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IOB ZET vs DCB Novio 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.

IOB ZET Credit Card versus DCB Novio Credit Card compared
FeatureIOB ZET Credit CardIOB ZET Credit CardIndian Overseas Bank
DCB Novio Credit CardDCB Novio Credit CardDCB Bank
Rewards by spend
RewardssameRewards not publishedRewards not published
UPI payments (scan and pay)Earns nothingNot stated
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
Network-RuPay
Fees
Joining feesameFreeFree
Annual feesameFreeFree
Lifetime freesameYesYes
Eligibility
Min age-18 years
Rewards
Reward type-Cashback
Forex and international
Forex markup2.49%2.5%
ApplyApply NowApply Now

Best For

IOB ZET Credit Card
  • First-time credit users
  • Students and new earners
  • People rebuilding a credit score
  • UPI users
DCB Novio Credit Card
  • People with no credit history
  • Students and first jobbers
  • Anyone rebuilding a credit score
  • Heavy UPI users

Watch-Outs

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
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

Questions People Ask

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

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