DCB Niyo Global Credit Card
KeepSet aside ₹5,555 in your savings account and get a genuinely 0% forex Visa that costs nothing, ever.
no published earn rate to price
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Welcome: None published — neither the KFS nor the product page carries a welcome benefit.
Not valued. We can't value this card until the issuer publishes how it earns — every net-value number here would be a fee subtracted from rewards nobody has described. Everything we can source — the fee, the charges, the migration that put this card in your hand — is above and stands on its own; this card is simply not on the board, not in the calculator, and cannot win a best-of call until DCB Bank publishes terms we can cite.
Why we decline to value some cards, and what it takes to change that →
3 notes on the card itself: how it is issued · the network variants · why it ranks #407
Why #407 Ranked on one number and no other: the foreign-currency markup is Nil, on a card that costs nothing to take out and nothing to keep. DCB publishes no reward rate for it at all, so there is nothing here to value — carry it for the border, not for the points.
The take
DCB and Niyo built the rarest thing in Indian cards: a credit card whose foreign-currency markup is not "low" but nil, and which charges nothing to get and nothing to keep. The KFS says it on the row — "NIL* Cross currency markup on transaction value (*Visa Card network exchange rates apply)" — and the product page says it again in plain English. Against a market that charges 3.5% as a matter of course, that is the entire reason to carry it. The mechanism is the interesting part. This is not an FD-backed card. DCB marks a LIEN on your DCB savings account, your credit limit is 90% of the lien, and the money never leaves the account or stops earning savings interest — a lien of ₹5,555 buys the ₹5,000 minimum limit, and you can raise or release it in the Niyo app with no paperwork and no approval. That makes it reversible in a way a fixed deposit is not, which is the whole pitch over its own sibling. What you do not get is any reason to spend on it at home. DCB publishes no reward programme for this card — no points, no coins, no cashback, in the KFS, on the page or in twenty-five FAQs — and no lounge access either. Buy it as a forex instrument and a credit-file starter, put your domestic spend somewhere that pays, and take it abroad.
Your renewal — keep, downgrade or cancel
There is no renewal arithmetic to run on this card yet — and a break-even we cannot source is not one we will print.
the whole desk — what changed, the downgrade, and what we cannot price →
Keep, downgrade or cancel
what we can and cannot price
Not valued. We can't value this card until the issuer publishes how it earns — every net-value number here would be a fee subtracted from rewards nobody has described. A break-even is the spend at which value crosses a fee, and we are short one side of that sentence — so this desk prints no ladder, no crossing and no ₹0 standing in for either. What we can source about this card is under Sources.
Your copy of this card
You hold this card.
Kept on this device, in your browser. It is never sent to us, never synced, and nothing else on the site reads it yet.
The downgrade
DCB Bank publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and we cannot price either side of it.
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- Foreign-currency markup is Nil — the KFS row reads "NIL* Cross currency markup on transaction value"
- Lifetime free: the KFS fee table reads Nil joining, Nil annual, Nil minimum spend
- Secured on a LIEN over your DCB savings account, not a fixed deposit — the money keeps earning savings interest and the lien releases any time
- Credit limit is 90% of the lien, from ₹5,000 to ₹25 lakh, changed in the app in two taps
- Card closure is free, and a virtual card is usable the day after you apply
Watch out
- DCB publishes NO reward rate, no points and no cashback for this card — we will not print an earn it has not stated
- No lounge access appears in the KFS, the MITC or the product page
- The card's own KFS calls it the DCB Niyo GLOBAL Credit Card while the product page says DCB Niyo Credit Card — same product, two names
- This is NOT the Niyo Global SBM card, which is FD-backed and earns Niyo Coins. Two banks, two products, one brand
- 36% a year (3% a month) on revolving credit, and the same rate on cash from the day you draw it
- ATM cash costs 2.5% or ₹250, whichever is higher, and cash is capped at 50% of your limit or ₹1,00,000
- ₹500 late fee above ₹1,000 outstanding; ₹250 to reissue or replace the card
- Everything runs through the Niyo app — application, limit, lien, PIN, statements
What these points actually fly
DCB Bank has not published what this card earns, so there are no points here to fly with — not zero points, and not points that go nowhere: nothing stated either way. The moment a benefit sheet exists we will price whatever it names.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
Lounge access
0 of 793 tracked doors
No lounge access. This card opens exactly 0 of 793 tracked lounge doors — board with the crowd, or find a card that doesn't →
Can you get it?
income, age and the route in
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Direct application — no invite list, no banking relationship required.
There is no underwriting gate and no credit-score check. Open a DCB savings account through the Niyo Global app, set the lien amount you want, and the card is approved in ten to fifteen minutes with a virtual card usable the next day; the physical card follows in five to seven working days. The minimum credit limit that keeps the card active is ₹5,000, which DCB spells out as a lien of ₹5,555 on the savings balance. Raise or lower the lien whenever you like — the limit re-computes to 90% of it immediately, with no documentation and no approval — and if the application fails on eligibility, the lien is released at once.
per the official DCB Bank MITC — figures marked (community) aren't in the PDF; the issuer won't say · filter the board by what you can get →
The fine print
4 of 7 MITC rows published
What the MITC actually says — the rates, fees and cutoffs the brochure skips.
THE DOCUMENTS NAME IT "DCB Niyo GLOBAL Credit Card" while the product page says "DCB Niyo Credit Card" — one product, two names; the KFS name is authoritative. DO NOT CONFUSE WITH niyo-sbm-global-cc, which is a DIFFERENT card on SBM Bank's licence, secured on a fixed deposit and earning Niyo Coins. FEE COLUMNS: three — "Joining Fee / Annual fee (from 13th month of card statement cycle) / Minimum spend for waiver of annual fee" — and the single row reads "DCB Niyo Global Credit Card (Visa Card network) Nil Nil Nil" (the MITC prints NA in the third cell). Lifetime free, and card closure is free too. COLLATERAL IS A LIEN ON A DCB SAVINGS ACCOUNT, NOT A FIXED DEPOSIT — this corrects our coverage, which recorded it as FD-backed. The money is earmarked, never debited, keeps earning savings interest, and the lien releases any time without documentation; credit limit is 90% of the lien, minimum ₹5,000 (a lien of ₹5,555) to a ₹25 lakh maximum. Approval takes 10–15 minutes, the virtual card works the next day and the physical card ships in 5–7 days. THE FOREX MARKUP IS THE PRODUCT: Nil, stated three times in three documents — this also corrects our coverage, which flagged the claim as appearing only in the page's JSON-LD. NO REWARD PROGRAMME AND NO LOUNGE: the strings "reward", "point", "coin", "cashback" and "lounge" appear nowhere in the KFS or the MITC, and nowhere in the product page's payload or its 25 FAQs — hence the absent (unpublished) earn rate. Reissue and replacement ₹250 each. Grace period 15–45 days. Everything runs through the Niyo Global app.
per the official DCB Bank MITC · reviewed 10 Jul 2026
What's changed for this card
nothing tracked yet — which is itself a fact
No tracked devaluations or changes yet — this card's history starts here.
Verified against DCB Bank's own documents on
Not published , and we will not invent it: the earn rate and the currency it earns.
Every document behind this page — 3 of them, each with the day we read it
- official Key Fact Statement — Nil joining, Nil annual, Nil forex markup on the Visa network, credit limit 90% of the savings-account lien
- official Product page — the savings-account lien model, the four-line feature list, and the fee table repeating Nil joining, Nil annual and NIL forex markup
- official Most Important Terms & Conditions, April 2026 — the governing document for the card, linked from the product page as "MITC"