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DCB Novio vs IOB ZET 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 IOB ZET Credit Card compared
FeatureDCB Novio Credit CardDCB Novio Credit CardDCB Bank
IOB ZET Credit CardIOB ZET Credit CardIndian Overseas Bank
Rewards by spend
RewardssameRewards not publishedRewards not published
UPI payments (scan and pay)Not statedEarns nothing
Online shoppingsameNot statedNot stated
Dining and food deliverysameNot statedNot stated
GroceriessameNot statedNot stated
Travel: flights, hotels, trainssameNot statedNot stated
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 currencysameNot statedNot stated
Everything elsesameNot statedNot stated
Card identity
Card typesameSecuredSecured
NetworkRuPay-
Fees
Joining feesameFreeFree
Annual feesameFreeFree
Lifetime freesameYesYes
Eligibility
Min age18 years-
Rewards
Reward typeCashback-
Forex and international
Forex markup2.5%2.49%
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
IOB ZET Credit Card
  • First-time credit users
  • Students and new earners
  • People rebuilding a credit score
  • UPI users

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
IOB ZET Credit Card
  • Credit limit is capped at 90% of your deposit
  • Cashback applies only to UPI payments made through ZET
  • Discount offers vary by brand and change over time

Questions People Ask

Which has the lower annual fee, DCB Novio Credit Card or IOB ZET Credit Card?

They charge the same annual fee. DCB Novio Credit Card: no annual fee; IOB ZET Credit Card: no annual fee.

Which is better for spending abroad?

IOB ZET Credit Card has the lowest forex markup. IOB ZET Credit Card: 2.49%; DCB Novio Credit Card: 2.5%. 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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