DCB novio Credit Card

Charge

• Charges (KFS/MITC, Ver 1.1, Apr 20 2026): Penal interest for delayed payment (merchant establishments & balance transfer): 3% per month (36% annualised).
• Finance/interest charge: 3% per month (36% annualised), calculated on average daily balance method.
• Domestic ATM cash withdrawal fee: 2.5% of transaction value or ₹299, whichever is higher.
• Cash advance fee: 2.5% of the transaction value.
• Late payment charges (per month): outstanding <= ₹100: Nil.
• > ₹100 and <= ₹1,000: ₹100.
• > ₹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 transactions: cross currency markup 2.5% of transaction value.
• DCB novio Credit Card closure: ₹599 if closed within a year.
• GST applicable on all fees, interest and other charges.

Verified · Key Fact Statement (KFS) – DCB Novio Credit Card (Apr 2026, Ver latest) · 2026-08-04 · source

Interest-free period

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• Not applicable if the previous month's balance has not been cleared in full or if the card holder has withdrawn cash from any ATM.

Verified · Key Fact Statement (KFS) – DCB Novio Credit Card (Apr 2026, Ver latest) · 2026-08-04 · source

Fuel surcharge waiver

• 1% fuel surcharge waiver up to ₹100 per statement cycle, applicable on fuel transactions value up to ₹5,000.
• Credited only for eligible Merchant Category Codes.
• Other MCCs such as Utilities, Railways, Insurance, Gift Securities, Brokers etc. are excluded.

Verified · Key Fact Statement (KFS) – DCB Novio Credit Card (Apr 2026, Ver latest) · 2026-08-04 · source

Eligibility

• Credit limit is 90% of the linked DCB Fixed Deposit amount.
• Cash withdrawal limit is 50% of credit limit or ₹1,00,000 whichever is lower.
• Eligibility to receive a free physical card is upon attaining or exceeding cumulative Fixed Deposit (FD) value of ₹10,000 with DCB Bank.

Verified · Key Fact Statement (KFS) – DCB Novio Credit Card (Apr 2026, Ver latest) · 2026-08-04 · source

Official terms

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

Verified · DCB novio Credit Card product page · 2026-08-04 · source