Novio Credit Card
★ 3.9 / 5 ⓘ How we rateInstant FD-backed card with up to 10% novio coins on UPI
✅ Verified Oct 2026 from DCB Bank's official page →
✍️ Checked by Deepak Kumar, CardSwipe · updated Oct 2026
Why people love it
New-to-credit users who want instant approval and UPI rewards
Key benefits
- Instant approval against a fixed deposit from ₹2,000 — FD earns up to 7% interest
- Up to 10% novio coins on UPI spends (5% on novio UPI + 5% on the card)
- Up to 4 domestic/international lounge visits a year if your FD is ₹25,000 or more
- Redeem coins for discounts on Amazon, Flipkart, Domino's and other vouchers
- Helps build your credit score
What's great
- No income proof or credit history needed
- Lifetime free
- Lounge access is rare on FD cards
Good to know
- Money is locked in an FD
- Coin value isn't fixed; mostly vouchers
- ₹599 fee if closed within 12 months
Quick facts
How to apply
Keep these ready
- 🪪 PAN card
- 🆔 Aadhaar (for e-KYC / video KYC)
- 📄 Income proof — salary slip or ITR (not needed for FD-backed cards)
Fees & charges (fine print)
| Interest on unpaid bill | As per DCB Bank MITC |
| Foreign currency markup | 3.5% |
| Cash withdrawal fee | As per DCB Bank MITC |
| Late payment fee | As per DCB Bank MITC |
- No rewards on rent, wallet loads, gaming, fuel, cash withdrawal
- 18% GST applies on all fees
💡 Pay your full bill before the due date and you pay zero interest.
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❓ Novio — common questions
Is the Novio Credit Card lifetime free?
Yes. The Novio Credit Card has no joining fee and no annual fee.
What rewards does the Novio Credit Card give?
Up to 10% in novio coins. Instant approval against a fixed deposit from ₹2,000 — FD earns up to 7% interest.
Who is eligible for the Novio Credit Card?
Minimum income: No income proof needed. Age: 18+ years. Credit score: Not required. Final approval is decided by the bank.
Does the Novio Credit Card give airport lounge access?
Yes — Up to 4/year (FD ₹25,000+).
What is the forex markup on the Novio Credit Card?
3.5% on foreign currency spends (plus GST).
Who should get the Novio Credit Card?
New-to-credit users who want instant approval and UPI rewards.
Approval is at the bank's discretion. Check final terms on the bank's page before applying.