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DCB Novio Credit Card

DCB Novio FD-Backed Credit Card offers lifetime-free access ...DCB Novio FD-Backed Credit Card offers lifetime-free access with a minimum ₹2,000 fixed deposit, a credit limit of up to 90% of the FD value, UPI rewards, monthly discounts, airport lounge access, and no income proof requirement. Apply via CashKaro to earn extra Rewards on successful card activation

Upto ₹2000 Rewards

on Credit Card Activation

DCB Novio Credit Card Benefits

1Lifetime Free FD-Backed Credit Card

2Instant approval against FDs starting at ₹2,000, with interest up to 7% p.a

3Earn up to 15% Novio Coins on eligible UPI spends through Novio UPI

Important Timelines

Important Terms & Conditions

Rewards are not applicable for existing holders of any DCB FD-backed credit card
A minimum transaction of Rs 100 is required within 30 days to activate the card
Please use your Aadhaar linked Mobile number to complete the application
Use your Mobile Number for raising Missing Rewards Ticket

Rewards Rates

₹2,000

Rewards on FD funding above Rs.50,000

₹1,250

Rewards on FD funding between Rs.25000 - Rs.49999

₹875

Rewards on FD funding between Rs.10000 - Rs.24999

₹500

Rewards on FD funding between Rs.5000 - Rs.9999

₹250

Rewards on FD funding between Rs.2000 - Rs.4999

How to Get This Offer?

Eligibility Criteria

Age: 21 to 65 years
Minimum Funding Required: Rs 2000 (Physical Card available on FDs above Rs 10,000)

Fees & Charges

Joining Fee: Nil(Lifetime Free)
Annual Fee: Nil(Lifetime Free)

Steps To Apply

Click on the orange button
You will be redirected to Novio App on App store/Play store
Complete the application in the same session

Terms & Conditions

CashKaro Rewards Related

Rewards are not applicable for existing holders of any DCB FD-backed credit card
A minimum transaction of Rs 100 is required within 30 days to activate the card
Please use your Aadhaar linked Mobile number to complete the application
VKYC done over 50km from your Aadhaar/communication address will result in application rejection and loss of Rewards

Also Remember

Resume your application only via CashKaro to avoid losing Rewards
Rewards might initially track at lower amount but will be corrected at the time of Validation based on FD funding
If your Rewards do not track, raise a Missing Rewards ticket within 30 Days from the application date
Use your Mobile Number for raising Missing Rewards Ticket
Rewards can only be redeemed as Amazon Pay Balance

DCB Novio Credit Card Benefits

1Start with a Fixed Deposit of ₹2,000 and get a RuPay Credit Card—virtual for FDs between ₹2,000 and ₹9,999, or physical for ₹10,000 and above—with a credit limit of up to 90% of your FD, which can be increased anytime by topping up your deposit.

2Earn up to 15% Novio Coins on eligible UPI spends through Novio UPI.

3Enjoy 1 Complimentary domestic airport lounge visit every quarter (4 per year) with the Select variant, applicable on a minimum Fixed Deposit of ₹25,000.

4Enjoy 5% discount (up to ₹1,000*) on Amazon.

5Buy 1 Get 1 FREE movie tickets on BookMyShow (up to ₹250 OFF/month).

6Enjoy ₹150 OFF on Zepto (₹50 OFF on orders above ₹499, up to 3 times/month).

7Get ₹100 OFF on Swiggy on orders of ₹499 or above.

8Save up to 20% on brands like Amazon, Flipkart, Myntra, PVR, Domino’s and 15+ more by redeeming novio Coins.

9Enjoy welcome benefits, vouchers, and discounts from leading brands including HPCL, AJIO, Trends Footwear, Soch, Watcho, Pocket FM, The Man Company, Yatra, AbhiBus, PharmEasy, and WOW Skin Science.

10Get ₹23,000 worth of benefits with the Lifetime Free SBM novio RuPay Credit Card

Rewards Tracking Timeline

Your Rewards are added once the bank sends us the application completion report. This takes up to 72 hours after you complete the card application.

Rewards Confirmation Timeline

Once your card is activated, the bank shares a report with us which is used to update your Rewards status. Please note, this process can take up to 75 days, starting from the date you applied for the card.

Accept App Orders?

Orders placed on DCB Novio Credit Card app are eligible for Rewards

Accept App Orders?

Orders placed on DCB Novio Credit Card app are not eligible for Rewards