseas Bank	DCB Bank
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	No complimentary airport lounge access recorded	4 domestic airport lounge visits per year
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	Credit builders who prefer an Indian Overseas Bank-backed secured RuPay card.	New-to-credit users who can keep a DCB fixed deposit and value app-based UPI rewards.
Main trade-off	The 2% cashback requires the paid ZET Plus programme and an eligible merchant UPI payment through ZET. The bank MITC does not promise rewards on ordinary card spending, and closure within two years costs ₹499 plus GST.	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.
Actions	Full analysis Apply ↗	Full analysis Apply ↗

Comparison11 decision pointsScan across each row to compare like for like.	Indian Overseas BankIOB ZET Credit Card Entry · RuPay	DCB BankDCB Novio Select Credit Card Entry · RuPay
Card essentialsStart with pricing, network and the baseline earning rate.
Issuer	Indian Overseas Bank	DCB Bank
Network	RuPay	RuPay
Annual fee	Lifetime free	Lifetime free
Annual fee waiver	Not required	Not required
Base reward rate	0%	0%
Limits and accessCheck 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	No complimentary airport lounge access recorded	4 domestic airport lounge visits per year
Forex markup	2.5%	2.5%
Monthly income requirement	Fixed-deposit backed	Fixed-deposit backed
Terms verified	24 Sept 2026	24 Sept 2026

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IOB ZET Credit Card

Credit builders who prefer an Indian Overseas Bank-backed secured RuPay card.

Main trade-off

The 2% cashback requires the paid ZET Plus programme and an eligible merchant UPI payment through ZET. The bank MITC does not promise rewards on ordinary card spending, and closure within two years costs ₹499 plus GST.

Full analysis →Apply ↗

DCB Novio Select Credit Card

New-to-credit users who can keep a DCB fixed deposit and value app-based UPI rewards.

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.

Full analysis →Apply ↗