Open an FD of ₹25,000 or more to unlock both the credit limit and the rare complimentary lounge access benefit on an FD-backed card
A closure fee of ₹599 applies if the card is closed within the first 12 months
Latest change: Initial card profile added for DCB Novio Credit Card
For UPI Spenders & Building Credit. 1% on upi spend. No annual fee. Lounge rule: 1 visits / quarter.
You should be able to scan the fee, waiver rule, best use case, lounge condition, and biggest downside in one pass.
UPI Spenders & Building Credit
These are the rules and drawbacks most likely to make the card feel disappointing after signup.
How to use the card well, and what to watch before applying.
Compare this card side-by-side or jump into a few strong alternatives before you move into the deeper research sections.
Keep the topline simple first. Open the calculators only if the fee, waiver rule, and reward shape still look attractive.
No annual fee.
This card is lifetime free.
UPI spend
Adjust your estimated monthly spend to see the personalized annual value after fees.
Live offers, redemptions, and milestone math are useful for optimization, but they should not crowd the main decision.
Offer availability changes often.
This card is better treated as direct cashback or feature value.
No standout milestone boost highlighted.
Keep the headline simple first. Open the full checklist and airport map only if lounge access matters for this card.
4 domestic • 0 international policy count
Card-level policy notes: • Complimentary domestic and international airport lounge access (with FD >= ₹25,000) • Lounge access requires a minimum FD of ₹25,000 Verify latest spend criteria and guest access with issuer before travel.
Derived from card policy signals
Lounge access data for this card could not be confidently matched. Please verify lounge eligibility directly with the issuer before relying on access.
Earn exclusions, fine-print benefits, and fee rows matter, but they should sit behind an extra click instead of competing with the main overview.
This card does not have publishable enrichment records in the current high-confidence snapshot.
This is the validation layer. Use it after the card already feels like a possible yes.