All cards / DCB Bank
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.
Annual fee
₹0
Joining fee
₹0
Reward type
cashback
Base reward rate
1%
Card network
Visa
Card tier
Entry
Who this card fits
Best suited to applicants who clear the standard eligibility bar whose spend is concentrated in travel, online shopping. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 1% base rate
- Travel: Zero forex markup on international spends in 150+ countries; higher acceptance abroad via the Niyo/DCB partnership
Benefits by category
- ✈️ Travel
3% reward rate
- 🛍️ Shopping
2% reward rate
- 🌍 Forex / international spend
Zero forex markup on retail spends across 150+ currencies worldwide · 0% forex markup on international transactions
Eligibility
- 0
- Employment: salaried, self-employed
- Age: 18–75
Fees & charges
- Foreign currency markup: 0%
- Interest rate: 36% p.a.
- Cash advance charges: 2.5% of the transaction value or ₹250, whichever is higher; interest 3% a month from withdrawal date.
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
Best for