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DCB Bank
DCB Bank Niyo Global Credit Card
Visa
DCB Bank Niyo Global Credit Card
A savings-lien-backed international travel credit card issued by DCB Bank in partnership with Niyo, built around zero forex markup for global spenders who don't want a traditional unsecured card.
Rates and fees last verified 14 September 2026.
Annual fee
₹0
Joining fee
₹0
Reward type
cashback
Base reward rate
1%
Card network
Visa
Card tier
Entry
Reward rates by category
- Travel3%
- Online shopping2%
Eligibility
- 0
- Employment: salaried, self-employed
- Age: 18–75
Benefits
- Zero forex markup on retail spends across 150+ currencies worldwide
- Secured against a lien on a DCB Niyo savings account; credit limit is 90% of the lien amount (₹5,000 to ₹25 lakh)
- Up to 10% back in Niyo Coins on domestic transactions, plus category-based value-back on travel and online spends
Pros
- + Zero forex markup across 150+ currencies
- + No income proof needed (lien-backed)
- + No joining or annual fee
- + Fast virtual card issuance
Cons
- − Requires locking funds as a lien in a DCB Niyo account
- − Credit limit tied to lien amount, not income
- − Best suited to international spenders, less compelling for domestic-only use
Applying takes you to DCB Bank's site. We may earn a commission if you're approved — see our disclaimer. Final terms and approval are solely at the issuer's discretion.