DCB Novio Select Credit Card
DCB Bank · RuPay · Entry card
A low-deposit secured card with UPI rewards and a path to airport lounge access at a higher FD level.
New-to-credit users who can keep a DCB fixed deposit and value app-based UPI rewards.
Terms checked 24 Sept 2026
- Annual fee
- Lifetime free
- Joining fee
- ₹0
- Base reward rate
- 0%
- Forex markup
- 2.5%
Reward rates by spending category
Published catalogue rates before caps and merchant-category exclusions.
| Category | Recorded rate |
|---|---|
| Online shopping | 0% |
| Groceries & essentials | 0% |
| Dining & delivery | 0% |
| Fuel & commute | 0% |
| Travel & hotels | 0% |
| Bills & utilities | 0% |
| Beauty & wellness | 0% |
| Entertainment & movies | 0% |
| Education & family | 0% |
| Healthcare & pharmacy | 0% |
| Subscriptions & streaming | 0% |
| Offline store shopping | 0% |
| International spending | 0% |
| Gold & jewellery | 0% |
| House rent | 0% |
| Insurance premiums | 0% |
| Other miscellaneous | 0% |
Caps and fee waiver
- Reward caps
- No general cap recorded
- Annual fee waiver
- Not needed
- Monthly income requirement
- Fixed-deposit backed
Airport lounge access
4 domestic airport lounge visits per year
1 domestic airport lounge visit per quarter · Issuer card
Guest access: Not available
A nominal authorization charge may apply; Platinum has no lounge access.
Spend condition: Select variant with the qualifying fixed-deposit relationship.
Benefits & conditions
Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.
Rewards and cashback · 1 item
Novio Coins without fixed rupee value
Usage-based valueEligible transactions may earn Novio Coins, but the programme terms state that Coins have no inherent monetary value and cannot be cashed out; no rupee return is assigned.
Fees · 1 item
Lifetime-free annual fee
Recorded value ₹-0No annual card fee is recorded under the currently reviewed terms.
Welcome benefits · 1 item
Select welcome promotions
Shown without a cash valueNovio advertises Select welcome value through partner promotions; no cash value is assigned because exact fulfilment and Coin redemption vary.
Conditions: Maintain the qualifying Select fixed deposit · Partner promotion, voucher and redemption terms apply
Airport lounge access · 1 item
Domestic lounge access
Usage-based value1 visit per quarter through Issuer card. Guest access: not available. A nominal authorization charge may apply; Platinum has no lounge access.
Movies and entertainment · 1 item
BookMyShow and merchant promotions under current partner terms are disclosed but not added to ranking
Shown without a cash value
Insurance and protection · 1 item
Eligible lost-card and fraudulent-purchase protection under DCB terms, subject to reporting, FIR and authentication exclusions
Shown without a cash value
Foreign-currency charges · 1 item
Foreign-currency markup
Usage-based value2.5% foreign-currency markup before applicable tax.
Conditions: Applies to eligible foreign-currency transactions
Eligibility and availability · 1 item
Restricted application availability
Shown without a cash valueApplication availability: secured. This catalogue entry represents the Select/Prime relationship because it includes lounge access. The lower-deposit Platinum/Go variant does not include lounge access. Credit limit is 90% of the fixed deposit.
Other benefits · 6 items
1% fuel-surcharge waiver capped at ₹100 per statement cycle on eligible fuel purchases
Shown without a cash valueFree physical card after cumulative fixed deposits reach ₹10,000
Shown without a cash valueClosure within the first year attracts ₹599 under DCB terms
Shown without a cash valueLifetime-free DCB Novio Select secured RuPay card
Shown without a cash valueNovio Coins on eligible card and merchant UPI transactions
Shown without a cash value90% of the fixed deposit becomes the credit limit
Shown without a cash value
Other categories (9)
These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.
Fee waiver
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Spend milestones
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Card tiers
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Travel privileges
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Dining
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Golf
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Fuel benefits
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Official source 4 ↗Memberships
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Concierge
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗
What stands out
- ✓ Lifetime-free DCB Novio Select secured RuPay card
- ✓ One domestic lounge visit per calendar quarter
- ✓ Novio Coins on eligible card and merchant UPI transactions
- ✓ 90% of the fixed deposit becomes the credit limit
What to watch
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.
Recorded exclusions
Fuel Commute · Rent · Cash withdrawal · Wallet load · Gaming · Gambling · Fees charges
How GainFair evaluates this card
The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.
Compare against
These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.
Issuer sources
Open the sources used for this card's product details, rewards, fees and eligibility.
Sources checked 24 Sept 2026