Hey @Rajesh_Udupi
Welcome to the Niyo Community! 
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!
