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Card ManagerCatalog reference — not in your portfolio
All fees, rewards, lounges, and milestones below are ready to be cloned into your portfolio with one click.
DCB
Platinum
•••• •••• •••• 0000
Niyo Platinum
VISADCB Bank • Visa• Platinum
Annual Fee
Free
Base Reward Rate
0.00%
Foreign Tx Fee
0%
Tier
Platinum
Joining Fee
Free
Verified
2026-05-28
Domestic & international access details and eligibility criteria
⚠️ Activation: ₹50,000 per quarter
1 international Lounge Pass per calendar quarter on ₹50,000 international spend. **SINGLE CARD RULE:** spends across multiple Niyo cards do NOT combine — must hit ₹50K on ONE card. **Eligible spends:** international POS swipes + foreign e-commerce ONLY. **International ATM withdrawals are EXCLUDED** from the milestone. **Processing:** Pass unlocks up to 7 days after qualifying spend. **Pass validity:** 30 days from generation via Niyo App QR code. **Network:** 1,300+ partner international airport lounges worldwide. **NO physical swipe at lounge counter** — must generate dynamic QR in app. **NO domestic lounge access** on this card. From Apr 2026: Niyo credit card holders can also redeem Niyo Coins for lounge access (alt path).
Estimate annual rewards based on your typical monthly spend
Annual earnings
₹0
Blended 0.00% effective return
Estimates use this card's best matching rule per category. Caps applied where known. Milestones not included.
DCB-issued, Niyo-distributed credit card. Lien-marked FD-backed (LTV 80-90%; min FD per Niyo terms). 0% forex markup. APR up to 36% on revolving credit. Cash withdrawal 2.5% or ₹250 (whichever higher) + interest from day 1. Late fee tiered ₹100-₹1,200. No joining, no annual fee. Issuance via Niyo app; credit limit = FD lien amount × LTV. **Lounge: NO domestic access. International ONLY** — 1 Pass per calendar quarter on ₹50K international spend (single-card rule, POS/ECOM only, no intl ATM). 1,300+ lounges worldwide. QR-only, 30-day pass validity, 7-day unlock window. From Apr 2026: credit card holders can alternatively redeem Niyo Coins for lounge access.