Hey @JDJAIN!
It seems that the issue you’re encountering with your Niyo DCB debit card on Agoda is because Niyo DCB is a savings bank debit card, that can only be used for direct transactions and not for preauthorization, unlike Niyo SBM credit cards.
While you can use your Niyo DCB card for online and e-commerce transactions directly, it may not be compatible with certain platforms requiring reauthorization. However, you can use your Niyo DCB card on Agoda.
If you have any more questions or need further assistance, feel free to ask. 
