Looking for a lifetime-free credit card that you can get against a Fixed Deposit (FD)? The DCB Novio Credit Card offers an FD-backed credit card option starting with a Fixed Deposit of just ₹2,000.
The card comes with zero joining fee and zero annual fee, while eligible users can earn up to 15% Novio Coins on eligible UPI spends through Novio UPI.
Another major advantage is that the card is backed by an FD. Depending on the FD amount, customers can receive a virtual or physical RuPay Credit Card, with a credit limit of up to 90% of the FD value.
For customers who are new to credit or want a credit card backed by an FD, the DCB Novio Credit Card can be an option worth exploring.
DCB Novio Credit Card – Key Highlights
| Feature | Details |
|---|---|
| Card Type | FD-Backed RuPay Credit Card |
| Joining Fee | Nil |
| Annual Fee | Nil |
| Minimum FD | ₹2,000 |
| Credit Limit | Up to 90% of FD value |
| UPI Rewards | Up to 15% Novio Coins on eligible UPI spends through Novio UPI |
| Airport Lounge | 1 complimentary domestic visit per quarter with Select variant |
| Lounge Eligibility | Minimum FD of ₹25,000 |
| Physical Card | Available on FD of ₹10,000 and above |
| Virtual Card | Available for FD between ₹2,000 and ₹9,999 |
| Eligibility Age | 21 to 65 years |
Lifetime Free FD-Backed Credit Card
One of the biggest highlights of the DCB Novio Credit Card is its lifetime-free structure.
There is:
- No joining fee
- No annual fee
Because the card is FD-backed, it can also be an interesting option for people who want access to credit while keeping a Fixed Deposit with the bank.
The minimum funding requirement starts from just ₹2,000, making the entry point relatively accessible.
Start With an FD of Just ₹2,000
You can start your DCB Novio Credit Card journey with a Fixed Deposit of ₹2,000.
The card variant depends on the amount of your FD:
- ₹2,000 to ₹9,999 FD: Virtual RuPay Credit Card
- ₹10,000 and above: Physical RuPay Credit Card
- Credit limit can be up to 90% of the FD value
The credit limit can also be increased by topping up the Fixed Deposit, subject to the applicable terms.
This FD-backed structure can make the card worth considering for customers who may not have access to traditional unsecured credit cards.
Earn Up to 15% Novio Coins on Eligible UPI Spends
UPI users get another notable benefit with the DCB Novio Credit Card.
Eligible customers can earn up to 15% Novio Coins on eligible UPI spends made through Novio UPI.
This can be particularly useful for users who frequently make everyday payments through UPI.
However, the reward rate and eligibility can depend on the applicable transaction terms, so customers should check the latest conditions before applying or making transactions.
Complimentary Domestic Airport Lounge Access
Travelers can also benefit from complimentary airport lounge access.
The Select variant offers:
1 complimentary domestic airport lounge visit every quarter, for a total of 4 visits per year.
This benefit is applicable when the customer has a minimum Fixed Deposit of ₹25,000, subject to the applicable conditions.
For customers who travel several times a year, quarterly lounge access can add useful value to a lifetime-free card.
Get 5% Discount on Amazon
The DCB Novio Credit Card also provides a 5% discount on Amazon, up to ₹1,000*, subject to the applicable offer terms.
This can provide additional savings for eligible purchases and adds to the card’s shopping benefits.
Buy 1 Get 1 Free Movie Tickets on BookMyShow
Movie lovers can take advantage of the BookMyShow offer.
The card provides a Buy 1 Get 1 FREE movie ticket benefit, with savings of up to ₹250 per month, subject to the applicable terms and conditions.
If you regularly book movie tickets online, this can be a useful recurring benefit.
Get Discounts on Zepto and Swiggy
The card also comes with offers for everyday food and grocery spending.
Zepto Offer
Get up to ₹150 OFF on Zepto, with:
- ₹50 OFF on orders above ₹499
- Up to 3 times per month
Swiggy Offer
Get ₹100 OFF on Swiggy on eligible orders of ₹499 or above.
These benefits can make the card more attractive for users who frequently order groceries or food online.
Redeem Novio Coins for Brand Discounts
Novio Coins can also be used to save on purchases from a range of popular brands.
Cardholders can save up to 20% on brands including:
- Amazon
- Flipkart
- Myntra
- PVR
- Domino’s
- And 15+ other brands
The savings are available by redeeming eligible Novio Coins and are subject to the applicable terms.
Welcome Benefits and Brand Offers
The DCB Novio Credit Card also provides access to welcome benefits, vouchers and discounts from various brands.
Some of the brands mentioned with the offer include:
- HPCL
- AJIO
- Trends Footwear
- Soch
- Watcho
- Pocket FM
- The Man Company
- Yatra
- AbhiBus
- PharmEasy
- WOW Skin Science
The availability and value of individual offers may vary, so users should check the applicable offer terms at the time of application.
DCB Novio Credit Card Fees & Charges
The key card fees are:
| Fee | Amount |
|---|---|
| Joining Fee | ₹0 |
| Annual Fee | ₹0 |
This zero joining and zero annual fee structure is one of the card’s key attractions.
