{"id":85795,"date":"2026-03-20T18:31:42","date_gmt":"2026-03-20T13:01:42","guid":{"rendered":"https:\/\/piceapp.com\/blogs\/?p=85795"},"modified":"2026-03-24T14:33:29","modified_gmt":"2026-03-24T09:03:29","slug":"dcb-niyo-card","status":"publish","type":"post","link":"https:\/\/piceapp.com\/blogs\/dcb-niyo-card\/","title":{"rendered":"DCB Niyo Card: Get Credit Without Credit History"},"content":{"rendered":"\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\" id=\"key-takeaways\"><strong>Key Takeaways<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Credit limit equals 90% of the savings lien amount.<\/li>\n\n\n\n<li>Minimum credit limit starts at \u20b95,000 only.<\/li>\n\n\n\n<li>Maximum credit limit can reach \u20b925 lakh.<\/li>\n\n\n\n<li>Cash withdrawal limit equals 50% credit limit.<\/li>\n\n\n\n<li>Virtual card available within 24 hours of application.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>The DCB Niyo Card is a secured credit card that offers easy access to credit without complex checks. It links to a lien amount in your DCB savings account, which acts as security for the card.<\/p>\n\n\n\n<p>The credit limit is up to 90% of the lien amount. For example, a \u20b910,000 lien provides a \u20b99,000 limit. Your savings continue to earn interest while you use the card and build your credit score.<\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Table of Contents<\/h2><nav><ul><li><a href=\"#dcb-niyo-card-benefits\">DCB Niyo Card Benefits<\/a><\/li><li><a href=\"#dcb-niyo-card-charges\">DCB Niyo Card Charges<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"dcb-niyo-card-benefits\"><strong>DCB Niyo Card Benefits<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"682\" src=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/DCB-Niyo-Benefits-1024x682.jpg\" alt=\"DCB Niyo credit card\" class=\"wp-image-85797\" title=\"\" srcset=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/DCB-Niyo-Benefits-1024x682.jpg 1024w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/DCB-Niyo-Benefits-300x200.jpg 300w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/DCB-Niyo-Benefits-150x100.jpg 150w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/DCB-Niyo-Benefits-768x512.jpg 768w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/DCB-Niyo-Benefits.jpg 1075w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption><\/figcaption><\/figure>\n\n\n\n<p>The Niyo DCB Card privileges focus on simple access to credit with strong convenience. The card also supports secure payments and global usage without complex paperwork.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Offers wide acceptance across global merchant networks<\/li>\n\n\n\n<li>Receive a virtual card within 24 hours after application submission<\/li>\n\n\n\n<li>Start transactions instantly through the virtual credit card<\/li>\n\n\n\n<li>Zero foreign currency markup for purchases and withdrawals<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"dcb-niyo-card-charges\"><strong>DCB Niyo Card Charges<\/strong><\/h2>\n\n\n\n<p>Finance charges on merchant transactions, balance transfers or overdue payments may reach 3% per month, which equals 36% annually.<\/p>\n\n\n\n<p>Curious about the detailed Niyo DCB Credit Card charges that apply to different services? The <a href=\"https:\/\/www.dcb.bank.in\/personal\/cards\/secured-card\/dcb-niyo-credit-card#product-fees&amp;charges\" target=\"_blank\" rel=\"noopener\">schedule of charges<\/a> table below outlines the applicable fees and rates.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Parameters<\/strong><\/td><td><strong>Charges<\/strong><\/td><\/tr><tr><td>Finance Charges<\/td><td>3% monthly or 36% annually<\/td><\/tr><tr><td>ATM Cash Withdrawal Charges<\/td><td>2.5% or \u20b9250, whichever is higher<\/td><\/tr><tr><td>Reissue or Replacement Charges<\/td><td>\u20b9250<\/td><\/tr><tr><td>Statement Request Fee<\/td><td>NIL for e-statement.\u20b950 per page for a physical statement.<\/td><\/tr><tr><td>Late Payment Fees<\/td><td>NIL for balance less than or equal to \u20b9100.\u20b9100 for balance greater than \u20b9100 or less than or equal to \u20b91,000.\u20b9500 for a balance greater than \u20b91,000<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\ud83d\udca1Use your Niyo DCB Credit Card freely, but never miss a payment. Install the secure<a href=\"https:\/\/piceapp.com\/credit-card-bill-payment\/\"> Pice App<\/a> to receive due date reminders, pay credit card bills on time and track every transaction from one simple dashboard.<\/p>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\"><strong>Footnotes<\/strong><\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li>For assistance, contact DCB customer care at 022 68997777 or 040 68157777 or email <a href=\"mailto:customercare@dcbbank.com\">customercare@dcbbank.com<\/a>.&nbsp;<\/li>\n\n\n\n<li>The minimum credit limit is \u20b95,000, while the maximum credit limit available is \u20b925 lakh.<\/li>\n\n\n\n<li>DCB Niyo Card withdrawal limit is 50% of the credit limit or \u20b91,00,000, whichever is lower.<\/li>\n<\/ol>\n<\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"fa-qs\">FAQs<\/h3>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1774010879301\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>What does lien mean for the Niyo DCB Credit Card?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>A lien refers to an amount reserved in your DCB savings account as security for the card. The amount remains in your account and can be released easily when required.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1774010914984\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>Who can apply for the DCB Niyo Card?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Applicants must be between 18 and 75 years of age. They must hold an active DCB Niyo savings account with PAN details, complete KYC and updated mobile and email records.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1774011041517\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>How can users apply for the DCB Niyo Credit Card?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Open the Niyo Global app and visit the credit card section. Set the credit limit by marking a lien in your savings account. The physical card arrives within 5 to 7 working days.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1774011058627\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>Can cardholders change the lien amount later?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>The lien amount can be increased or reduced anytime after card activation. The credit limit updates to 90% of the revised lien amount without additional documentation.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1774011139451\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>Can cardholders modify credit card limits anytime?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Users can modify limits through the Niyo app. Open the card section, select \u2018Manage Credit Limit\u2019, adjust the amount and confirm the change for immediate update.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Key Takeaways The DCB Niyo Card is a secured credit card that offers easy access to credit without complex checks. It links to a lien amount in your DCB savings account, which acts as security for the card. The credit limit is up to 90% of the lien amount. For example, a \u20b910,000 lien provides [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":85796,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-85795","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-card"],"_links":{"self":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/85795","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/users\/9"}],"replies":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/comments?post=85795"}],"version-history":[{"count":2,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/85795\/revisions"}],"predecessor-version":[{"id":85822,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/85795\/revisions\/85822"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media\/85796"}],"wp:attachment":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media?parent=85795"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/categories?post=85795"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/tags?post=85795"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}