DCB Niyo Credit Card

Charge

• Finance charge / overdue payment charge on all transactions (merchant establishments and balance transfer): 36% per annum or 3% per month.
• ATM cash withdrawal fee: 2.5% of transaction value or ₹250, whichever is higher.
• Interest on Cash Advances: 36% per annum or 3% per month.
• Late payment charges (per month): outstanding balance up to ₹100 - NIL.
• Greater than ₹100 up to ₹1,000 - ₹100.
• Greater than ₹1,000 - ₹500.
• Statement request: no charge for e-statement, ₹50 per page for duplicate physical statement.
• Reissue of lost or stolen card: ₹250.
• Replacement of damaged card: ₹250.
• Foreign Currency Mark-up: NIL (Visa Card network exchange rates apply).
• DCB Niyo Global Credit Card closure: NIL.
• GST applicable on all fees, interest and other charges.

Verified · Key Fact Statement (KFS) – DCB Niyo Credit Card (April 2026) · 2026-08-02 · source

Interest-free period

• Interest free (grace) period ranges from 15 to 45 days, subject to submission of claims by the merchant.
• Not applicable if previous month's balance is not cleared in full or if cash was withdrawn from any ATM.

Verified · Key Fact Statement (KFS) – DCB Niyo Credit Card (April 2026) · 2026-08-02 · source

Travel benefit

DCB Niyo Secured Credit Card combines secure banking with travel benefits, offering zero forex markup and a convenient way to manage global expenses.

Verified · DCB Niyo Credit Card product page · 2026-08-02 · source

Eligibility

• Credit limit is 90% of the lien amount against your DCB Niyo Savings account.
• Cash withdrawal limit: 50% of the credit limit or ₹1,00,000 whichever is lower (daily cash withdrawal limit set at ₹1 lakh).

Verified · Key Fact Statement (KFS) – DCB Niyo Credit Card (April 2026) · 2026-08-02 · source

Official terms

https://www.dcb.bank.in/personal/cards/secured-card/dcb-niyo-credit-card.

Verified · DCB Niyo Credit Card product page · 2026-08-02 · source