Hello Niyo Community! Get ready for the next level of zero-forex power!
We are absolutely thrilled to announce the imminent launch of the all-new DCB Secured Credit Card (SCC)! The world’s first lien-backed credit card of its kind. This product is engineered to give our community the ultimate global spending advantage, and we need you to be the first to test it in this early access phase!
The Product Magic: Your Card-Your Limit Credit Line
The DCB Secured Credit Card introduces a unique mechanism: it’s a Savings Account Lien-Backed Credit Card. This is simpler and more flexible than traditional options:
The Collateral: Instead of locking your funds in a fixed deposit (FD), a Lien (a temporary freeze) is placed on a portion of your existing Savings Account balance.
The Limit: You instantly get a Credit Limit that is 90% of the Lien amount (e.g., Freeze â‚ą10,000 to get a â‚ą9,000 Credit Limit).
The Advantage: This is the ultimate TWO-WAY DOOR! Unlike an FD, placing or releasing this lien is quick and seamless, giving you easy In and Out accessibility to your savings funds while you enjoy the credit line!
Core Benefits: Beyond Zero Markup & 3X Rewards!
The DCB SCC is the ultimate global companion with Zero Markup on international spends, plus 3X Rewards! Here’s why every serious traveler needs this card:
The application process is live right now in the app! (video attached)
Go to the HUB section in your Niyo Global application.
Look for the new “Backup DCB Card” option.
Follow the simple steps to get started!
Who to Get It:
Existing DCB Niyo Holders: Your journey is incredibly easy! You are through in just 2 clicks inside the Niyo App.
Non-DCB Users: You will first need to complete the simple DCB Bank onboarding process to unlock access to the Secured Credit Card.
(I’m attaching a Handbook (PDF) to guide you through the process!)
A Quick Note: This is an Early Access Beta
This is the first look at the DCB SCC, and we’re launching it as a Beta version. This means we are relying on you, our community, to help us perfect it!
If you encounter any glitches, bugs, or have suggestions on the user flow, please don’t hesitate to share your insights with us right here in this thread. We are more than happy to improve and want your early feedback to make the full launch flawless.
Ready to try the next level of Zero Forex travel? Go check it out, and let us know what you think! Happy spending!
Congrats on getting your Niyo Credit Card! Kindly allow us Welcome aboard and an oppurtunity to have this checked and get back to you with an update shortly.
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 glad to inform you that your Niyo Premium membership has been activated as part of the launch offer. Kindly check the app once and confirm if you’re able to view the benefits.
If you need any help or notice anything missing, feel free to message us — we’re here to assist!
Hi @Vishal_Sinha1, happy to hear that everything is reflecting correctly now! If anything else comes up or you need further assistance, we’re here to help.
@Vishal_Sinha1 when did you applied the card? I also applied it and the banner offer also displayed saying you will get free Niyo Premium Membership (1year) but now the customer care is saying that it’s only for who applied before November 1
Thank you for reaching out to us. We would like to inform you that the “DCB Credit Card - Premium Offer” is exclusively available to waitlisted users who signed up through the campaigns we ran from September 10th to the first week of October. If you have applied for the DCB credit card after the mentioned time period, we will not be able to provide you with the Premium offer.
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!
I just applied for Niyo DCB Credit card. After applying the lieu amount is effectively blocked from my Niyo Savings account. What is the purpose of a credit card if it blocks my savings account withdrawal limits?
We understand your concern and would like to clarify how the DCB Niyo Credit Card works. With your DCB Savings Account, you can instantly unlock a credit line , enjoy higher acceptance rates, skip TCS on international transactions , and build your credit score —all while keeping your money safe, accessible, and earning interest.
The amount you’re referring to is a lien, which simply means a portion of your savings is set aside as collateral for your credit card. This amount is not debited or invested—it’s just kept on hold.
Unlike FD-backed cards, the lien/unlien process is quick, seamless, and fully reversible anytime . There’s no long-term lock-in—think of it as temporarily keeping money aside rather than blocking your savings.
This flexibility makes the DCB Niyo Secured Credit Card easy to opt in and out of, while your savings continue to earn interest and support your credit card usage . Should you need any further help, please feel free to write back. We’re always here for you!
Appreciate your timely response. I understand the flexibility the card provides. However, technically if i use the credit card, the system forces me to keep lieu amount blocked which i cannot withdraw. The credit card is not “credit” card in that sense. It just allows me to defer my bill payment by few weeks. I’m assuming even if i want to pay the bill from DCG savings account, i have to lower my lieu amount and use it to pay the bill. If my understanding is incorrect please have someone call me back. I’m planning to cancel the credit card as it doesn’t serve my purpose. Scapia is bettee in that sense.
Thank you for sharing your perspective—we understand where you’re coming from and appreciate you explaining your concern in detail.
To clarify, the Niyo DCB Credit Card is a lien-backed credit card, designed for users who may not have a traditional unsecured credit line. The lien amount acts purely as security, not as the source of bill payments. Even when you use the credit card, you’re not required to break or reduce the lien to pay your dues. Your monthly credit card bill can be paid like any regular credit card—via your savings account balance or any external bank account.
The lien remains in place only as collateral to support your credit limit. It does not automatically get used for repayments, nor does it get consumed as you spend. This is what enables benefits like high acceptance, zero forex markup, and credit score building without exposing the bank to unsecured risk.
Hope we were able to address your doubts. Should you need any further help, please feel free to write back. We’re always here for you!
I understand the feature of the card better now. However i dont see any value add compared to the niyo debit card apart from deferred payments which is again backed by lieu amount from my savings account. Hence planning to cancel the credit card request. Thank you for your assistance on this topic.
We appreciate you taking the time to share your perspective and understand the features in detail. We respect your decision and value the opportunity you gave us to explain things. Please feel free to reach out anytime if you need assistance in the future—we’re always here to help.
The Product Magic: Your Card-Your Limit Credit Line
Core Benefits: Beyond Zero Markup & 3X Rewards!
Get Access Instantly! Your Next Steps:
A Quick Note: This is an Early Access Beta
DCB SCC Beta Feedback Form
, enjoy higher acceptance rates, skip TCS on international transactions 
, and build your credit score 
—all while keeping your money safe, accessible, and earning interest.
for your credit card. This amount is not debited or invested—it’s just kept on hold.
. There’s no long-term lock-in—think of it as temporarily keeping money aside rather than blocking your savings.