Other charges may apply for specific services or transactions. It is recommended to review the latest schedule of charges before applying.
DCB Novio Credit Card Eligibility
The basic eligibility details include:
- Age: 21 to 65 years
- Minimum FD: ₹2,000
- Physical Card: Available for FD of ₹10,000 and above
Since the card is FD-backed, applicants should also meet the applicable Fixed Deposit and card issuance requirements.
Final approval and card limits remain subject to the issuer’s applicable policies and verification process.
Who Should Consider the DCB Novio Credit Card?
The card may be worth considering for:
1. New-to-Credit Users
If you are looking to start building a credit history, an FD-backed card can be an option to explore.
2. UPI Users
People who regularly make eligible UPI transactions through Novio UPI may find the Novio Coins rewards interesting.
3. Users Looking for a Lifetime-Free Card
With zero joining and annual fees, the card can be considered by users who prefer avoiding recurring card membership charges.
4. Frequent Travelers
The Select variant’s quarterly domestic airport lounge benefit may be useful for eligible customers with an FD of ₹25,000 or more.
5. Online Shoppers
The Amazon discount and additional brand offers can provide extra value for eligible purchases.
How to Apply for DCB Novio Credit Card?
If the DCB Novio Credit Card benefits match your requirements, you can proceed with the online application.
Step 1: Click on Apply Now
Click the Apply Now button available on this page.
Step 2: Check the Offer and Eligibility
Review the card details and applicable eligibility requirements.
Step 3: Complete the Application
Enter the required details and follow the application process.
Step 4: Complete the FD Requirement
As this is an FD-backed credit card, the required Fixed Deposit needs to be created as per the issuer’s process.
Want to check the DCB Novio Credit Card offer?
DCB Novio Credit Card vs Traditional Credit Cards
The main difference is that the DCB Novio Credit Card is backed by a Fixed Deposit.
With a traditional unsecured credit card, the issuer generally determines the credit limit based on factors such as income, credit profile and internal eligibility criteria.
With an FD-backed card, the Fixed Deposit provides security for the card facility. In the case of DCB Novio, the credit limit can be up to 90% of the FD value.
This can make an FD-backed card worth considering for customers who want to access credit without relying entirely on an existing unsecured credit profile.
Is DCB Novio Credit Card Worth It?
The DCB Novio Credit Card brings together several features that may appeal to customers looking for a lifetime-free FD-backed credit card.
Its major highlights include a ₹2,000 minimum FD, up to 90% of FD value as the credit limit, up to 15% Novio Coins on eligible UPI spends through Novio UPI, quarterly lounge access on the Select variant, and multiple shopping and entertainment offers.
The card may be particularly relevant if you are comfortable maintaining an FD and want a RuPay credit card with rewards and lifestyle benefits.
Before applying, however, make sure you understand the applicable reward conditions, offer exclusions, FD terms, charges and eligibility requirements.
Frequently Asked Questions
1. Is the DCB Novio Credit Card lifetime free?
Yes. The card has no joining fee and no annual fee, according to the provided card details.
2. What is the minimum FD required for DCB Novio Credit Card?
The minimum Fixed Deposit requirement is ₹2,000.
3. What credit limit can I get against the FD?
You can get a credit limit of up to 90% of the FD value, subject to applicable terms.
4. Can I get a physical DCB Novio Credit Card?
Yes. A physical card is available for FD amounts of ₹10,000 and above. For FD amounts between ₹2,000 and ₹9,999, the card is virtual.
5. How much can I earn through UPI?
Eligible users can earn up to 15% Novio Coins on eligible UPI spends through Novio UPI, subject to applicable conditions.
6. Does the card offer airport lounge access?
Yes. The Select variant provides 1 complimentary domestic airport lounge visit per quarter, or up to 4 visits per year, for eligible customers with a minimum FD of ₹25,000.
7. What is the age eligibility for the DCB Novio Credit Card?
The stated age eligibility is 21 to 65 years.
8. Can I increase my credit limit?
The credit limit can be increased by topping up the Fixed Deposit, subject to applicable policies and terms.
9. Does the card offer movie discounts?
Yes. The card offers Buy 1 Get 1 FREE movie tickets on BookMyShow, with a benefit of up to ₹250 off per month, subject to applicable terms.
10. What is the joining fee?
The joining fee is Nil.
11. What is the annual fee?
The annual fee is Nil.
Final Verdict
The DCB Novio Credit Card is an FD-backed RuPay credit card designed for customers who want a lifetime-free credit card with a relatively low starting FD requirement.
From up to 15% Novio Coins on eligible UPI spends to shopping discounts, BookMyShow benefits and airport lounge access on the Select variant, the card offers several features across everyday spending and lifestyle categories.
If you already have, or are comfortable creating, a Fixed Deposit and want to explore a lifetime-free credit card, the DCB Novio Credit Card could be worth checking.
Check the offer and eligibility now — click the Apply Now button to proceed with your application.
Disclaimer: Credit card issuance, approval, credit limit, FD requirements, rewards, discounts, lounge access and other benefits are subject to the issuer’s eligibility criteria, terms, conditions, exclusions and applicable offers. Reward rates and promotional benefits may change. Please verify the latest terms before applying.
