Dcb bank scc discussion

Help
1

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the lien to ₹5,500, which is the minimum required to keep the card active) and then add some extra funds to that withdrawn amount to pay off my credit card bill?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.

2

Hey @Azurean

Thanks for reaching out and sharing your detailed query. :blush:

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! :sparkles:

Stay tuned for updates! :blue_heart:

3

I had applied for niyo dcb credit card on 28th march and it was supposed to be delivered within 5-7 days

It been 8 days but my card isn’t dispatched yet and also AWB no. isnt generated because of the delay in dispatch of my card

Please help me to get my card as in case of more delay it will be of no use for me

4

Hi @VISHAL_DAS,

We apologize for the inconvenience caused. Please allow us some time to get this checked and assist you further.

5

Hi @VISHAL_DAS,

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.

6

I have made more than 10+ calls but I am receiving same response “ Sorry we can’t help you until AWB number is generated”

I have informed them that the card isn’t dispatched yet so in exchange I got response “Sorry we can’t help regarding this“

Please see to it as if I don’t get my card it will be of no use for me

7

Hey @VISHAL_DAS

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.

8

Now it’s very frustrating

It’s been 14 days and my card isn’t dispatched yet

Instead of applying for niyo dcb credit card I would have applied with traditional banks directly

Can’t you just imagine 14 days has been passed but card isn’t dispatched yet

9

Hi @VISHAL_DAS,

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.

10

Now its been 15+ days the card hasn’t been dispatched

Such a frustrating issue it is

Never expected this from niyo global

11

Hi @VISHAL_DAS,

We’re really sorry this is still not resolved.

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.

12

Hi Nithin,

Thank you for the update.

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.

13

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.

14

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.

15

Hi Nithin and the Niyo Team,

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.

16

Hey @VISHAL_DAS,

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.

17

I’m happy to inform you that the card has been delivered.

Thank you once again for your assistance and for ensuring it reached me on time. I truly appreciate the support throughout this process.

18

Hey @VISHAL_DAS,

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!

19

Hi Team,

I have a few important questions regarding my Niyo Credit Card and would appreciate a clear clarification.

1. Grace period for credit card bill payment

When I received the card, I was informed by the representative who provided me the Niyo cards that I would have a 45-day grace period to pay my credit card bill.

However, after my bill was generated this month, the information I received on WhatsApp states that I have only 15 days from the bill generation date to make the payment.

There is a significant difference between 45 days and 15 days. Could you please clarify:

  • What is the actual payment/grace period applicable to my Niyo Credit Card?

  • Why was I informed about a 45-day grace period by the representative?

  • If the actual period is 15 days, why was different information communicated to me at the time of issuing the card?

I would like to understand which information is officially applicable so there is no confusion regarding late payment or charges.

2. Credit card bill payment and the security deposit

I have deposited ₹61,111 as security against my Niyo Credit Card, and my credit limit is ₹55,000.

Last month, I used approximately ₹54,000, and the corresponding bill has now been generated.

I understand that I have three possible ways to repay the bill: Through the associated DCB Bank account, through UPI/another bank account and through the Niyo Credit Lien option

I specifically want clarification regarding the Credit Lien option.

If I pay my ₹54,000+ credit card bill using the available Credit lien, how exactly does that transaction work?

  • Is the bill effectively being paid using my available deposit ?

  • Will this affect my available credit limit?

  • Is there any difference between paying the bill through UPI/DCB Bank and paying it through the Credit Line? Will this affect my CIBIL score ?

  • What happens if I reduce my credit limit, when will I receive the amount to debit card ?

3. Security deposit refund when closing the card

My main concern is the ₹61,111 security deposit.

If I eventually close/cancel my Niyo Credit Card after clearing all outstanding dues, I understand that the security deposit is supposed to be refunded to the linked DCB Bank account.

However, since I may potentially use the Credit Line to pay the current bill, I want to understand this clearly before making that payment.

For example, if my security deposit is ₹61,111 and I currently have a bill of approximately ₹54,000+, what amount would actually be refunded to me when I close the card, assuming there are no other outstanding dues?

Most importantly, please clarify whether using the Credit Line to pay my current bill can in any way affect the refund of my original ₹61,111 security deposit and CIBIL score when the card is eventually closed.

I would appreciate a clear, official response to all three points, preferably with the applicable terms/rules, so that I can make the payment correctly and avoid any unexpected charges or issues later.

Thank you.

20

Hi @sharathsmohite23

Welcome to the Niyo Community!

We sincerely regret any inconvenience this may have caused. Please allow us some time to review your concern thoroughly and work towards a resolution. We truly appreciate your patience and will get back to you with an update at the earliest.

Just a quick note to let you know that the Niyo community is more than a place to get help with your queries. You can stay up-to-date with all the latest announcements from Niyo, and chat about anything Niyo or travel-related—whether it’s your Niyo card, Niyo services, or any other travel topics.

Plus, it’s the perfect spot to connect with fellow travelers! You can ask for advice on travel itineraries, visa info, tips and tricks, flight bookings, and so much more.

And don’t forget to explore the Travel with Niyo category for even more travel content!

We’re always here if you need anything