{
  "id": "novio-dcb-rupay",
  "locale": "en",
  "name": "DCB novio Credit Card",
  "bank": "DCB Bank",
  "cardType": "cashback",
  "cardTier": "entry",
  "annualFee": "₹0 (Lifetime Free)",
  "loungeAccess": "No lounge access",
  "rewardsRate": "10% novio Coins on UPI & Online Spends · Up to 8.00% p.a. Fixed Deposit Interest · ₹11,000+ Instant Brand Discounts",
  "bestFor": "Credit builders, bad CIBIL score repair, college students, freelancers without income proof, and RuPay UPI shoppers",
  "officialLink": "https://www.novio.in/fixed-deposit-credit-card/dcb-rupay",
  "aiVerdict": {
    "score": 8,
    "summary": "Its strong reward rate and lifetime-free pricing offset the lack of lounge access.",
    "tradeOffs": [
      "No extracted lounge benefit"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 10,
  "affiliateId": "novio-dcb-rupay",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "LIVE_VERIFIED",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "DCB Bank & novio — DCB novio RuPay Credit Card official schedule of charges and MITC",
    "novio Rewards Program — 10% novio coins, instant merchant discounts & FD interest rates"
  ],
  "feeWaiver": "100% Lifetime Free against fixed deposit with zero annual maintenance charges",
  "networks": [
    "RuPay"
  ],
  "quickFacts": [
    {
      "key": "Annual Fee",
      "value": "₹0 (100% Lifetime Free)"
    },
    {
      "key": "Minimum FD Required",
      "value": "₹5,000 (100% Credit Limit of FD value)"
    },
    {
      "key": "FD Interest Rate",
      "value": "Up to 8.00% p.a. on DCB Bank Fixed Deposit"
    },
    {
      "key": "UPI Payments",
      "value": "Link to Google Pay, PhonePe, Paytm, BHIM"
    },
    {
      "key": "Coin Rewards",
      "value": "10% novio Coins on UPI and online transactions"
    },
    {
      "key": "Credit Building",
      "value": "Reports monthly to CIBIL, Experian, CRIF, Equifax"
    }
  ],
  "earnRates": [
    {
      "category": "UPI & Online Merchant Spends (10%)",
      "rate": "10% novio Coins (1.0% value)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "10,000 novio Coins (~₹1,000 value)"
    },
    {
      "category": "Offline Retail Swipes",
      "rate": "5% novio Coins (0.50% value)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "5,000 novio Coins (~₹500 value)"
    },
    {
      "category": "Fuel Purchases",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 Points"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "UPI Merchant QR Spends",
      "multiplier": "2×",
      "rate": "10% novio Coins",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "10% coins on all RuPay UPI QR merchant scan transactions."
    },
    {
      "channel": "Partner Brand Offers",
      "multiplier": "1×",
      "rate": "Instant 5% to 20% Off",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "Instant discounts on Zomato, Swiggy, BookMyShow, Myntra, and MakeMyTrip."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Brand Shopping Vouchers",
      "value": "10 Coins = ₹1.00 Value",
      "minPoints": "500 Coins",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Bill Payment Offsets",
      "value": "10 Coins = ₹1.00 Credit",
      "minPoints": "500 Coins",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    }
  ],
  "exclusions": [
    "P2P UPI funds transfers.",
    "ATM cash withdrawals."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹0 (100% Lifetime Free)",
      "warn": false
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹0 (Lifetime Free)",
      "warn": false
    },
    {
      "item": "Minimum FD Amount",
      "value": "₹5,000 (Earns up to 8.00% p.a. interest)",
      "warn": false
    },
    {
      "item": "Finance Charges (Interest Rate)",
      "value": "2.49% per month (29.88% per annum - Lower FD rate)",
      "warn": false
    },
    {
      "item": "Foreign Currency Markup",
      "value": "3.50% + GST",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age Requirement",
      "requirement": "18 to 75 years"
    },
    {
      "criteria": "Income Proof",
      "requirement": "None (Zero income documentation needed)"
    },
    {
      "criteria": "Credit Score",
      "requirement": "None (No minimum CIBIL score required; 100% guaranteed approval)"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}