I recently got a DCB credit card where, to get a limit of ₹5,000, I need to keep a lien of ₹5,500 — meaning 90% of the lien amount becomes my card limit.
Now, suppose I have to make payments totaling ₹25,000. That would require me to keep a lien amount of roughly ₹27,800 to get that limit.
My question is:
After completing those payments, can I withdraw around ₹22,300 (reducing the lien to ₹5,500, which is the minimum required to keep the card active) and then add some extra funds to that withdrawn amount to pay off my credit card bill?
Or does the bank not allow reducing the lien until the outstanding credit card bill is fully paid?
Would really appreciate it if anyone familiar with the DCB secured credit card could clarify how this works in practice.
Thanks for reaching out and sharing your detailed query.
As of now, the bank doesn’t allow reducing the lien amount until the outstanding credit card bill is fully paid. This ensures smooth repayment and account security. However, we’re happy to share that this feature is expected to be rolled out soon — along with several other exciting enhancements to make your experience even better!
Please note that we have escalated this to the DCB bank team to get it checked. We will keep you posted with the updates at the earliest. Appreciate your patience and understanding on this.
We sincerely apologize for the experience and understand your concern—this is not the experience we aim to deliver.
We understand that not having the AWB generated yet is causing a delay in getting clear updates on your card dispatch. Please be assured that your concern has now been escalated to the concerned team for further review. We’re actively following up to have this checked and will keep you informed as soon as we receive an update. We request your patience and understanding till then.
We completely understand your concern, and we’re really sorry this has taken much longer than expected. This is certainly not the experience we want you to have, especially when this is time-sensitive for you.
Please rest assured that we are actively following up with the DCB Bank team to get this prioritized and have your card dispatched and delivered at the earliest.
Card deliveries usually don’t take this long, but in your case, the dispatch has encountered an unforeseen processing exception at the bank’s end, which is causing this delay.
Please be assured that we are not just waiting for an update—we are actively pushing this on priority with the DCB Bank team to bypass this hurdle. We will share a clear update with you here the moment we have one. Thank you for your continued patience.
I must emphasize that if I do not receive my card by April 18th, it will be of no use to me. Given that it has already been over 15 days since I requested it, please ensure this is resolved immediately so the card reaches me before that date.
I look forward to receiving a confirmation of dispatch.
Hey @VISHAL_DAS, We would like to inform you that we have escalated the issue to the concerned team on priority to address the processing exception. Please be assured we are doing our absolute best to ensure your card is delivered by April 18th. We will make sure to keep you informed of further updates. We appreciate your kind understanding.
Thank you for your time over the call, Vishal. As discussed, please note that we have received an update that the card has been dispatched. We are trying our best to get it delivered before your travel. We will keep you posted as soon as we receive any further updates.
Appreciate your patience and understanding on this.
Thank you so much for the update. I truly appreciate your support and the fact that you were continuously monitoring my issue and doing your best to resolve it as soon as possible.
I am glad to hear that the card has finally been dispatched. Thank you again to the Niyo team for your kind support.
You’re welcome! Since the card has been dispatched, we’ll continue to keep a close eye on the logistics. The AWB number will be shared with you shortly in the app so you can monitor the final leg of the delivery yourself. We appreciate your kind understanding throughout the process.
Thank you for the confirmation that you received your card. We are glad that we were able to assist you with your issue. If you need any further assistance, feel free to write back to us, or you can also reach out via our 24/7 live in-app chat support or email us at “global@goniyo.com”. We are always here to help!
