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DCB Novio vs IDFC FIRST Quantum Plus Credit Card Compared

Which credit card suits you? Side by side on the numbers that decide it. A blank means the provider has not published that figure, not that it is zero.

DCB Novio Credit Card versus IDFC FIRST Quantum Plus Credit Card compared
FeatureDCB Novio Credit CardDCB Novio Credit CardDCB Bank
IDFC FIRST Quantum Plus Credit CardIDFC FIRST Quantum Plus Credit CardIDFC First Bank
Rewards by spend
RewardsRewards not published1% on most spends
UPI payments (scan and pay)Not stated1%
Online shoppingNot stated1%
Dining and food deliveryNot stated1%
GroceriesNot stated1%
Travel: flights, hotels, trainsNot stated1%
FuelsameNot statedNot stated
Bills and rechargessameNot statedNot stated
RentsameNot statedNot stated
Insurance premiumssameNot statedNot stated
School and college feessameNot statedNot stated
Wallet top-upssameNot statedNot stated
Taxes and government paymentssameNot statedNot stated
Spend abroad or in a foreign currencyNot stated1%
Everything elseNot stated1%
Card identity
Card typeSecured-
NetworksameRuPayRuPay
Fees
Joining feesameFreeFree
Annual feesameFreeFree
Lifetime freesameYesYes
Eligibility
Min agesame18 years18 years
Rewards
Reward typesameCashbackCashback
Forex and international
Forex markup2.5%3.5%
ApplyApply NowApply Now

Best For

DCB Novio Credit Card
  • People with no credit history
  • Students and first jobbers
  • Anyone rebuilding a credit score
  • Heavy UPI users
IDFC FIRST Quantum Plus Credit Card
  • First-time card users building a credit score
  • People without income proof
  • Everyday spenders who want cashback with no fee

Watch-Outs

DCB Novio Credit Card
  • Limit is tied to 90% of your deposit
  • 10% is the maximum coin reward, not the usual rate
  • Free visits need an FD of Rs 25,000 or more
IDFC FIRST Quantum Plus Credit Card
  • The limit is tied to the fixed deposit
  • 3.5% markup on foreign spends
  • Only 0.5% on bills, rent and insurance

Questions People Ask

Which has the lower annual fee, DCB Novio Credit Card or IDFC FIRST Quantum Plus Credit Card?

They charge the same annual fee. DCB Novio Credit Card: no annual fee; IDFC FIRST Quantum Plus Credit Card: no annual fee.

Which is better for spending abroad?

DCB Novio Credit Card has the lowest forex markup. DCB Novio Credit Card: 2.5%; IDFC FIRST Quantum Plus Credit Card: 3.5%. The markup is charged on every foreign-currency transaction, before GST.

Can I hold more than one of these cards?

Usually yes, if each bank approves you. Many people keep one card for everyday spending and another for a specific use such as travel. Each application is a separate credit check.

Work Out the Numbers

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