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DCB Novio Select Credit Card
The step-up variant of DCB Bank's FD-backed Novio RuPay card, adding 4 complimentary domestic lounge visits a year over the base Novio card while keeping the zero-fee, FD-secured structure.
Annual fee
₹0
Joining fee
₹0
Reward type
cashback
Base reward rate
1%
Card network
RuPay
Card tier
Mid
Who this card fits
Best suited to applicants with a credit score of roughly 650+ whose spend is concentrated in dining. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 1% base rate
- Domestic lounge access: 1 complimentary domestic airport lounge visit per quarter
Benefits by category
- 🍽️ Dining & food delivery
2% reward rate (capped ₹500/monthly)
- ✈️ Travel
4 complimentary domestic airport lounge visits per year.
- 🌍 Forex / international spend
2.5% forex markup on international transactions
Eligibility
- Minimum credit score: 650
- Employment: salaried, self-employed
- Age: 18–65
Fees & charges
- Foreign currency markup: 2.5%
- Interest rate: 36% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waiver up to ₹100 per statement cycle (on fuel transactions up to ₹5,000).
- Cash advance charges: 2.5% of the transaction value or ₹299, whichever is higher.
Benefits
- 4 complimentary domestic airport lounge visits per year.
- Credit limit against a fixed deposit, with digital onboarding.
Pros
- + 4 domestic lounge visits a year at zero fee
- + FD-backed with easy digital onboarding
- + No joining or annual charges
Cons
- − Requires a larger FD than the base Novio card
- − Reward rate outside dining is unremarkable
- − Credit limit capped by FD amount