DCB Niyo Credit Card - Unlock Instant Credit, Zero Hassle

A new kind of travel companion has arrived

Picture this: You’ve landed in Paris, ready to check into a boutique hotel overlooking the Seine. The concierge smiles and asks, “Your credit card for the deposit, please.”

Or you’re in Singapore, about to rent a car for a quick coastal drive, and the agency insists on a credit card for the security hold.

That’s the moment you realise, debit cards often don’t cut it.

Now imagine having a credit card that’s not just accepted everywhere you go, but also built for travellers like you. No paperwork. No credit checks. Instant setup.

Introducing the DCB Niyo Credit Card, an industry-first, lien-backed credit card that combines the best of both worlds: your savings account and the power of credit.

It’s instant credit, without the hassle.

What is DCB Niyo Credit Card?

This isn’t your typical credit card.

It’s a savings account lien-backed card, meaning you simply set aside a portion of your savings in your DCB Niyo Account as collateral (called a lien), and instantly unlock a credit limit.

How it works

Your credit limit = 90% of your lien.

Example:
Keep aside ₹10,000 → instantly get ₹9,000 as a credit limit.

Unlike FD-backed cards, this lien can be added or removed anytime. No paperwork. No lock-ins.
Your savings continue to earn interest while powering your credit card.

It’s flexibility, security, and freedom — all rolled into one sleek metal (well, soon!) card.

Core benefits of DCB Niyo Credit Card

1. Instant credit: No paperwork, no wait

Unlock your limit in seconds. Set your lien in 2 clicks on the Niyo app and get your digital card instantly. Your credit limit grows as you add more funds and shrinks when you release it. It’s a credit that truly moves with you.

2. Zero forex markup: Spend globally, save instantly

Every time you swipe your DCB Niyo Credit Card abroad, you save up to 5% in hidden forex fees that regular banks charge. From your morning latte in London to museum tickets in Amsterdam, what you see is exactly what you pay.

3. Zero TCS on international spends

No more worrying about hitting the ₹10 lakh threshold. Credit cards don’t attract TCS on foreign transactions, so you can spend freely (on hotels, tickets, or tuition fees) without losing a rupee in tax collection.

4. Higher acceptance for hotels & car rentals

Hotels and rental agencies abroad prefer credit cards for deposits. With the DCB Niyo Credit Card, enjoy smooth check-ins, easy reservations, and zero awkward moments at counters. Your journey stays hassle-free, just as it should.

5. Fraud protection you can count on

In case of irregular activity, your savings remain untouched. It’s a financial safety net that travels with you, so you can focus on your itinerary, not your account balance.

6. Build & boost your credit score

Every spend and repayment helps you build a strong credit history. Whether you’re a student starting out or someone rebuilding credit, this card helps you grow, one swipe at a time.

7. Double your spending power abroad

Use your debit and credit cards together for added flexibility and higher spending limits. Pay deposits, dine, shop, and withdraw cash — with no need to juggle funds mid-trip.

8. Add-on or backup card for extra freedom

One KYC. Two zero-forex-markup cards. Share one with a family member or carry it as a backup on your next solo trip.

Rewards at a glance

• 0% forex markup on international transactions saves up to 5% on each spend
• 1% valueback as Niyo Coins on international online transactions
• 2% valueback as Niyo Coins on domestic online transactions
• 3% valueback as Niyo Coins on travel bookings via Niyo

How to get your DCB Niyo Credit Card

For Non-DCB users

Start by opening a DCB Niyo Savings Account to get access to the credit card.

For existing DCB users

Onboarding is a breeze — just 2 clicks, and you’re ready.

1. Set your credit limit in the Niyo app.
   • Credit limit = 90% of lien
   • Minimum credit limit to activate card: ₹5,000
2. Add money to your DCB Niyo Savings Account as per your chosen limit.

Activate and start using your physical card

1. Set your 4-digit PIN in the Niyo app.
2. Use for domestic & international ATM, online, in-store, and Tap & Pay transactions.
3. Add to cab apps, OTTs, and travel apps for seamless use.
4. Increase your credit limit anytime by adding to your lien —
   New limit = 90% of updated lien.

Who should get the DCB Niyo Credit Card?

The DCB Niyo Credit Card is perfect for:

• International travellers
• Students spending abroad
• First-time credit card users
• Users looking to build a credit score
• High spenders avoiding TCS charges
• Families seeking additional cards for convenience

With this card, you get more flexibility, more value, and more control — without locking away your savings or dealing with complicated credit checks.